Navient Corp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $720M-25.0% YoYTTM through 30 Jun 2026
Net Income -$49M-137.4% YoYTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | -7.2% |
| Net Margin | -11.1% |
Returns
-3.3%ROE
-0.2%ROA
Balance Sheet Health
Debt / Equity19.05x
Net Debt$45.1B
Cash & Equivalents$770M
Quality Metrics
Piotroski F-Score3 / 9
Earnings-Beat Rate25.0%
Multi-Year Trend
RevenueFY2024: $271M
Diluted EPS-$0.48TTMFY2025: $-0.81
Dividend
$0.32Per share, FY20263.38%Yield-12.9%5-yr growth
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Federal Education Loans | View detailsThe portfolio is expected to have an amortization period in excess of 15 years, with an 8-year remaining weighted average life. | ||
| Consumer Lending | View detailsFocusing on high-quality originations through the Earnest brand to generate targeted returns. | ||
| Business Processing | View detailsFully divested as part of the company's strategic simplification plan. |
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