Navient (NAVI) Financial Statements & Analysis

Navient (NAVI) Income Statement

Navient reported revenue of $330.00M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 65.7% from $961.00M a year earlier. Navient posted a net loss of $80.00M, compared with net income of $131.00M a year earlier. Gross margin was 850.9% and operating margin -28.5%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $682.00M, up 473.1% from the same quarter a year earlier.

Navient Income Statement Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Navient Corporation income statement - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	0.33	0.96	1.28	1.66	3.53	3.73	5.48	5.59	5.18
Cost of Revenue	0.42	3.39	3.68	2.18	1.26	2.20	3.75	4.04	3.40
Gross Profit	2.81	0.85	1.16	1.66	2.27	1.53	1.74	1.55	1.79
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	0.27	0.32	0.40	0.33	0.57	0.50	0.49	0.51	0.52
Operating Expenses	0.32	0.67	0.84	0.83	1.34	1.00	0.98	1.03	1.02
Operating Income	-0.09	0.16	0.35	0.86	0.94	0.53	0.76	0.53	0.76
Other Income/Expense
Interest Income	3.11	3.81	4.42	3.22	2.65	3.30	4.67	4.91	4.38
Interest Expense	2.58	3.27	3.56	2.10	1.32	2.05	3.49	3.67	2.97
Other Income/Expense	-2.60	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	-0.11	0.17	0.31	0.83	0.94	0.53	0.76	0.53	0.76
Income Tax Expense	-0.03	0.04	0.09	0.18	0.22	0.12	0.17	0.13	0.47
Net Income	-0.08	0.13	0.23	0.65	0.72	0.41	0.60	0.40	0.29
Net Income - Continuous Operations	-0.08	0.13	0.23	0.65	0.72	0.41	0.60	0.40	0.29
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	0.00	0.15	0.01	0.02	0.94	0.55	0.79	0.56	0.79
EBIT	0.51	0.43	0.53	0.30	0.91	-	-	-	-
Depreciation & Amortization	0.00	0.00	0.00	0.00	0.00	0.02	0.03	0.03	0.02
Earnings Per Share
Basic EPS	-1.00	1.00	2.00	5.00	4.00	2.00	3.00	2.00	1.00
Diluted EPS	-1.00	1.00	2.00	4.00	4.00	2.00	3.00	2.00	1.00
Basic Shares Outstanding	0.10	0.11	0.12	0.14	0.17	0.19	0.23	0.26	0.28
Diluted Shares Outstanding	0.10	0.11	0.12	0.14	0.17	0.20	0.23	0.26	0.28

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Navient Financial Statements

What was Navient's revenue in fiscal 2025?

Navient reported revenue of $330.00M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 65.7% from $961.00M a year earlier.

Is Navient profitable?

No. Navient reported a net loss of $80.00M in fiscal 2025. In fiscal 2024 it earned $131.00M.

What is Navient's operating margin?

Navient's operating income was −$94.00M on revenue of $330.00M in fiscal 2025, an operating margin of -28.5%, compared with 16.6% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition