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NAVI · NASDAQ · Financial - Credit Services

Navient (NAVI)

Earnest private lending and legacy student-loan portfolios after the Sallie Mae spin-off.

$9.48

After hours+0.01 (+0.16%)

At close$9.47(−1.10%)

In millions of USD, except per-share figures

In millions	Q3 FY23Sep 2023	Q4 FY23Dec 2023	Q1 FY24Mar 2024	Q2 FY24Jun 2024	Q3 FY24Sep 2024	Q4 FY24Dec 2024	Q1 FY25Mar 2025	Q2 FY25Jun 2025	Q3 FY25Sep 2025	Q4 FY25Dec 2025	Q1 FY26Mar 2026	Q2 FY26Jun 2026
Revenue	1,301	1,151	1,162	1,090	1,005	977	828	806	800	761	695	682
Cost of revenue	951	976	887	857	870	771	702	687	807	88	564	27
Gross profit	350	175	275	233	135	206	126	119	−7	673	131	655
	240	211	187	185	123	180	131	101	110	47	120	82
	99	99	101	87	72	57	49	35	32	0	89	0
General & administrative	99	99	101	87	72	57	49	35	32	0	89	0
Other expenses	141	112	86	98	51	123	82	66	78	47	31	82
Operating income	110	−36	88	48	12	26	−5	18	−117	626	11	573
	0	0	0	0	0	0	0	0	0	−633	21	−534
Interest income	1,170	1,081	1,027	973	948	861	802	778	781	746	695	682
Interest expense	879	921	875	843	828	726	672	650	639	621	564	564
Other non-operating income	0	0	0	0	0	0	0	0	0	12	0	3
Income before tax	110	−36	88	48	12	26	−5	18	−117	−7	32	39
Income tax expense	31	−8	15	12	14	2	−3	4	−31	−2	15	14
Net income from continuing operations	79	−28	73	36	−2	24	−2	14	−86	−5	17	25
Net income	79	−28	73	36	−2	24	−2	14	−86	−5	17	25
EPS, basic	$0.66	−$0.25	$0.65	$0.32	−$0.02	$0.23	−$0.02	$0.14	−$0.87	−$0.06	$0.18	$0.26
EPS, diluted	$0.65	−$0.25	$0.64	$0.32	−$0.02	$0.22	−$0.02	$0.14	−$0.87	−$0.06	$0.17	$0.26
Weighted average shares, basic	120	122	113	111	108	109	102	100	99	83	95	95
Weighted average shares, diluted	121	122	114	112	108	109	102	101	99	83	96	96
EBITDA	110	−36	88	48	12	26	−5	19	−117	615	15	570
Depreciation & amortization	0	0	0	0	0	0	0	1	0	1	4	0
EBIT	110	−36	88	48	12	26	−5	18	−117	614	11	570