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Navient Co. SR NT 6% 121543 (JSM) Financials

Navient Co. SR NT 6% 121543 logo
$19.42 -0.03 (-0.13%)
Closing price 03:50 PM Eastern
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$19.42 0.00 (0.00%)
As of 04:04 PM Eastern
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Annual Income Statements for Navient Co. SR NT 6% 121543

Annual Income Statements for Navient Co. SR NT 6% 121543

This table shows Navient Co. SR NT 6% 121543's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 1,131 984 681 292 395 597 412 717 645 228 131
Consolidated Net Income / (Loss)		 1,137 984 681 292 395 597 412 717 645 228 131
Net Income / (Loss) Continuing Operations		 1,137 983 681 292 395 597 412 717 645 228 131
Total Pre-Tax Income 		1,818 1,580 1,108 764 528 763 532 936 827 313 174
Total Revenue		 3,574 3,123 2,524 2,208 1,942 2,041 1,682 2,138 1,737 1,271 1,152
Net Interest Income / (Expense)		 2,667 2,221 1,705 1,412 1,240 1,185 1,252 1,332 1,121 862 536
Total Interest Income		 4,739 4,303 4,146 4,383 4,908 4,673 3,298 2,648 3,223 4,419 3,809
Investment Securities Interest Income		 4,739 4,303 4,146 4,383 4,908 4,673 3,298 2,648 3,223 4,419 3,809
Total Interest Expense		 2,063 2,074 2,441 2,971 3,668 3,488 2,046 1,316 2,102 3,557 3,273
Total Non-Interest Income		 907 902 819 796 702 856 430 806 616 409 616
Service Charges on Deposit Accounts		 - - 304 290 274 240 214 168 77 64 54
Other Service Charges		 380 357 7.00 9.00 17 45 20 30 32 21 30
Net Realized & Unrealized Capital Gains on Investments		 139 178 118 22 -19 83 -262 69 171 3.00 261
Other Non-Interest Income		 388 367 390 475 430 488 458 539 336 321 271
Provision for Credit Losses		 647 581 429 426 370 258 155 -61 79 123 113
Total Non-Interest Expense		 1,109 962 987 1,018 1,044 1,020 995 1,263 831 835 865
Salaries and Employee Benefits		 479 467 500 519 507 488 497 569 444 401 316
Other Operating Expenses		 508 451 451 447 477 496 467 638 332 399 364
Amortization Expense		 9.00 12 36 23 47 30 22 30 19 10 146
Restructuring Charge		 113 32 0.00 29 13 6.00 9.00 26 36 25 39
Income Tax Expense		 681 597 427 472 133 166 120 219 182 85 43
Basic Earnings per Share		 $2.71 $2.62 $2.15 $1.06 $1.52 $2.59 $2.14 $4.23 $4.54 $1.87 $1.20
Weighted Average Basic Shares Outstanding		 417M 376M 316M 275M 260M 230M 193M 170M 142M 122M 109M
Diluted Earnings per Share		 $2.66 $2.58 $2.12 $1.04 $1.49 $2.56 $2.12 $4.18 $4.49 $1.85 $1.18
Weighted Average Diluted Shares Outstanding		 425M 382M 322M 281M 264M 233M 195M 172M 144M 123M 111M
Weighted Average Basic & Diluted Shares Outstanding		 417.20M 374.80M 291.01M 275M 259.90M 193.33M 183.77M 152.13M 128.94M 112.75M 102.28M
Cash Dividends to Common per Share		 $0.60 $0.64 $0.64 $0.64 $0.64 $0.64 $0.64 $0.64 $0.64 $0.64 $0.64

