Navient Corporation logo NAVI - Navient Corporation

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY 0
BUY 5
HOLD 15
SELL 4
STRONG
SELL 0
| PRICE TARGET: $8.67 DETAILS
HIGH: $9.00
LOW: $8.00
MEDIAN: $9.00
CONSENSUS: $8.67
UPSIDE: 5.22%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Revenue
Revenue 3,229 4,234 4,836 3,839 3,527 3,734 5,484 5,591 5,182 4,964 5,176 5,637 6,221 5,868
Cost of Revenue 421 3,386 3,680 2,181 1,255 2,201 3,746 4,038 3,397 2,870 2,655 2,710 3,049 3,641
Gross Profit 2,808 848 1,156 1,658 2,272 1,533 1,738 1,553 1,785 2,094 2,521 2,927 3,172 2,227
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 0 316 401 444 569 497 488 507 519 500 467 479 504 457
Other Expenses 317 358 442 387 767 504 487 518 502 486 474 630 581 333
Operating Expenses 317 674 843 831 1,336 1,001 975 1,025 1,021 986 941 1,109 1,085 790
Operating Income
Operating Income 2,491 174 313 827 936 532 763 528 764 1,108 1,580 1,818 2,087 1,437
Interest Expense 2,582 3,273 3,557 2,102 1,316 2,046 3,488 3,668 2,971 2,441 2,074 2,063 2,210 2,561
Interest Income 3,108 3,809 4,419 3,223 2,648 3,298 4,673 4,908 4,383 4,146 4,295 4,730 5,377 5,769
Profitability
EBITDA 2,474 174 313 827 936 553 788 559 787 1,137 1,592 1,827 2,100 1,437
EBIT 2,471 174 313 827 936 532 763 528 764 1,108 1,580 1,818 2,087 1,437
Income Before Tax (111) 174 313 827 936 532 763 528 764 1,108 1,580 1,818 2,087 1,437
Income Tax Expense (31) 43 85 182 219 120 166 133 472 427 597 681 776 498
Net Income (80) 131 228 645 717 412 597 395 292 681 984 1,137 1,418 939
Per Share Data
EPS (Basic) -0.81 1.20 1.87 4.54 4.22 2.13 2.60 1.52 1.06 2.15 2.66 2.74 3.18 1.93
EPS (Diluted) -0.81 1.18 1.85 4.48 4.17 2.11 2.56 1.50 1.04 2.12 2.61 2.69 3.12 1.90
Shares Outstanding 99 109 122 142.1 170 193 230 259.9 275.5 316.7 374.8 417.2 440 476
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Current Assets
Cash & Cash Equivalents 2,104 722 839 1,535 905 1,183 1,233 1,286 1,518 1,253 1,594 1,443 5,190 8,911
Short-Term Investments 0 0 0 0 0 0 0 0 2 3 5 6 109 0
Net Receivables 1,670 1,902 2,304 2,246 2,409 2,505 2,329 2,365 2,453 2,483 2,911 3,768 4,341 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 (8,911)
Total Current Assets 3,774 2,624 3,143 3,781 3,314 3,688 3,562 3,651 3,973 3,739 4,510 5,217 9,640 8,911
Non-Current Assets
Property, Plant & Equipment 23 52 62 74 95 116 135 136 156 160 162 152 237 0
Goodwill 428 428 670 670 671 665 665 665 701 545 551 353 394 0
Intangible Assets 6 9 25 35 54 70 92 121 109 125 154 16 30 448
Long-Term Investments 44,258 46,736 55,028 62,473 73,297 79,955 87,243 94,881 106,005 112,099 124,040 135,808 1,369 163,628
Other Non-Current Assets 42 1,940 2,447 3,762 3,174 2,918 3,206 4,722 4,047 4,468 4,629 4,806 (2,030) 8,273
Total Non-Current Assets 44,907 49,165 58,232 67,014 77,291 83,724 91,341 100,525 111,018 117,397 129,536 141,135 2,030 172,349
Total Assets 48,681 51,789 61,375 70,795 80,605 87,412 94,903 104,176 114,991 121,136 134,046 146,352 159,543 181,260
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 5,073 4,747 4,761 4,965 3,792 6,411 9,557 8,499 11,984 14,061 17,746 16,948 17,693 19,856
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 (17,693) 0
Total Current Liabilities 5,073 4,747 4,761 4,965 3,792 6,411 9,557 8,499 11,984 14,061 17,746 16,948 19,906 19,856
Non-Current Liabilities
Long-Term Debt 40,633 43,918 53,154 62,431 72,929 76,979 80,678 90,794 97,784 101,393 109,760 121,615 130,667 152,401
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 576 483 700 422 1,276 1,575 1,319 1,336 1,738 1,959 2,607 3,591 (130,667) 3,937
Total Non-Current Liabilities 41,209 44,401 53,854 62,853 74,205 78,554 81,997 92,130 99,522 103,352 112,367 125,206 128,454 156,338
Total Liabilities 46,282 49,148 58,615 67,818 77,997 84,965 91,554 100,629 111,506 117,413 130,113 142,154 153,901 176,194
Stockholders' Equity
Common Stock 4 4 4 4 4 4 4 4 4 4 4 4 109 107
