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Navient NAVI Q4 2025 Annual earnings

Reported January 28, 2026 · Before market open

Revenue$144.0MMiss by $15.8M
EPS$0.02Miss by $0.29
Revenue estimate$159.8M
EPS estimate$0.31

Next report

Aug 6, 2026 (In 1 week)
Revenue estimate$142.9M
EPS estimate$0.18

Financials

Q4 2025

Income statement

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Net income-$5.0M-121%
EPS (diluted)-$0.06-126%

Balance sheet

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Cash & equivalents$637.0M-11.8%
Total debt$45.7B-5.4%
Total assets$48.7B-6.0%

Cash flow

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Operating cash flow$174.0M+2,075%

Versus estimates

Revenue

Q1 2026$152.0MBeat by $10.5M
Q4 2025$144.0MMiss by $15.8M
Q3 2025$800.0MBeat by $663.3MQ2 2025$806.0MBeat by $659.7MQ1 2025$802.0MBeat by $655.0MQ4 2024$595.0MBeat by $441.5M

Diluted EPS

Q1 2026$0.20Beat by $0.03
Q4 2025$0.02Miss by $0.29
Q3 2025$0.29Beat by $0.11Q2 2025$0.21Miss by $0.06Q1 2025$0.28Beat by $0.09Q4 2024$0.25Miss by $0.01

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Questions, answered.

When did Navient report Q4 2025 earnings?
Navient (NAVI) reported Q4 2025 earnings on January 28, 2026 before market open.
What were Navient's Q4 2025 revenue and EPS?
Navient reported revenue of $144.0M and eps of $0.02 for Q4 2025.
Did Navient beat estimates in Q4 2025?
Revenue missed the consensus estimate of $159.8M by $15.8M. EPS missed the consensus estimate of $0.31 by $0.29.
How did Navient's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 75.8% from $595.0M a year earlier and eps declined 92.0% from $0.25.
Where can I find Navient's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-025024) and the 10-K periodic report (0001193125-26-076753) directly on SEC EDGAR. The filing index links above go to sec.gov.