Quarterly Income Statements for Navient Co. SR NT 6% 121543

This table shows Navient Co. SR NT 6% 121543's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 105 111 66 79 -28 73 36 -2.00 24 -2.00 14
Consolidated Net Income / (Loss)		 105 111 66 79 -28 73 36 -2.00 24 -2.00 14
Net Income / (Loss) Continuing Operations		 105 111 66 79 -28 73 36 -2.00 24 -2.00 14
Total Pre-Tax Income 		114 144 96 110 -37 88 48 12 26 -5.00 18
Total Revenue		 332 322 307 422 220 287 247 396 222 156 156
Net Interest Income / (Expense)		 223 234 178 291 159 152 130 120 134 130 128
Total Interest Income		 1,024 1,071 1,097 1,170 1,081 1,027 973 948 861 802 778
Investment Securities Interest Income		 1,300 1,071 1,097 1,170 1,081 1,027 973 948 861 802 778
Total Interest Expense		 801 837 919 879 922 875 843 828 727 672 650
Total Non-Interest Income		 109 88 129 131 61 135 117 276 88 26 28
Service Charges on Deposit Accounts		 18 17 16 15 16 17 18 13 6.00 13 14
Other Service Charges		 9.00 7.00 4.00 5.00 5.00 9.00 4.00 10 7.00 15 19
Net Realized & Unrealized Capital Gains on Investments		 11 -8.00 26 26 -41 32 14 183 32 -25 -5.00
Other Non-Interest Income		 71 72 83 85 81 77 81 70 43 23 0.00
Provision for Credit Losses		 - -14 11 72 54 12 14 42 45 30 37
Total Non-Interest Expense		 185 192 200 240 203 187 185 342 151 131 101
Salaries and Employee Benefits		 108 105 98 99 99 101 87 72 56 49 35
Other Operating Expenses		 63 80 84 134 101 82 79 112 91 78 65
Amortization Expense		 2.00 3.00 3.00 3.00 1.00 3.00 3.00 140 - 1.00 1.00
Restructuring Charge		 12 4.00 15 4.00 2.00 1.00 16 18 4.00 3.00 0.00
Income Tax Expense		 9.00 33 30 31 -9.00 15 12 14 2.00 -3.00 4.00
Basic Earnings per Share		 $0.87 $0.87 $0.53 $0.66 ($0.19) $0.65 $0.32 ($0.02) $0.25 ($0.02) $0.14
Weighted Average Basic Shares Outstanding		 142M 129M 124M 120M 122M 113M 111M 108M 109M 102M 100M
Diluted Earnings per Share		 $0.85 $0.86 $0.52 $0.65 ($0.18) $0.64 $0.32 ($0.02) $0.24 ($0.02) $0.13
Weighted Average Diluted Shares Outstanding		 144M 130M 125M 121M 123M 114M 112M 108M 111M 102M 101M
Weighted Average Basic & Diluted Shares Outstanding		 128.94M 126.46M 121.60M 117.57M 112.75M 111.82M 109.41M 107.36M 102.28M 101.33M 99.43M
Cash Dividends to Common per Share		 $0.16 $0.16 $0.16 $0.16 $0.16 $0.16 $0.16 $0.16 $0.16 $0.16 $0.16

