NAVIENT CORP
NAVINasdaqFinancials · Security Brokers, Dealers & Flotation Companies · DE · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | $271.0M | $321.0M | $332.0M | $507.0M | $388.0M |
| Operating income | — | — | — | — | — | — |
| Net income | −$80.0M | $131.0M | $228.0M | $645.0M | $717.0M | $412.0M |
| Total assets | $48.68B | $51.79B | $61.38B | $70.80B | $80.61B | $87.41B |
| Total liabilities | $46.28B | $49.15B | $58.62B | $67.82B | $78.00B | $84.97B |
| Equity | $2.40B | $2.64B | $2.76B | $2.98B | $2.60B | $2.43B |
| EPS (diluted) | $-0.81 | $1.18 | $1.85 | $4.49 | $4.18 | $2.12 |
| Shares out. | 102.3M | 112.7M | 128.9M | 152.1M | 183.8M | 193.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- −3.3%
- Return on assets
- −0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 95.1%
- Debt / equity
- 19.29×
- Book value / share
- $23.46
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −161.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −1.1%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Sherborne Investors Management LpActivist (13D)Apr 17, 2026
- Dimensional Fund Advisors LpPassive (13G)Apr 9, 2026
- Vanguard Group IncPassive (13G)Mar 27, 2026
- Blackrock, Inc.Passive (13G)Jul 17, 2025
- Sherborne Investors LpActivist (13D)Dec 26, 2024
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Standish TroyOfficer — EVP & Chief Operating Officer | May 22, 2026 | Tax withholding | 1,125 | $8.44 |
| Hauber Stephen MOfficer — EVP, CFO & PAO | May 22, 2026 | Tax withholding | 816 | $8.44 |
| Standish TroyOfficer — EVP & Chief Operating Officer | Mar 4, 2026 | Grant | 51,843 | $8.68 |
| Hauber Stephen MOfficer — EVP, CFO & PAO | Mar 4, 2026 | Grant | 73,444 | $8.68 |
| Standish TroyOfficer — EVP & Chief Operating Officer | Mar 2, 2026 | Tax withholding | 1,783 | $8.62 |
| Hauber Stephen MOfficer — EVP, CFO & PAO | Mar 2, 2026 | Tax withholding | 4,838 | $8.62 |
| Standish TroyOfficer — EVP & Chief Operating Officer | Feb 6, 2026 | Tax withholding | 893 | $10.05 |
| Hauber Stephen MOfficer — EVP, CFO & PAO | Feb 6, 2026 | Tax withholding | 2,962 | $10.05 |
| Yowan David L.Officer — President & CEO | Dec 31, 2025 | Tax withholding | 24,075 | $13.00 |
| Standish TroyOfficer — EVP & Chief Operating Officer | Nov 28, 2025 | Tax withholding | 769 | $12.40 |
| Yowan David L.Officer — President & CEO | Jul 3, 2025 | Tax withholding | 23,501 | $14.82 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 9.6M | 9.4 | +3.9% |
| Apr 30, 2026 | 9.3M | 8.6 | +2.6% |
| Apr 15, 2026 | 9.0M | 11.3 | +2.1% |
| Mar 31, 2026 | 8.8M | 8.5 | +3.7% |
| Mar 13, 2026 | 8.5M | 9.0 | +11.0% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Entered a material agreement · New financial obligationMay 29, 2026
- Results of operationsApr 29, 2026
- Director / officer changeApr 8, 2026
- Results of operationsJan 28, 2026
- Director / officer changeJan 8, 2026
- Regulation FD disclosureNov 19, 2025
- Results of operationsOct 29, 2025
- Results of operationsJul 30, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 8-KMay 29, 2026
- 424B2May 27, 2026
- FWPMay 26, 2026
- 4PRIMARY DOCUMENTMay 26, 2026
- 4PRIMARY DOCUMENTMay 26, 2026
- 424B5May 26, 2026
- 10-QApr 29, 2026
- 8-KApr 29, 2026
- SCHEDULE 13D/AApr 17, 2026
- 144Apr 16, 2026
- DEFA14AApr 16, 2026
- DEF 14AApr 16, 2026
- ARSApr 16, 2026
- 144Apr 14, 2026
- 144Apr 13, 2026
Corporate family
Spun off from Sallie Mae · Apr 30, 2014
From the spin-off filings we track. Follow a company to walk its own history.
Event-driven situations (2)
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