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Last update at 2026-06-04T20:26:00Z
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CACC's Q1 Earnings Miss, Stock Gains 2.6% on Higher Finance Charges
Thu 01 May 25, 11:05 AMNavient posts first quarter 2025 financial results
Wed 30 Apr 25, 10:30 AMNavient Gears Up to Announce Q1 Earnings: What's in the Cards?
Mon 28 Apr 25, 11:36 AMNavient (NAVI) Expected to Beat Earnings Estimates: Should You Buy?
Wed 23 Apr 25, 02:01 PMWhy Navient (NAVI) Could Beat Earnings Estimates Again
Fri 18 Apr 25, 04:10 PMLPL Financial Completes Acquisition of Investment Center
Wed 12 Mar 25, 11:38 AMHSBC Sells UK Private Client Trust Arm Under Business Simplifying Plan
Wed 12 Mar 25, 11:36 AMNavient Full Year 2024 Earnings: In Line With Expectations
Tue 04 Mar 25, 10:37 AMNavient (NAVI) Up 1.6% Since Last Earnings Report: Can It Continue?
Fri 28 Feb 25, 04:30 PMNavient (NASDAQ:NAVI) Is Paying Out A Dividend Of $0.16
Thu 27 Feb 25, 10:48 AM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 827.00M | 936.00M | 532.00M | 763.00M | 528.00M |
| Minority interest | - | - | 14.00M | 13.00M | 28.00M |
| Net income | 645.00M | 717.00M | 412.00M | 597.00M | 395.00M |
| Selling general administrative | 444.00M | 569.00M | 497.00M | 488.00M | 507.00M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | 1737.00M | 1004.00M | 724.00M | 1012.00M | 939.00M |
| Reconciled depreciation | - | - | 21.00M | 25.00M | 31.00M |
| Ebit | 2929.00M | 2252.00M | 532.00M | 763.00M | 4196.00M |
| Ebitda | 2929.00M | 936.00M | 553.00M | 788.00M | 4227.00M |
| Depreciation and amortization | 19.00M | 30.00M | 21.00M | 25.00M | 31.00M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 2929.00M | 936.00M | 532.00M | 763.00M | 4196.00M |
| Other operating expenses | 1192.00M | -1275.00000M | -1156.00000M | -1233.00000M | 2273.00M |
| Interest expense | 2102.00M | 1316.00M | 2046.00M | 3488.00M | 3668.00M |
| Tax provision | 182.00M | 219.00M | 120.00M | 166.00M | 133.00M |
| Interest income | 3223.00M | 2648.00M | 3298.00M | 4673.00M | 4908.00M |
| Net interest income | 1121.00M | 1332.00M | 1252.00M | 1185.00M | 1240.00M |
| Extraordinary items | - | - | - | - | 59.00M |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 182.00M | 219.00M | 120.00M | 166.00M | 133.00M |
| Total revenue | 1737.00M | 2211.00M | 1688.00M | 1996.00M | 1923.00M |
| Total operating expenses | 1192.00M | -1275.00000M | -1156.00000M | -1233.00000M | 2273.00M |
| Cost of revenue | 444.00M | 1207.00M | 964.00M | 984.00M | 984.00M |
| Total other income expense net | -2102.00000M | 702.00M | -838.00000M | -1942.00000M | -3668.00000M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 645.00M | 717.00M | 412.00M | 597.00M | 395.00M |
| Net income applicable to common shares | 645.00M | 717.00M | 412.00M | 597.00M | 395.00M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 61375.00M | 70795.00M | 80605.00M | 87412.00M | 94903.00M |
| Intangible assets | 695.00M | 35.00M | 54.00M | 70.00M | 92.00M |
| Earning assets | - | - | - | - | - |
| Other current assets | -2793.00000M | 3334.00M | 75742.00M | 82119.00M | 89779.00M |
| Total liab | 58615.00M | 67818.00M | 77997.00M | 84965.00M | 91554.00M |
| Total stockholder equity | 2756.00M | 2977.00M | 2597.00M | 2433.00M | 3336.00M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | -4226.00000M | -405.00000M | -2490.00000M | -6613.00000M | -8483.00000M |