Annual Cash Flow Statements for Navient Co. SR NT 6% 121543

This table details how cash moves in and out of Navient Co. SR NT 6% 121543's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -3,747 151 -474 -66 616 -1,481 -244 41 1,229 -2,014 -690
Net Cash From Operating Activities		 1,664 1,910 1,347 1,158 1,140 1,019 987 702 305 676 459
Net Cash From Continuing Operating Activities		 1,664 1,910 1,347 1,155 1,140 1,019 987 702 305 676 459
Net Income / (Loss) Continuing Operations		 1,137 984 681 292 395 597 412 717 645 228 131
Consolidated Net Income / (Loss)		 1,137 984 681 292 395 597 412 717 645 228 131
Provision For Loan Losses		 647 581 429 426 370 258 155 -61 79 123 113
Amortization Expense		 9.00 12 36 23 47 30 22 30 19 10 146
Non-Cash Adjustments to Reconcile Net Income		 -758 -773 -303 -48 43 94 364 -416 -571 179 -143
Changes in Operating Assets and Liabilities, net		 629 1,106 504 462 285 40 34 432 133 136 212
Net Cash From Investing Activities		 -1,653 10,686 11,282 7,118 10,360 7,485 6,448 6,673 10,585 7,357 8,466
Net Cash From Continuing Investing Activities		 -1,653 10,686 11,282 7,118 10,360 7,485 6,448 6,673 10,585 7,357 8,466
Purchase of Investment Securities		 -14,493 -4,265 -3,690 -7,371 -3,728 -5,395 -4,731 -6,052 -1,955 -965 -1,393
Sale and/or Maturity of Investments		 804 798 14,972 14,673 115 408 11,179 12,725 12,540 8,322 9,500
Other Investing Activities, net		 12,036 14,153 0.00 -184 13,973 12,472 0.00 0.00 0.00 0.00 359
Net Cash From Financing Activities		 -3,758 -12,445 -13,103 -8,342 -10,884 -9,985 -7,679 -7,334 -9,661 -10,047 -9,615
Net Cash From Continuing Financing Activities		 -3,758 -12,445 -13,103 -8,342 -10,884 -9,985 -7,679 -7,334 -9,661 -10,047 -9,615
Issuance of Debt		 1,817 5,504 1,231 10,053 495 0.00 682 1,237 0.00 989 0.00
Repayment of Debt		 -3,480 -16,519 -13,140 -17,746 -10,831 -9,209 -7,646 -8,061 -9,259 -10,547 -9,287
Repurchase of Common Equity		 -600 -945 -755 -440 -220 -440 -400 -600 -400 -310 -179
Payment of Dividends		 -2,472 -240 -201 -176 -166 -147 -123 -107 -91 -78 -70
Other Financing Activities, Net		 251 -245 -238 -33 -162 -189 -192 197 89 -101 -79
Cash Interest Paid		 1,983 1,981 2,301 2,872 3,460 3,479 2,059 1,378 1,904 3,431 3,238
Cash Income Taxes Paid		 592 102 253 158 63 97 74 201 42 62 41

Quarterly Cash Flow Statements for Navient Co. SR NT 6% 121543

This table details how cash moves in and out of Navient Co. SR NT 6% 121543's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Change in Cash & Equivalents		 895 -2,029 490 -467 -8.00 155 1,058 -1,213 -690 -48 22
Net Cash From Operating Activities		 207 145 99 122 310 182 279 -10 8.00 71 126
Net Cash From Continuing Operating Activities		 207 145 99 122 310 182 279 -10 8.00 71 126
Net Income / (Loss) Continuing Operations		 105 111 66 79 -28 73 36 -2.00 24 -2.00 13
Consolidated Net Income / (Loss)		 105 111 66 79 -28 73 36 -2.00 24 -2.00 13
Provision For Loan Losses		 17 -14 11 71 55 12 14 42 45 30 37
Amortization Expense		 2.00 3.00 2.00 3.00 2.00 3.00 2.00 140 1.00 1.00 1.00
Non-Cash Adjustments to Reconcile Net Income		 20 74 -16 -45 166 -31 13 -97 -28 60 45
Changes in Operating Assets and Liabilities, net		 63 -29 36 14 115 125 214 -93 -34 -18 30
Net Cash From Investing Activities		 3,773 1,848 1,826 1,659 2,024 2,330 3,268 1,961 907 661 745
Net Cash From Continuing Investing Activities		 3,773 1,848 1,826 1,659 2,024 2,330 3,268 1,961 907 661 745
Purchase of Investment Securities		 -190 -274 -164 -303 -224 -363 -247 -407 -376 -630 -449
Sale and/or Maturity of Investments		 12,451 4.00 -3.00 5.00 8,316 14 -6.00 351 9,141 52 2,408
Other Investing Activities, net		 -8,488 2,118 1,993 1,957 -6,068 2,679 3,521 2,017 -7,858 1,239 -1,214
Net Cash From Financing Activities		 -3,085 -4,022 -1,435 -2,248 -2,342 -2,357 -2,489 -3,164 -1,605 -780 -849
Net Cash From Continuing Financing Activities		 -3,085 -4,022 -1,435 -2,248 -2,342 -2,357 -2,489 -3,164 -1,605 -780 -849
Issuance of Debt		 -2,978 189 1,427 208 -835 201 283 13 -497 543 -48
Repayment of Debt		 -19 -4,048 -2,791 -2,276 -1,432 -2,451 -2,710 -3,135 -991 -1,267 -796
Repurchase of Common Equity		 -85 -85 -80 -75 -70 -43 -38 -33 -65 -35 -24
Payment of Dividends		 -22 -21 -19 -19 -19 -18 -17 -18 -17 -16 -16
Other Financing Activities, Net		 19 -57 28 -86 14 -46 -7.00 9.00 -35 -5.00 35
Cash Interest Paid		 696 845 843 880 863 866 814 851 707 703 611

