Earnings summaries and quarterly performance for NAVI.
Executive leadership at NAVI.
David Yowan
President and Chief Executive Officer
David Green
Executive Vice President and Chief Executive Officer, Earnest
Joe Fisher
Chief Financial Officer and Principal Accounting Officer
Steve Hauber
Executive Vice President and Chief Administrative Officer
Troy Standish
Executive Vice President and Chief Operating Officer
Board of directors at NAVI.
Research analysts who have asked questions during NAVI earnings calls.
Jeffrey Adelson
Morgan Stanley
5 questions for NAVI
Moshe Orenbuch
TD Cowen
5 questions for NAVI
Richard Shane
JPMorgan Chase & Co.
5 questions for NAVI
Sanjay Sakhrani
Keefe, Bruyette & Woods (KBW)
5 questions for NAVI
William Ryan
Seaport Research Partners
5 questions for NAVI
Terry Ma
Barclays
4 questions for NAVI
Mark DeVries
Deutsche Bank
3 questions for NAVI
Nathaniel Richam-Odoi
Bank of America
3 questions for NAVI
John Hecht
Jefferies
2 questions for NAVI
Ryan Shelley
Bank of America
2 questions for NAVI
Recent press releases and 8-K filings for NAVI.
- Navient reported a GAAP net loss of $5 million ($0.06 diluted loss per share) and Core Earnings net income of $2 million ($0.02 diluted earnings per share) for the fourth quarter of 2025. For the full year 2025, the company reported a GAAP net loss of $80 million ($0.81 diluted loss per share) and a Core Earnings net loss of $35 million ($0.35 diluted loss per share).
- Fourth-quarter 2025 results included a $43 million provision for loan losses in the Consumer Lending segment, with $34 million primarily reflecting macroeconomic outlook and delinquency trends, and $14 million in regulatory and restructuring expenses.
- The Consumer Lending segment's net income was $25 million, driven by $680 million of Private Education Loan originations, an 87% increase compared to the fourth quarter of 2024.
- Operating expenses for Q4 2025 were $88 million, a $58 million decrease from Q4 2024, largely due to the sale of the government services business. During the quarter, Navient also repurchased $26 million of common shares and paid $15 million in common stock dividends.
- Navient Corporation published its "Phase 2 Strategy Update" presentation on November 19, 2025, outlining its strategy to grow its Earnest division.
- The company anticipates $119 million in pre-tax savings over the remaining 17-year life of its legacy portfolio due to restructuring.
- Earnest's annual originations are projected to increase from $971 million in 2023 to $2,400 million in 2025E, representing a 2.5x growth.
- Earnest plans to launch a Personal Loans pilot in 2026, with a full launch for high-value customers in 2027, and will originate In-School loans within Navient in 2028.
- For 2025E, Earnest's illustrative financial snapshot shows $219 million in Total Revenue and $75 million in Operating Profit.
- Navient reported a GAAP net loss of $86 million ($0.87 diluted loss per share) and a Core Earnings net loss of $83 million ($0.84 diluted loss per share) for Q3 2025, primarily driven by a $168 million provision for loan losses.
- The Consumer Lending segment, despite a $76 million net loss, saw Private Education Loan originations increase by 58% to $788 million.
- The company repurchased $26 million of common shares during the quarter and authorized a new $100 million share repurchase program.
- Navient has ceased providing Business Processing segment services after the sale of its government services business in February 2025.
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