Navient Corporation (NAVI) Earnings History
Annual and quarterly earnings data from 2012 to 2024
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 20.0% | 4.1% | 3.1% |
| 2023 | 23.9% | 6.5% | 4.7% |
| 2022 | 43.2% | 21.5% | 16.8% |
| 2021 | 64.4% | 26.5% | 20.3% |
| 2020 | 41.1% | 14.2% | 11.0% |
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Navient Corporation (NAVI) Earnings Overview
As of March 2, 2026, Navient Corporation (NAVI) reported trailing twelve-month net income of -$50M, reflecting -0.4% year-over-year growth. The company earned $-0.51 per diluted share over the past four quarters, with a net profit margin of 0.0%.
Looking at the long-term picture, NAVI's 5-year EPS compound annual growth rate (CAGR) stands at -14.3%, signaling declining earnings. 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 industry peers including SOFI ($640M net income, 0.1% margin), JSM (-$50M net income, 0.0% margin), SLM ($623M net income, 0.2% margin), NAVI has room to improve margins relative to the peer group. Compare NAVI vs SOFI →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
13 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 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% |
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Start ComparisonFrequently Asked Questions
Is NAVI growing earnings?
NAVI EPS of $-0.51 reflects slowing growth at -0.4%, below the 5-year CAGR of -14.3%. TTM net income is $-50M. Expansion rate has moderated.
What are NAVI's profit margins?
Navient Corporation net margin is +0.0%, with operating margin at +0.0%. Below-average margins reflect competitive or cost pressures.
How consistent are NAVI's earnings?
NAVI earnings data spans 2012-2024. The current earnings trend is -0.4% YoY. Historical data enables comparison across business cycles.