| Common stock | 4.00M | 4.00M | 4.00M | 4.00M | 4.00M |
| Capital stock | 4.00M | 4.00M | 4.00M | 4.00M | 4.00M |
| Retained earnings | 4638.00M | 4490.00M | 3939.00M | 3331.00M | 3664.00M |
| Other liab | - | 664.00M | 1019.00M | 1020.00M | 710.00M |
| Good will | 670.00M | 670.00M | 671.00M | 665.00M | 665.00M |
| Other assets | 54827.00M | 65616.00M | 76204.00M | 82588.00M | 90238.00M |
| Cash | 2793.00M | 1535.00M | 905.00M | 1183.00M | 1233.00M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 4226.00M | 5465.00M | 2490.00M | 6613.00M | 8483.00M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 54835.00M | 65361.00M | 76073.00M | 82762.00M | 88965.00M |
| Short term debt | 4226.00M | 5870.00M | 2490.00M | 6613.00M | 8483.00M |
| Short long term debt | 4145.00M | 5870.00M | 2490.00M | 6613.00M | 8483.00M |
| Short long term debt total | 57628.00M | 66896.00M | 76978.00M | 83945.00M | 90198.00M |
| Other stockholder equity | -1905.00000M | -1604.00000M | -1213.00000M | -628.00000M | -241.00000M |
| Property plant equipment | - | 74.00M | 95.00M | 116.00M | 135.00M |
| Total current assets | 2793.00M | 3781.00M | 3314.00M | 3688.00M | 3562.00M |
| Long term investments | 146.00M | 167.00M | 267.00M | 285.00M | 211.00M |
| Net tangible assets | - | 2272.00M | 1872.00M | 1698.00M | 2579.00M |
| Short term investments | - | 452.00M | 462.00M | - | - |
| Net receivables | 2304.00M | 2246.00M | 2409.00M | 2505.00M | 2329.00M |
| Long term debt | 53276.00M | 61026.00M | 74488.00M | -77332.00000M | 81715.00M |
| Inventory | 489.00M | - | - | - | - |
| Accounts payable | - | - | - | - | - |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | 11.00M | 14.00M | 13.00M |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | 19.00M | 87.00M | -133.00000M | -274.00000M | -91.00000M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | 4.00M | 4.00M | 4.00M | 4.00M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | 4490.00M | 3939.00M | 3331.00M | 3664.00M |
| Treasury stock | - | -4917.00000M | -4495.00000M | -3854.00000M | -3439.00000M |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 2914.00M | 452.00M | -1087.00000M | -1136.00000M | -1103.00000M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 3755.00M | 1398.00M | 1087.00M | 1136.00M | 1103.00M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | 61026.00M | 74488.00M | -77332.00000M | 81715.00M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -2051.00000M | -4516.00000M | -4641.00000M | -4996.00000M | -3537.00000M |
| Change to liabilities | 159.00M | -55.00000M | -113.00000M | -96.00000M | 89.00M |
| Total cashflows from investing activities | 10585.00M | 6673.00M | 6448.00M | 7485.00M | 10360.00M |
| Net borrowings | -9259.00000M | -6824.00000M | -6964.00000M | -9209.00000M | -10336.00000M |
| Total cash from financing activities | -9661.00000M | -7334.00000M | -7679.00000M | -9985.00000M | -10884.00000M |
| Change to operating activities | 121.00M | 440.00M | 125.00M | 58.00M | 352.00M |
| Net income | 645.00M | 717.00M | 412.00M | 597.00M | 395.00M |
| Change in cash | 1229.00M | 41.00M | -244.00000M | -1481.00000M | 616.00M |
| Begin period cash flow | 3578.00M | 3537.00M | 3781.00M | 5262.00M | 4646.00M |
| End period cash flow | 4807.00M | 3578.00M | 3537.00M | 3781.00M | 5262.00M |
