Navient Corporation (NAVI) Earnings History
Net Loss14 years of earnings data (2012–2025) · Currently unprofitable on a TTM basis
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Navient Corporation (NAVI) Earnings Overview
As of June 21, 2026, Navient Corporation (NAVI) reported trailing twelve-month net income of -$60M, reflecting -168.6% year-over-year growth. The company earned $-0.63 per diluted share over the past four quarters, with a net profit margin of -2.5%.
Looking at the long-term picture, NAVI's historical earnings data spans multiple years. The company achieved its highest annual net income of $1.42B in fiscal 2013.
Navient Corporation is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including SLM ($745M net income, 24.0% margin), ECPG ($296M net income, 14.6% margin), PRA ($65M net income, 4.6% margin), NAVI has room to improve margins relative to the peer group. Compare NAVI vs SLM →
NAVI Earnings vs Peers
Earnings metrics vs comparable public companies
NAVI Historical Earnings Data (2012–2025)
14 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$80M | -161.1% | $2.49B | $-0.81 | -2.5% | 77.1% |
| 2024 | $131M | -42.5% | $174M | $1.18 | 3.1% | 4.1% |
| 2023 | $228M | -64.7% | $313M | $1.85 | 4.7% | 6.5% |
| 2022 | $645M | -10.0% | $827M | $4.48 | 16.8% | 21.5% |
| 2021 | $717M | +74.0% | $936M | $4.17 | 20.3% | 26.5% |
| 2020 | $412M | -31.0% | $532M | $2.11 | 11.0% | 14.2% |
| 2019 | $597M | +51.1% | $763M | $2.56 | 10.9% | 13.9% |
| 2018 | $395M | +35.3% | $528M | $1.50 | 7.1% | 9.4% |
| 2017 | $292M | -57.1% | $764M | $1.04 | 5.6% | 14.7% |
| 2016 | $681M | -30.8% | $1.11B | $2.12 | 13.7% | 22.3% |
| 2015 | $984M | -13.5% | $1.58B | $2.61 | 19.0% | 30.5% |
| 2014 | $1.14B | -19.8% | $1.82B | $2.69 | 20.2% | 32.3% |
| 2013 | $1.42B | +51.0% | $2.09B | $3.12 | 22.8% | 33.5% |
| 2012 | $939M | - | $1.44B | $1.90 | 16.0% | 24.5% |
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Intrinsic Valuation
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NAVI — Frequently Asked Questions
Quick answers to the most common questions about buying NAVI stock.
What is NAVI earnings per share (EPS)?
NAVI trailing twelve-month (TTM) diluted EPS is $-0.63, reflecting -168.6% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2012 to 2025 is available in the table on this page.
What is Navient Corporation's net income?
Navient Corporation (NAVI) trailing twelve-month net income is $-60M as of 2025. Earnings declined -168.6% year-over-year.
Is NAVI profitable?
NAVI is not currently profitable on a TTM basis, reporting a net loss of $-60M. Net margin is -2.5%. Investors should monitor for a return to profitability.
What is NAVI's earnings growth rate?
NAVI compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2012 to 2025.
What are NAVI's profit margins?
Navient Corporation net profit margin is -2.5%, operating margin is +77.1%, and gross margin is +87.0%. Below-average margins reflect competitive or cost pressures. Return on Equity is -3.2%.
Is NAVI growing earnings?
NAVI earnings are declining — EPS fell -168.6% year-over-year. TTM net income dropped to $-60M. This contrasts with the 5-year CAGR of N/A.
What was NAVI's best earnings year?
Navient Corporation's highest annual net income on record is $1.4B, achieved in fiscal year 2013. Earnings history on this page spans 2012 to 2025 and includes all annual and quarterly figures.
What were NAVI's earnings last quarter?
NAVI's most recent reported quarter was Q1 2026. Net income was $17M with diluted EPS of $0.17. For a full breakdown of all quarters, see the quarterly earnings table on this page.