NASDAQ$NAVI
Navient Corp · Q2 2025 earnings
Q2 2025 earnings · · Before market open · Investor relations
Briefing
Navient Corp reported GAAP net income of $14 million for the second quarter ended June 30, 2025.
Navient reported GAAP net income of $14 million ($0.13 diluted EPS) for Q2 2025, down from $36 million in the prior year quarter. Core Earnings net income was $21 million ($0.20 per share). The company originated $500 million of Private Education Loans, repurchased $24 million of common stock and paid $16 million in dividends while reducing operating expenses to $100 million.
- GAAP net income fell to $14 million from $36 million year-over-year primarily due to lower net interest income and higher loan loss provisions.
- Core Earnings net income was $21 million with Federal Education Loans net interest margin at 0.70% and Consumer Lending margin at 2.32%.
- Private Education Loan originations reached $500 million, an increase from $278 million in the year-ago quarter.
- Operating expenses declined to $100 million and the company returned $40 million to shareholders through share repurchases and dividends.
Headline financials
Revenue & EPS history
Navient · Revenue · Quarterly
$115M
Forward guidance
The company expects continued growth in Private Education Loan originations driven by the elimination of the GradPLUS loan program effective July 1, 2026, and anticipates realizing significant cost savings from the outsourced servicing model over the remaining life of the FFELP portfolio.
Tailwinds
- Strong growth in Private Education Loan originations nearly doubling year-over-year.
- Reduced operating expenses and progress on strategic cost reduction initiatives.
- Maintained strong capital position with Adjusted Tangible Equity Ratio of 9.8%.
Headwinds
- Continued paydown of loan portfolios impacting net interest income.
- Higher provisions for loan losses due to increased originations and macroeconomic outlook.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports
-0.5%
Avg return
Earnings day
-0.4%
Avg return
5 days after
+1.4%
Avg return
30 days after
45%
24 / 53 earnings
Positive
+13.0%
Q2 2020
Best reaction
-18.7%
Q4 2025
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q2 2025 | — | — | — | |
| Q1 2026 | +3.7% | -2.2% | -6.8% | |
| Q4 2025 | -18.7% | -17.1% | -27.0% | |
| Q3 2025 | -9.8% | -5.7% | -4.2% | |
| Q1 2025 | -2.5% | +0.6% | +5.8% | |
| Q4 2024 | -3.3% | -6.8% | -4.6% | |
| Q3 2024 | -6.0% | -6.2% | +2.9% | |
| Q2 2024 | +0.4% | +3.6% | +3.7% | |
| Q1 2024 | -5.1% | -6.3% | -8.9% | |
| Q4 2023 | +2.1% | -11.0% | -10.5% | |
| Q3 2023 | -6.3% | -7.1% | -1.6% | |
| Q2 2023 | -2.9% | -1.6% | -9.7% | |
| Q1 2023 | +3.5% | +2.1% | -2.8% | |
| Q4 2022 | +4.4% | +5.0% | +3.2% | |
| Q3 2022 | -6.8% | -2.6% | +4.2% | |
| Q2 2022 | +7.1% | +4.9% | +6.3% | |
| Q1 2022 | -4.5% | -7.4% | -8.4% | |
| Q4 2021 | -12.1% | -10.5% | -4.5% | |
| Q3 2021 | -3.4% | -0.9% | +3.6% | |
| Q2 2021 | -3.2% | -0.4% | +9.6% | |
| Q1 2021 | +6.0% | +10.1% | +19.7% | |
| Q4 2020 | -1.4% | -0.6% | +8.1% | |
| Q3 2020 | -5.7% | -3.5% | +7.0% | |
| Q2 2020 | +13.0% | +13.6% | +22.5% | |
| Q1 2020 | -6.5% | -0.4% | +1.7% | |
| Q4 2019 | +9.5% | +9.0% | +4.3% | |
| Q3 2019 | +8.2% | +14.3% | +19.5% | |
| Q2 2019 | +12.3% | +4.8% | -3.4% | |
| Q1 2019 | +7.5% | +9.5% | +7.5% | |
| Q4 2018 | +1.8% | +5.8% | +12.9% | |
| Q3 2018 | -5.4% | -6.5% | -10.5% | |
| Q2 2018 | -6.3% | -5.5% | -5.7% | |
| Q1 2018 | -1.2% | -0.4% | +8.7% | |
| Q4 2017 | +7.3% | +7.5% | -3.3% | |
| Q3 2017 | +2.1% | +5.4% | +8.8% | |
| Q2 2017 | -7.3% | -9.3% | -17.3% | |
| Q1 2017 | +1.2% | +5.7% | -8.2% | |
| Q4 2016 | -1.2% | -4.4% | -2.8% | |
| Q3 2016 | -0.9% | -3.9% | +30.4% | |
| Q2 2016 | +3.5% | +3.7% | +4.9% | |
| Q1 2016 | +3.6% | — | — | |
| Q4 2015 | +6.8% | — | — | |
| Q3 2015 | +5.1% | — | — | |
| Q2 2015 | -1.2% | — | — | |
| Q1 2015 | +0.6% | — | — | |
| Q4 2012 | -10.7% | — | — | |
| Q4 2014 | +0.1% | — | — | |
| Q3 2013 | +2.7% | — | — | |
| Q3 2014 | +1.0% | — | — | |
| Q2 2013 | -0.2% | — | — | |
| Q2 2014 | +0.0% | — | — | |
| Q4 2013 | -3.0% | — | — | |
| Q1 2013 | -3.0% | — | — | |
| Q1 2014 | -3.0% | — | — |
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