14 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has declined 7.1% per year over the past 5 years.
Financial health
Total debt ($45.7B) exceeds cash ($637M); net debt is $45.1B.
Total debt has grown slower than revenue (-11.4% vs -7.1% per year).
Shareholder returns
Dividends have been paid for 14 consecutive years.
The dividend has declined 12.5% per year over the past 5 years.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
—
-$80M
—
—
-3.3%
-0.2%
—
$45.7B
$637M
2024
$271M
$131M
0.0%
0.0%
5.0%
0.3%
—
$48.3B
$722M
2023
$321M
$228M
0.0%
0.0%
8.3%
0.4%
—
$57.6B
$839M
2022
$332M
$645M
0.0%
0.0%
21.7%
0.9%
—
$66.9B
$1.5B
2021
$507M
$717M
0.0%
0.0%
27.6%
0.9%
—
$77.0B
$905M
2020
$388M
$412M
0.0%
0.0%
16.9%
0.5%
—
$83.9B
$1.2B
2019
$391M
$597M
0.0%
0.0%
17.9%
0.6%
—
$90.2B
$1.2B
2018
$359M
$395M
0.0%
0.0%
11.2%
0.4%
—
$98.9B
$1.3B
2017
—
$292M
—
—
8.5%
0.3%
—
$109.8B
$1.5B
2016
—
$681M
—
—
18.4%
0.6%
—
$114.7B
$1.3B
2015
—
$984M
—
—
25.2%
0.7%
—
$127.4B
$1.6B
2014
—
$1.1B
—
—
27.1%
0.8%
—
$139.5B
$1.4B
2013
—
$1.4B
—
—
25.2%
0.9%
—
$150.4B
$5.2B
2012
—
$939M
—
—
—
—
—
—
$3.9B
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$25M
—
—
1.0%
0.1%
—
$44.3B
$770M
Mar '26
—
$17M
—
—
0.7%
0.0%
—
$45.1B
$621M
Dec '25
—
-$5M
—
—
-0.2%
-0.0%
—
$45.7B
$637M
Sep '25
—
-$86M
—
—
-3.5%
-0.2%
—
$46.3B
$571M
Jun '25
—
$14M
—
—
0.5%
0.0%
—
$47.1B
$712M
Mar '25
—
-$2M
—
—
-0.1%
-0.0%
—
$47.7B
$642M
Dec '24
$43M
$24M
0.0%
0.0%
0.9%
0.0%
—
$48.3B
$722M
Sep '24
$70M
-$2M
0.0%
0.0%
-0.1%
-0.0%
—
$50.0B
$1.1B
Jun '24
$81M
$36M
0.0%
0.0%
1.3%
0.1%
—
$52.9B
$1.1B
Mar '24
$77M
$73M
0.0%
0.0%
2.6%
0.1%
—
$55.3B
$823M
Dec '23
$81M
-$28M
0.0%
0.0%
-1.0%
-0.0%
—
$57.6B
$839M
Sep '23
$85M
$79M
0.0%
0.0%
2.7%
0.1%
—
$59.6B
$977M
Jun '23
$83M
$66M
0.0%
0.0%
2.3%
0.1%
—
$61.8B
$1.3B
Mar '23
$72M
$111M
0.0%
0.0%
3.8%
0.2%
—
$63.1B
$570M
Dec '22
$71M
$105M
0.0%
0.0%
3.5%
0.1%
—
$66.9B
$1.5B
Sep '22
$79M
$105M
0.0%
0.0%
3.5%
0.1%
—
$69.7B
$1.4B
Jun '22
$87M
$180M
0.0%
0.0%
6.1%
0.2%
—
$72.3B
$976M
Mar '22
$95M
$255M
0.0%
0.0%
9.0%
0.3%
—
$74.6B
$708M
Dec '21
$116M
-$11M
0.0%
0.0%
-0.4%
-0.0%
—
$77.0B
$905M
Sep '21
$127M
$173M
0.0%
0.0%
6.4%
0.2%
—
$78.4B
$1.1B
Valuation over time
How the market has priced NAVI against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 2.3× (Mar '23) to 8.9× (Nov '25).
The price-to-sales ratio has fallen from 4.5× (Mar '23) to 4.3× (Nov '25).
The dividend yield has risen from 6.1% (Mar '23) to 7.5% (Nov '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is NAVI growing its revenue and profit?
Over the past 5 years, Navient Corp's revenue has declined 7.1% per year. These are computed facts, not advice.
How much debt does NAVI have?
As of FY2025, Navient Corp reported $45.7B of total debt against $637M of cash.
What is NAVI's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.