Navient Corporation
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 3.53B | 3.84B | 4.84B | 4.23B | 3.23B | -23.7% | |
| Cost of Revenue | (1.25B) | (2.18B) | (3.68B) | (3.39B) | (421.00M) | -87.6% | |
Gross Profit | 2.27B | 1.66B | 1.16B | 848.00M | 2.81B | 231.1% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | — | — | |
| Selling, General & Administrative | (569.00M) | (444.00M) | (401.00M) | (316.00M) | — | -100.0% | |
| Depreciation & Amortization | — | — | — | — | (3.00M) | — | |
Operating Income (EBIT) | 936.00M | 827.00M | 313.00M | 174.00M | 2.49B | 1331.6% | |
| Non-Operating Items | |||||||
| Interest Income | 2.65B | 3.22B | 4.42B | 3.81B | 3.11B | -18.4% | |
| Interest Expense | (1.32B) | (2.10B) | (3.56B) | (3.27B) | (2.58B) | -21.1% | |
| Other Income/Expenses (Net) | — | — | — | — | -2.60B | — | |
Income Before Tax | 936.00M | 827.00M | 313.00M | 174.00M | -111.00M | -163.8% | |
| Income Tax Expense | (219.00M) | (182.00M) | (85.00M) | (43.00M) | (31.00M) | -172.1% | |
Net Income | 717.00M | 645.00M | 228.00M | 131.00M | -80.00M | -161.1% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $4 | $5 | $2 | $1 | $-1 | -167.5% | |
| Weighted Avg Shares Outstanding | 170.00M | 142.07M | 122.00M | 109.00M | 99.00M | -9.2% | |
| Weighted Avg Shares Outstanding (Diluted) | 172.00M | 144.00M | 123.00M | 111.00M | 99.00M | -10.8% | |
EBITDA | 936.00M | 827.00M | 313.00M | 174.00M | 2.47B | 1321.8% |
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Small Cap