Navient Corporation (NAVI)

From the record

Navient Corporation's filings since 2017 show 2 warning events of 2 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2026-11-02); a material cybersecurity incident (8-K item 1.05, the latest 2026-07-02) (its current reports).

From the record

Navient Corporation's 8 filed years say what it did: revenue went from $4.9 billion in fiscal 2018 to $3.1 billion in fiscal 2025, down 6.3% a year; it rose in 2 of 7 years; the deepest fall was 46% from fiscal 2018 to fiscal 2021; net income was positive in 7 of 8 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Navient Corporation's diluted share count shrank about 11.7% a year, and dividends and buybacks returned about 51% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Navient Corporation lost about 3 cents for every dollar of shareholders' money. Leverage: it owed about 95 cents per dollar of assets, and net share issuance: its share count shrank 10.8% over the year (the filed statements).

From the record

Navient Corporation's standing among 29 graded names in its industry family: revenue of $3.1 billion in fiscal 2025 ranks in the top 48% by size; a net margin of -2.6% ranks in the bottom 16%; revenue growth of -1.2% a year over the last 3 filed years ranks in the bottom 2% (its annual reports).

From the record

Navient Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Yowan, David L. (President & CEO, as filed), filing under that title since 2023-05-17, 3.5 years (bottom 47% of its family); the 8 officers and directors filing in the last fifteen months have been on the record a median of 7.9 years (top 42%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 8 people in charge now (bottom 7%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Navient Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $637 million against debt of $41 billion leaves -82.2% of its assets as net cash, bottom 2% of its family; cash from operations less capital spending is 14.2% of revenue (top 47%) (its annual report).

From the record

Navient Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew -1.2% a year over the last three filed years against -6.3% over all 8, speeding up (top 31% of its family); the newest year grew -18.4% (bottom 2%) (its annual reports). Navient Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Navient Corporation's newest year against its own record: revenue of $3.1 billion in fiscal 2025 came in 24.9% below the $4.1 billion its prior three years' pace pointed to (bottom 14% of its family); net income of $80 million against a prior three-year average of $335 million (bottom 6%); a net margin of -2.6% against 9.5% before (bottom 2%) (its annual reports).