Retained Earnings 4,552 4,697 4,638 4,490 3,939 3,331 3,664 3,218 3,004 2,890 2,414 1,724 2,584 1,451
Accumulated Other Comprehensive Income 2 3 19 87 (133) (274) (91) 113 61 6 (51) 9 13 (6)
Total Stockholders' Equity 2,399 2,641 2,760 2,977 2,597 2,433 3,336 3,519 3,454 3,699 3,909 4,198 5,637 5,060
Total Liabilities & Equity 48,681 51,789 61,375 70,795 80,605 87,412 94,903 104,176 114,991 121,136 134,046 146,352 159,543 181,260
Debt Metrics
Total Debt 45,706 48,665 57,915 67,396 76,721 83,390 90,235 99,293 109,768 115,454 127,506 138,563 148,360 172,257
Net Debt 43,602 47,943 57,076 65,861 75,816 82,207 89,002 98,007 108,250 114,201 125,912 137,120 143,170 163,346
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Operating Activities
Net Income (80) 131 228 645 717 412 597 395 292 681 996 1,149 1,311 939
Depreciation & Amortization 3 0 0 0 0 0 30 47 23 36 12 9 0 0
Stock-Based Compensation 21 23 24 19 22 18 25 25 35 26 29 39 47 47
Change in Working Capital 93 212 136 133 432 34 40 285 461 514 1,105 636 436 805
Other Non-Cash Items 404 93 288 (492) (469) 523 357 435 369 136 (220) (160) 206 845
Operating Cash Flow 441 459 676 305 702 987 1,019 1,140 1,157 1,357 1,910 1,664 2,000 2,636
Investing Activities
Capital Expenditure 0 0 0 0 0 0 0 0 7,282 0 10,766 0 0 0
Acquisitions 0 0 0 0 (16) 0 0 0 (216) 0 (342) 0 0 0
Purchases of Investments 0 0 0 0 0 0 0 0 (1) (44) (187) (813) (448) (308)
Sales/Maturities of Investments 0 0 0 0 0 0 7 115 23 51 98 804 419 277
Other Investing Activities 2,712 8,466 7,357 10,585 6,689 6,448 7,478 10,245 408 11,404 351 (1,644) 9,239 11,876
Investing Cash Flow 2,712 8,466 7,357 10,585 6,673 6,448 7,485 10,360 7,496 11,411 10,686 (1,653) 9,210 11,845
Financing Activities
Net Debt Issuance (3,242) (9,287) (9,558) (10,353) (4,655) (5,049) (9,209) (10,336) (7,693) (11,909) (11,015) (1,663) 261 (1,427)
Stock Repurchased (111) (179) (310) (400) (600) (400) (440) (220) (440) (755) (945) (600) (600) (900)
Dividends Paid (63) (70) (78) (91) (107) (123) (147) (166) (176) (201) (240) (255) (284) (257)
Other Financing Activities 264 (79) (101) 1,183 (1,972) (2,107) (189) (162) (79) (244) (245) (1,240) (9,297) (10,791)
Financing Cash Flow (3,152) (9,615) (10,047) (9,661) (7,334) (7,679) (9,985) (10,884) (8,388) (13,109) (12,445) (3,758) (9,920) (13,375)
Cash Position
Net Change in Cash 1 (690) (2,014) 1,229 41 (244) (1,481) 616 265 (341) 151 (3,747) 1,290 1,106
Cash at Beginning 2,103 2,793 4,807 3,578 3,537 3,781 5,262 4,646 1,253 1,594 1,443 5,190 3,900 2,794
Cash at End 2,104 2,103 2,793 4,807 3,578 3,537 3,781 5,262 1,518 1,253 1,594 1,443 5,190 3,900
Free Cash Flow 441 459 676 305 702 987 1,019 1,140 8,439 1,357 12,676 1,664 2,000 2,636
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Income Statement
Revenue 3,229 4,234 4,836 3,839 3,527 3,734 5,484 5,591 5,182 4,964 5,176 5,637 6,221 5,868
Gross Profit 2,808 848 1,156 1,658 2,272 1,533 1,738 1,553 1,785 2,094 2,521 2,927 3,172 2,227
Operating Income 2,491 174 313 827 936 532 763 528 764 1,108 1,580 1,818 2,087 1,437
Net Income (80) 131 228 645 717 412 597 395 292 681 984 1,137 1,418 939
EPS (Diluted) -0.81 1.18 1.85 4.48 4.17 2.11 2.56 1.50 1.04 2.12 2.61 2.69 3.12 1.90
Balance Sheet
Cash & Equivalents 2,104 722 839 1,535 905 1,183 1,233 1,286 1,518 1,253 1,594 1,443 5,190 8,911
Total Assets 48,681 51,789 61,375 70,795 80,605 87,412 94,903 104,176 114,991 121,136 134,046 146,352 159,543 181,260
Total Debt 45,706 48,665 57,915 67,396 76,721 83,390 90,235 99,293 109,768 115,454 127,506 138,563 148,360 172,257
Stockholders' Equity 2,399 2,641 2,760 2,977 2,597 2,433 3,336 3,519 3,454 3,699 3,909 4,198 5,637 5,060
Cash Flow
Operating Cash Flow 441 459 676 305 702 987 1,019 1,140 1,157 1,357 1,910 1,664 2,000 2,636
Capital Expenditure 0 0 0 0 0 0 0 0 7,282 0 10,766 0 0 0
Free Cash Flow 441 459 676 305 702 987 1,019 1,140 8,439 1,357 12,676 1,664 2,000 2,636