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Navient Corp

NAVI · Financials

Last earnings Aug 6, 2026

Key results

OVERALL RESULTS GAAP net incomequarter

$14 million

OVERALL RESULTS GAAP net income of $14 million ($0.13 diluted earnings per share).

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Core EPSquarter

$21 million

Core Earnings (1) of $21 million ($0.20 diluted earnings per share).

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

EDUCATION LOANS SEGMENT net incomequarter

$30 million

SECOND-QUARTER HIGHLIGHTS FEDERAL EDUCATION LOANS SEGMENT Net income of $30 million.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

CONSUMER LENDING SEGMENT net incomequarter

$26 million

CONSUMER LENDING SEGMENT Net income of $26 million.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Revenuequarter

$14 million

There is $14 million of revenue recognized in Other revenue related to these services.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Net incomequarter

$30 million

2Q24 Net income was $30 million compared to $28 million.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Net income was $26 million compared to $60 million.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

39% Core Earnings Basis (1) Net income (1) $ 21 $ 26 $ 33 $ 47 $ 86 Diluted earnings per common share (1) $ .

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

AI analysis

Q2 2025 · reported Jul 30, 2025

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Revenue · Q2 2025

$14M

EX-99 · Jul 30, 2025

OVERALL RESULTS GAAP net income · Q2 2025

$14M

EX-99 · Jul 30, 2025

Core EPS · Q2 2025

$21M

EX-99 · Jul 30, 2025

EDUCATION LOANS SEGMENT net income · Q2 2025

$30M

EX-99 · Jul 30, 2025

Headline figures

Metric	Q2 2025	Prior qtr	Year ago
OVERALL RESULTS GAAP net income	$14 million	—	—
Core EPS	$21 million	—	—
EDUCATION LOANS SEGMENT net income	$30 million	—	—
CONSUMER LENDING SEGMENT net income	$26 million	—	—
Revenue	$14 million	—	—
Net income	$30 million	—	—

EX-99 · Jul 30, 2025

Guidance · company-stated

No guidance located in the held release

Outlook statement

“The provision for loan losses of $29 million in the year-ago quarter included $7 million associated with loan originations and $22 million related to a general reserve build primarily as a result of an increase in delinquency balances as well as a weakening in the forecasted macroeconomic metrics used to estimate expected losses.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$16M

Repurchased $24 million of common shares.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

OVERALL RESULTS GAAP net income of $14 million ($0.13 diluted earnings per share)

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Repurchased $24 million of common shares.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

$52 million common share repurchase authority remains outstanding.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Paid $16 million in common stock dividends.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Issued $500 million of unsecured debt and $536 million of asset-backed securities.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

19) (59)% Dividends per common share $ .

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

86) (89)% Dividends per common share $ .

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Strategy & priorities

OPERATING EXPENSES Operating expenses of $100 million, of which $13 million is in connection with transition services we have provided related to our various strategic initiatives.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Other income increased $15 million primarily related to the transition services we provide related to our various strategic initiatives.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Current period expense includes $13 million incurred in connection with providing transition services related to our various strategic initiatives.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Restructuring and other reorganization expenses decreased $16 primarily due to a decrease in severance-related costs in connection with the various strategic initiatives being implemented to simplify the company, reduce our expense base and enhance our flexibility.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Other income increased $20 million primarily related to the transition services we provide related to our various strategic initiatives.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Risks & headwinds

Such statements are based on management s expectations as of the date of this release and involve many risks and uncertainties that could cause our actual results to differ materially from those expressed or implied in our forward-looking statements.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Definitions for the non-GAAP financial measures and reconciliations are provided below, except that reconciliations of forward-looking non-GAAP financial measures are not provided because the Company is unable to provide such reconciliations without unreasonable effort due to the uncertainty and inherent difficulty of predicting the occurrence and financial impact of certain items, including, but not limited to, the impact of any mark-to-market gains/losses resulting from our use of derivative instruments to hedge our economic risks.

SEC original ↗Navient Corp — Earnings release (8-K exhibit)EX-99Jul 30, 2025

Such statements are based on management's expectations as of the date of this filing and involve many risks and uncertainties that could cause our actual results to differ materially from those expressed or implied in our forward-looking statements.

SEC original ↗Navient Corp — 10-Q Quarterly report10-QAug 7, 2026

Given these risks and uncertainties, readers are cautioned not to place undue reliance on such forward-looking statements.

SEC original ↗Navient Corp — 10-Q Quarterly report10-QAug 7, 2026

Readers are urged to carefully review and consider the various disclosures made in this Form 10-Q and in other documents we file from time to time with the SEC that disclose risks and uncertainties that may affect our business.

SEC original ↗Navient Corp — 10-Q Quarterly report10-QAug 7, 2026

Documents

Earnings deck slides

0 decks with slide view

Navient Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

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