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NAVIENT CORP

JSM Clue Score34
United States Fiscal year ends December CIK 0001593538
$16.77 +0.63% Close, 9 Oct 2026
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Price $16.77 −32.57% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income0.68EPS, diluted2.12Fiscal year 2017Net income0.29 −57.1%EPS, diluted1.04 −50.9%Fiscal year 2018Revenue0.36Net income0.40 +35.3%EPS, diluted1.49 +43.3%Fiscal year 2019Revenue0.39 +8.9%Net income0.60 +51.1%EPS, diluted2.56 +71.8%Fiscal year 2020Revenue0.39 −0.8%Net income0.41 −31.0%EPS, diluted2.12 −17.2%Fiscal year 2021Revenue0.51 +30.7%Net income0.72 +74.0%EPS, diluted4.18 +97.2%Fiscal year 2022Revenue0.33 −34.5%Net income0.65 −10.0%EPS, diluted4.49 +7.4%Fiscal year 2023Revenue0.32 −3.3%Net income0.23 −64.7%EPS, diluted1.85 −58.8%Fiscal year 2024Revenue0.27 −15.6%Net income0.13 −42.5%EPS, diluted1.18 −36.2%Fiscal year 2025Net income−0.08 −161.1%EPS, diluted−0.81 −168.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 0.36 0.39 0.39 0.51 0.33 0.32 0.27 n/a
Growth +8.9% −0.8% +30.7% −34.5% −3.3% −15.6%
Net income 0.68 0.29 0.40 0.60 0.41 0.72 0.65 0.23 0.13 −0.08
Growth −57.1% +35.3% +51.1% −31.0% +74.0% −10.0% −64.7% −42.5% −161.1%
EPS, diluted 2.12 1.04 1.49 2.56 2.12 4.18 4.49 1.85 1.18 −0.81
Growth −50.9% +43.3% +71.8% −17.2% +97.2% +7.4% −58.8% −36.2% −168.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin110.0%Fiscal year 2019Net margin152.7%Fiscal year 2020Net margin106.2%Fiscal year 2021Net margin141.4%Fiscal year 2022Net margin194.3%Fiscal year 2023Net margin71.0%Fiscal year 2024Net margin48.3%Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 110.0% 152.7% 106.2% 141.4% 194.3% 71.0% 48.3% n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow1.35Buybacks−0.76Dividends paid−0.20Fiscal year 2017Operating cash flow1.16Buybacks−0.44Dividends paid−0.18Fiscal year 2018Operating cash flow1.14Buybacks−0.22Dividends paid−0.17Fiscal year 2019Operating cash flow1.02Buybacks−0.44Dividends paid−0.15Fiscal year 2020Operating cash flow0.99Buybacks−0.40Dividends paid−0.12Fiscal year 2021Operating cash flow0.70Buybacks−0.60Dividends paid−0.11Fiscal year 2022Operating cash flow0.31Buybacks−0.40Dividends paid−0.09Fiscal year 2023Operating cash flow0.68Buybacks−0.31Dividends paid−0.08Fiscal year 2024Operating cash flow0.46Buybacks−0.18Dividends paid−0.07Fiscal year 2025Operating cash flow0.44Buybacks−0.11Dividends paid−0.06
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 1.35 1.16 1.14 1.02 0.99 0.70 0.31 0.68 0.46 0.44
Buybacks −0.76 −0.44 −0.22 −0.44 −0.40 −0.60 −0.40 −0.31 −0.18 −0.11
Dividends paid −0.20 −0.18 −0.17 −0.15 −0.12 −0.11 −0.09 −0.08 −0.07 −0.06

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash1.25Total debt112.37Net cash (debt)−111.12Shareholders’ equity3.70Debt to equity30.38Fiscal year 2017Cash1.52Total debt105.01Net cash (debt)−103.49Shareholders’ equity3.45Debt to equity30.40Fiscal year 2018Cash1.29Total debt93.52Net cash (debt)−92.23Shareholders’ equity3.52Debt to equity26.58Fiscal year 2019Cash1.23Total debt81.72Net cash (debt)−80.48Shareholders’ equity3.34Debt to equity24.49Fiscal year 2020Cash1.18Total debt77.33Net cash (debt)−76.15Shareholders’ equity2.43Debt to equity31.78Fiscal year 2021Cash0.91Total debt74.49Net cash (debt)−73.58Shareholders’ equity2.60Debt to equity28.68Fiscal year 2022Cash1.54Total debt61.03Net cash (debt)−59.49Shareholders’ equity2.98Debt to equity20.50Fiscal year 2023Cash0.84Total debt53.40Net cash (debt)−52.56Shareholders’ equity2.76Debt to equity19.35Fiscal year 2024Cash0.72Total debt43.18Net cash (debt)−42.46Shareholders’ equity2.64Debt to equity16.35Fiscal year 2025Cash0.64Total debt40.63Net cash (debt)−40.00Shareholders’ equity2.40Debt to equity16.94
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 1.25 1.52 1.29 1.23 1.18 0.91 1.54 0.84 0.72 0.64
Total debt 112.37 105.01 93.52 81.72 77.33 74.49 61.03 53.40 43.18 40.63
Net cash (debt) −111.12 −103.49 −92.23 −80.48 −76.15 −73.58 −59.49 −52.56 −42.46 −40.00
Shareholders’ equity 3.70 3.45 3.52 3.34 2.43 2.60 2.98 2.76 2.64 2.40
Debt to equity 30.38 30.40 26.58 24.49 31.78 28.68 20.50 19.35 16.35 16.94

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a 147.1% 195.1% 137.1% 184.6% 249.1% 97.5% 64.2% n/a
n/a n/a 110.0% 152.7% 106.2% 141.4% 194.3% 71.0% 48.3% n/a
Spending
38.5% 61.8% 25.2% 21.8% 22.6% 23.4% 22.0% 27.2% 24.7% n/a
Returns
18.4% 8.5% 11.2% 17.9% 16.9% 27.6% 21.7% 8.3% 5.0% −3.3%
0.6% 0.3% 0.4% 0.6% 0.5% 0.9% 0.9% 0.4% 0.3% −0.2%
Balance and payout
30.38 30.40 26.58 24.49 31.78 28.68 20.50 19.35 16.35 16.94
96.9% 97.0% 96.6% 96.5% 97.2% 96.8% 95.8% 95.5% 94.9% 95.1%
29.5% 60.3% 42.0% 24.6% 29.9% 14.9% 14.1% 34.2% 53.4% n/a