Annual Balance Sheets for Navient Co. SR NT 6% 121543

This table presents Navient Co. SR NT 6% 121543's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 146,352 134,046 121,136 114,991 104,176 94,903 87,412 80,605 70,795 61,375 51,789
Cash and Due from Banks		 1,443 1,594 1,253 1,518 1,286 1,233 1,183 905 1,535 839 722
Restricted Cash		 3,926 7,291 7,034 3,128 3,976 2,548 2,354 2,673 3,272 1,954 1,381
Trading Account Securities		 6.00 506 353 2.00 0.00 19 15 74 0.00 0.00 143
Loans and Leases, Net of Allowance		 0.00 122,796 111,070 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Intangible Assets		 369 705 670 810 786 757 735 725 705 695 437
Other Assets		 140,608 16,767 4,529 109,533 98,128 90,346 83,125 76,228 65,116 57,741 79,958
Total Liabilities & Shareholders' Equity		 146,352 134,046 121,136 114,991 104,176 94,903 87,412 80,605 70,795 61,375 51,789
Total Liabilities		 142,154 130,113 117,413 111,506 100,629 91,554 84,965 77,997 67,818 58,615 49,148
Short-Term Debt		 2,663 2,570 2,334 4,771 5,422 8,483 6,613 2,490 5,870 4,226 5,134
Long-Term Debt		 136,866 124,833 112,368 105,012 93,519 81,715 77,332 74,488 61,026 53,402 43,184
Other Long-Term Liabilities		 2,625 2,710 2,711 1,723 1,688 1,356 1,020 1,019 922 987 830
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 4,198 3,933 3,723 3,485 3,547 3,349 2,447 2,608 2,977 2,760 2,641
Total Preferred & Common Equity		 4,198 3,909 3,699 3,454 3,519 3,336 2,433 2,597 0.00 0.00 2,641
Preferred Stock		 - - - - - - 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 4,198 3,909 3,699 3,454 3,519 3,336 2,433 2,597 2,977 2,760 2,641
Common Stock		 2,897 2,971 3,026 3,081 3,149 3,202 3,230 3,286 3,317 3,357 3,384
Retained Earnings		 1,724 2,414 2,890 3,004 3,218 3,664 3,331 3,939 4,490 4,638 4,697
Treasury Stock		 -432 -1,425 -2,223 -2,692 -2,961 -3,439 -3,854 -4,495 -4,917 -5,254 -5,443
Accumulated Other Comprehensive Income / (Loss)		 9.00 -51 6.00 61 113 -91 -274 -133 87 19 3.00

Quarterly Balance Sheets for Navient Co. SR NT 6% 121543

This table presents Navient Co. SR NT 6% 121543's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025
Total Assets		 76,065 73,625 66,913 65,598 63,414 59,029 56,622 53,440 50,950 50,222
Cash and Due from Banks		 976 1,364 570 1,317 977 823 1,088 1,143 642 712
Restricted Cash		 2,460 5,059 2,208 1,951 1,824 2,125 2,918 1,650 1,413 1,365
Trading Account Securities		 65 62 57 158 149 129 132 140 125 135
Loans and Leases, Net of Allowance		 0.00 194,264 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Intangible Assets		 718 708 703 700 697 692 690 438 437 436
Other Assets		 2,964 4,297 81,650 79,204 77,100 71,868 68,032 66,074 78,577 77,192
Total Liabilities & Shareholders' Equity		 76,065 73,625 66,913 65,598 63,414 59,029 56,622 53,440 50,950 50,222
Total Liabilities		 73,138 70,652 63,955 62,668 60,516 56,263 53,874 50,746 48,361 47,658
Short-Term Debt		 4,609 5,677 5,753 4,838 4,662 4,427 5,326 5,305 4,855 4,752
Long-Term Debt		 67,738 63,998 57,388 56,936 54,907 50,848 47,545 44,695 42,872 42,345
Other Long-Term Liabilities		 791 977 814 894 947 988 1,003 746 634 561
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,927 2,973 2,958 2,930 2,898 2,766 2,748 2,694 2,589 2,564
Total Preferred & Common Equity		 2,927 2,973 2,958 0.00 2,898 2,766 2,748 2,694 2,589 2,564
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 2,927 2,973 2,958 2,930 2,898 2,766 2,748 2,694 2,589 2,564
Common Stock		 3,309 3,313 3,339 3,347 3,353 3,364 3,371 3,378 3,394 3,398
Retained Earnings		 4,323 4,406 4,579 4,625 4,685 4,691 4,710 4,690 4,677 4,674
Treasury Stock		 -4,735 -4,830 -5,026 -5,107 -5,183 -5,304 -5,343 -5,377 -5,484 -5,508
Accumulated Other Comprehensive Income / (Loss)		 30 84 66 65 43 15 10 3.00 2.00 0.00

