Navient Corporation (NAVI) Revenue History
Annual and quarterly revenue from 2012 to present
NAVI Revenue Over Time (2012–2025)
NAVI Revenue Growth History
5 of 13 years with positive growth- FY2012 revenue growth
- N/A
- FY2013 revenue growth
- +6.0%
- FY2014 revenue growth
- -9.4%
- FY2015 revenue growth
- -8.2%
- FY2016 revenue growth
- -4.1%
- FY2017 revenue growth
- +4.4%
- FY2018 revenue growth
- +7.9%
- FY2019 revenue growth
- -1.9%
- FY2020 revenue growth
- -31.9%
- FY2021 revenue growth
- -5.5%
- FY2022 revenue growth
- +8.8%
- FY2023 revenue growth
- +26.0%
- FY2024 revenue growth
- -12.4%
- FY2025 revenue growth
- -23.7%
| Quarter | Revenue | YoY |
|---|---|---|
| Q1 2026 | $695.0M | — |
| Q4 2025 | $761.0M | — |
| Q3 2025 | $800.0M | — |
| Q2 2025 | $806.0M | — |
| Q1 2025 | $828.0M | — |
| Q4 2024 | $977.0M | — |
| Q3 2024 | $1.00B | — |
| Q2 2024 | $1.09B | — |
Multi-year avg. share of annual revenue by fiscal quarter
Revenue Breakdown (FY 2025)
NAVI's revenue distribution by segment and geography for fiscal year 2025
By Product/Segment
NAVI Revenue Analysis (2012–2025)
Current Revenue & Growth
As of June 21, 2026, Navient Corporation (NAVI) generated trailing twelve-month (TTM) revenue of $3.06 billion, reflecting significant decline in growth of -16.1% year-over-year. The most recent quarter (Q1 2026) recorded $695.0 million in revenue, down 8.7% sequentially.
Historical Growth Trajectory
NAVI's 5-year compound annual growth rate (CAGR) stands at -2.9%, indicating revenue contraction over this period. The 3-year CAGR of -5.6% is below the 5-year average, signalling a growth deceleration in recent years. Navient Corporation's highest annual revenue of $6.22 billion was recorded in 2013.
Revenue by Segment
NAVI's revenue is primarily driven by Federal Education Loans Segment (39%), Other Operating Segment (36%), and Business Processing (17%). The diversified mix across segments reduces dependence on any single product line, which can support more resilient revenue in downturns.
Peer Comparison
Compared to Financial Services sector peers — including SLM, ECPG, and PRA (-3.2% YoY) — NAVI has underperformed the peer group in revenue growth. Compare NAVI vs SLM →
NAVI Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| NAVICurrent | $3.1B | -16.1% | -2.9% | 77.1% | |
 SLM | $3.1B | - | - | 31.9% | |
 ECPG | $1.8B | - | - | 35.4% | |
 PRA | $1.1B | -3.2% | +4.4% | 6.6% | |
 PFSI | $4.4B | - | - | 34.6% | |
 OMF | $6.2B | - | - | 16.0% |
NAVI Historical Revenue Data (2012–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $3.23B | - | $2.81B | 87.0% | $2.49B | 77.1% |
| 2024 | $4.23B | - | $848.0M | 20.0% | $174.0M | 4.1% |
| 2023 | $4.84B | - | $1.16B | 23.9% | $313.0M | 6.5% |
| 2022 | $3.84B | - | $1.66B | 43.2% | $827.0M | 21.5% |
| 2021 | $3.53B | - | $2.27B | 64.4% | $936.0M | 26.5% |
| 2020 | $3.73B | - | $1.53B | 41.1% | $532.0M | 14.2% |
| 2019 | $5.48B | - | $1.74B | 31.7% | $763.0M | 13.9% |
| 2018 | $5.59B | - | $1.55B | 27.8% | $528.0M | 9.4% |
| 2017 | $5.18B | - | $1.78B | 34.4% | $764.0M | 14.7% |
| 2016 | $4.96B | - | $2.09B | 42.2% | $1.11B | 22.3% |
| 2015 | $5.18B | - | $2.52B | 48.7% | $1.58B | 30.5% |
| 2014 | $5.64B | - | $2.93B | 51.9% | $1.82B | 32.3% |
| 2013 | $6.22B | - | $3.17B | 51.0% | $2.09B | 33.5% |
| 2012 | $5.87B | - | $2.23B | 38.0% | $1.44B | 24.5% |
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
14+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
NAVI — Frequently Asked Questions
Quick answers to the most common questions about buying NAVI stock.
Is NAVI's revenue growth accelerating or slowing?
NAVI revenue is declining -16.1% year-over-year. TTM revenue fell to $3.1B, contrasting with the 5-year CAGR of -2.9%. The reversal reflects either macro headwinds or company-specific challenges.
What is NAVI's revenue history from 2012 to 2026?
Navient Corporation (NAVI) revenue history spans 2012 to 2026. TTM revenue as of 2026 is $3.1B, growing at -16.1% YoY. The 5-year CAGR is -2.9%. Complete annual and quarterly revenue figures are available on this page, including gross profit, operating income, and margin trends.
What is NAVI's long-term revenue growth rate (CAGR)?
Navient Corporation's 5-year revenue CAGR of -2.9% reflects the variable nature of its business expansion. As of 2026, the current YoY growth rate of -16.1% is below this long-term average. CAGR is the most reliable measure of sustained revenue momentum for NAVI.
Why does NAVI's quarterly revenue fluctuate?
NAVI quarterly revenue can fluctuate significantly between periods. A quarter-over-quarter (QoQ) change does not always indicate a trend; comparing the same quarter year-over-year (YoY) is a more reliable signal for underlying growth. Navient Corporation's revenue data from 2012 to 2026 shows full historical quarterly detail on this page.
How is NAVI's revenue distributed by segment?
NAVI reports revenue broken down by product line and geographic region. The segment breakdown on this page shows which business units contribute the most to total revenue as of the latest fiscal year. Concentration in a single segment above 50% indicates category dependence, while a diversified mix signals more resilient revenue streams.
How does NAVI's revenue compare to industry peers?
Navient Corporation (NAVI) with TTM revenue of $3.1B and -16.1% YoY growth can be benchmarked against sector peers using the comparison table on this page. Revenue growth relative to peers indicates market share gains or losses. The peer section shows TTM revenue, YoY growth, and operating margin for direct comparisons.