NASDAQ$NAVI
Navient Corp · Q4 2025 earnings
Q4 2025 earnings · · Before market open · Investor relations
Briefing
Navient reported a small GAAP net loss and modest Core Earnings net income in Q4 2025, reflecting improved cost control and focused loan growth.
Navient posted a GAAP net loss of $5 million and Core Earnings net income of $2 million in Q4 2025, supported by reduced operating expenses and stable performance in its loan segments.
- GAAP net loss of $5 million, while Core Earnings showed a net income of $2 million.
- Consumer Lending segment originated $680 million in Private Education Loans, up 87%.
- Federal Education Loans segment generated $27 million in net income with a stable delinquency trend.
- Navient repurchased $26 million of common shares and paid $15 million in dividends during the quarter.
Headline financials
Revenue & EPS history
Navient · Revenue · Quarterly
$115M
Forward guidance
Navient expects continued growth in loan originations and product expansion, supported by investments in Earnest and enhanced operating leverage.
Tailwinds
- Strong outlook for loan originations in 2026
- Continued investment in Earnest platform and capabilities
- Reduced cost structure from expense control measures
- Enhanced operating leverage expected going forward
- Strategic focus following business segment divestitures
Headwinds
- Macroeconomic uncertainty may impact delinquency trends
- Continued elevated charge-offs in Private Education Loans
- Potential regulatory headwinds and restructuring expenses
- Portfolio paydowns may dampen interest income growth
- Low FFELP loan prepayments reduce earnings from that segment
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2025
-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 |
|---|---|---|---|---|
| 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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