Annual Metrics And Ratios for Navient Co. SR NT 6% 121543

This table displays calculated financial ratios and metrics derived from Navient Co. SR NT 6% 121543's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -11.82% -12.62% -19.18% -12.52% -12.05% 5.10% -17.59% 27.11% -18.76% -26.83% -9.36%
EBITDA Growth		 -13.00% -12.86% -28.14% -31.21% -26.94% 37.91% -30.14% 74.37% -12.42% -61.82% -0.93%
EBIT Growth		 -12.89% -13.09% -29.87% -31.05% -30.89% 44.51% -30.28% 75.94% -11.65% -62.15% -44.41%
NOPAT Growth		 -13.27% -13.54% -30.72% -57.12% 35.27% 51.14% -30.99% 74.03% -10.04% -64.65% -42.54%
Net Income Growth		 -19.76% -13.46% -30.79% -57.12% 35.27% 51.14% -30.99% 74.03% -10.04% -64.65% -42.54%
EPS Growth		 -14.74% -3.01% -17.83% -50.94% 43.27% 71.81% -17.19% 97.17% 7.42% -58.80% -36.22%
Operating Cash Flow Growth		 -16.80% 14.78% -29.48% -14.03% -1.55% -10.61% -3.14% -28.88% -56.55% 121.64% -32.10%
Free Cash Flow Firm Growth		 108.72% -0.90% 1.63% -59.91% 105.08% -14.65% -20.66% -0.58% 37.68% -6.23% -1.58%
Invested Capital Growth		 -7.92% -8.62% -9.83% -4.35% -9.52% -8.72% -7.65% -7.88% -12.20% -13.57% -15.61%
Revenue Q/Q Growth		 -2.11% 0.58% -7.48% -0.81% -6.18% 2.87% -0.18% -1.47% -7.80% -8.10% 0.17%
EBITDA Q/Q Growth		 3.57% 1.99% -31.99% -42.93% -11.40% 16.62% 2.40% -19.37% 7.22% -43.92% 24.03%
EBIT Q/Q Growth		 3.65% 1.80% -33.05% -43.32% -12.58% 17.57% 2.70% -20.54% 9.39% -44.70% 56.76%
NOPAT Q/Q Growth		 3.65% 2.40% -15.82% -43.95% 65.27% 19.88% 3.78% -21.55% 21.93% -36.84% 65.82%
Net Income Q/Q Growth		 -1.47% 2.18% -15.82% -43.95% 65.27% 19.88% 3.78% -21.55% 21.93% -36.84% 65.82%
EPS Q/Q Growth		 0.00% 6.17% -11.67% -42.54% 61.96% 23.67% 8.72% -16.90% 20.38% -35.76% 55.26%
Operating Cash Flow Q/Q Growth		 -23.77% 26.66% -13.93% 0.96% 26.81% -22.57% -1.69% -0.43% 14.66% 17.98% -39.68%
Free Cash Flow Firm Q/Q Growth		 0.00% 253.53% 5.41% -32.26% 3.70% -7.61% 9.00% -8.81% 14.77% -7.86% -2.96%
Invested Capital Q/Q Growth		 4.29% -2.71% -3.65% -1.84% -2.25% -1.56% -2.36% -1.92% -3.82% -3.33% -3.29%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 51.12% 50.98% 45.32% 35.64% 29.61% 38.85% 32.94% 45.18% 48.70% 25.41% 27.78%
EBIT Margin		 50.87% 50.59% 43.90% 34.60% 27.19% 37.38% 31.63% 43.78% 47.61% 24.63% 15.10%
Profit (Net Income) Margin		 31.81% 31.51% 26.98% 13.22% 20.34% 29.25% 24.49% 33.54% 37.13% 17.94% 11.37%