| Total cash from operating activities | 305.00M | 702.00M | 987.00M | 1019.00M | 1140.00M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 19.00M | 30.00M | 21.00M | 30.00M | 47.00M |
| Other cashflows from investing activities | 12636.00M | 11189.00M | 11089.00M | 12481.00M | 13897.00M |
| Dividends paid | -91.00000M | -107.00000M | -123.00000M | -147.00000M | 166.00M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -147.00000M | 47.00M | 22.00M | 78.00M | -125.00000M |
| Sale purchase of stock | -400.00000M | -600.00000M | -400.00000M | -440.00000M | -220.00000M |
| Other cashflows from financing activities | 3426.00M | 197.00M | -192.00000M | -189.00000M | -162.00000M |
| Change to netincome | -340.00000M | -15.00000M | 575.00M | 422.00M | 376.00M |
| Capital expenditures | 0.00000M | 0.00000M | 0.00000M | 0.00000M | 0.00000M |
| Change receivables | - | - | - | - | -125.00000M |
| Cash flows other operating | - | - | - | - | 405.00M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | 1229.00M | 41.00M | -244.00000M | -1481.00000M | 616.00M |
| Change in working capital | 133.00M | 432.00M | 34.00M | 40.00M | 285.00M |
| Stock based compensation | 19.00M | 22.00M | 18.00M | 25.00M | 25.00M |
| Other non cash items | -492.00000M | -469.00000M | 523.00M | 357.00M | 435.00M |
| Free cash flow | 305.00M | 702.00M | 987.00M | 1019.00M | 1140.00M |
Sector: Financial Services Industry: Credit Services
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | ||
|---|---|---|---|---|---|---|---|---|
| NAVI Navient Corp |
0.33 4.44% | 7.77 | 9.28 | 7.61 | 1.59 | 0.67 | ||
| V Visa Inc. Class A |
7.78 2.49% | 320.18 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
10.21 2.17% | 481.76 | 37.04 | 29.50 | 16.14 | 62.35 | 16.47 | 27.24 |
| AXP American Express Company |
11.96 3.98% | 312.53 | 21.46 | 18.83 | 3.38 | 6.76 | 3.93 | |
| COF Capital One Financial Corporation |
5.58 3.14% | 183.20 | 61.36 | 10.04 | 3.84 | 1.12 | 3.02 |
Navient Corporation provides technology-enabled education finance and business processing solutions for education, health care, and government clients in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. It also owns, originates, and services refinance and in-school private education loans; and offers business processing solutions, such as omnichannel contact center, workflow processing, and revenue cycle optimization services to federal agencies, state governments, tolling and parking authorities, other public sector clients, as well as hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments. In addition, the company provides corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
13865 Sunrise Valley Drive, Herndon, VA, United States, 20171
| Name | Title | Year Born |
|---|---|---|
| Mr. John F. Remondi | Pres, CEO & Director | 1963 |
| Mr. Joe Fisher C.F.A. | Exec. VP, CFO & Principal Accounting Officer | 1981 |
| Mr. Stephen M. Hauber | Exec. VP and Chief Risk & Compliance Officer | 1975 |
| Mr. Mark L. Heleen | Chief Legal Officer, Sec. & Exec. VP | 1963 |
| Mr. John M. Kane | Exec. VP & Group Pres of Bus. Processing Solutions | 1969 |
| Mr. Mike Maier | Sr. VP & Chief Information Officer | NA |
| Ms. Jen Earyes | Head of Investor Relations | NA |
| Paul Hartwick | VP of Corp. Communications | NA |
| Ms. Patricia Nash Christel | VP of Corp. Marketing & Communications and Chief of Staff to the CEO | NA |
| Mr. Mike Smith | Sr. VP & Chief HR Officer | NA |
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