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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

Oct 28, 2026 (in a month)
Revenue estimate$143.8M
EPS estimate$0.12

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%

FAQ

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.