NAVIENT CORPNAVIEarnings & Financial Report
Navient Corporation is an American financial services company and former student loan servicer based in Wilmington, Delaware. The company was formed in 2014 by the split of Sallie Mae into two distinct entities: Sallie Mae Bank and Navient. The company employs 4,500 people at offices across the US. In 2018, Navient serviced a quarter of all student loans in the United States. In 2024, the company was barred from servicing federal student loans.
NAVI Q4 FY2025 Key Financial Metrics
Revenue
$137.0M
Gross Profit
N/A
Operating Profit
$-7.0M
Net Profit
$-6.0M
Gross Margin
N/A
Operating Margin
-5.9%
Net Margin
-5.0%
YoY Growth
-38.3%
EPS
$-0.05
NAVIENT CORP Q4 FY2025 Financial Summary
NAVIENT CORP reported revenue of $137.0M (down 38.3% YoY) for Q4 FY2025, with a net profit of $-6.0M (down 125.0% YoY) (-5.0% margin).
Key Financial Metrics
| Total Revenue | $137.0M |
|---|---|
| Net Profit | $-6.0M |
| Gross Margin | N/A |
| Operating Margin | -5.9% |
| Report Period | Q4 FY2025 |
NAVIENT CORP Annual Revenue by Year
NAVIENT CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $610.0M).
NAVIENT CORP Quarterly Revenue & Net Profit History
NAVIENT CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $137.0M | -38.3% | $-6.0M | -5.0% |
| Q3 FY2025 | $161.0M | -59.3% | $-86.0M | -53.4% |
| Q2 FY2025 | $156.0M | -36.8% | $14.0M | 9.0% |
| Q1 FY2025 | $156.0M | -45.6% | $-2.0M | -1.3% |
| Q4 FY2024 | $222.0M | +0.9% | $24.0M | 10.8% |
| Q3 FY2024 | $396.0M | -6.2% | $-2.0M | -0.5% |
| Q2 FY2024 | $247.0M | -19.5% | $36.0M | 14.6% |
| Q1 FY2024 | $287.0M | -10.9% | $73.0M | 25.4% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $287.0M | $247.0M | $396.0M | $222.0M | $156.0M | $156.0M | $161.0M | $137.0M |
| YoY Growth | -10.9% | -19.5% | -6.2% | 0.9% | -45.6% | -36.8% | -59.3% | -38.3% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $59.03B | $56.62B | $53.44B | $51.79B | $50.95B | $50.22B | $49.31B | $48.68B |
| Liabilities | $56.26B | $53.87B | $50.75B | $49.15B | $48.36B | $47.66B | $46.87B | $46.28B |
| Equity | $2.77B | $2.75B | $2.69B | $2.64B | $2.59B | $2.56B | $2.44B | $2.40B |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $182.0M | $279.0M | $-10.0M | $459.0M | $71.0M | $126.0M | $70.0M | $441.0M |