Tax Burden Percent		 62.54% 62.28% 61.46% 38.22% 74.81% 78.24% 77.44% 76.60% 77.99% 72.84% 75.29%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 37.46% 37.78% 38.54% 61.78% 25.19% 21.76% 22.56% 23.40% 22.01% 27.16% 24.71%
Return on Invested Capital (ROIC)		 0.76% 0.71% 0.55% 0.25% 0.37% 0.61% 0.46% 0.86% 0.86% 0.35% 0.24%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.76% 0.72% 0.55% 0.25% 0.37% 0.61% 0.46% 0.86% 0.86% 0.35% 0.24%
Return on Net Nonoperating Assets (RNNOA)		 22.35% 23.49% 17.24% 7.85% 10.87% 16.71% 13.76% 27.50% 22.23% 7.60% 4.62%
Return on Equity (ROE)		 23.11% 24.20% 17.79% 8.10% 11.23% 17.31% 14.22% 28.37% 23.10% 7.95% 4.85%
Cash Return on Invested Capital (CROIC)		 9.00% 9.72% 10.88% 4.70% 10.36% 9.73% 8.41% 9.07% 13.86% 14.91% 17.17%
Operating Return on Assets (OROA)		 1.19% 1.13% 0.87% 0.65% 0.48% 0.77% 0.58% 1.11% 1.09% 0.47% 0.31%
Return on Assets (ROA)		 0.74% 0.70% 0.53% 0.25% 0.36% 0.60% 0.45% 0.85% 0.85% 0.35% 0.23%
Return on Common Equity (ROCE)		 21.77% 24.13% 17.68% 8.04% 11.14% 17.21% 14.15% 28.23% 23.05% 7.95% 4.85%
Return on Equity Simple (ROE_SIMPLE)		 27.08% 25.17% 18.41% 8.45% 11.22% 17.90% 16.93% 27.61% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 1,137 983 681 292 395 597 412 717 645 228 131
NOPAT Margin		 31.81% 31.48% 26.98% 13.22% 20.34% 29.25% 24.49% 33.54% 37.13% 17.94% 11.37%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 13.40% 14.95% 19.81% 23.51% 26.11% 23.91% 29.55% 26.61% 25.56% 31.55% 27.43%
Operating Expenses to Revenue		 31.03% 30.80% 39.10% 46.11% 53.76% 49.98% 59.16% 59.07% 47.84% 65.70% 75.09%
Earnings before Interest and Taxes (EBIT)		 1,818 1,580 1,108 764 528 763 532 936 827 313 174
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1,827 1,592 1,144 787 575 793 554 966 846 323 320
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.36 0.71 0.95 0.75 0.50 0.74 0.66 1.19 0.69 0.76 0.54
Price to Tangible Book Value (P/TBV)		 1.49 0.87 1.16 0.98 0.65 0.96 0.94 1.66 0.91 1.02 0.65
Price to Revenue (P/Rev)		 1.60 0.89 1.39 1.17 0.91 1.21 0.95 1.45 1.19 1.65 1.24
Price to Earnings (P/E)		 5.06 2.84 5.16 8.86 4.47 4.13 3.88 4.32 3.19 9.21 10.89
Dividend Yield		 3.23% 8.31% 5.52% 6.51% 9.36% 5.74% 7.46% 3.33% 4.21% 3.58% 4.82%
Earnings Yield		 19.78% 35.25% 19.39% 11.29% 22.38% 24.21% 25.79% 23.14% 31.32% 10.86% 9.18%
Enterprise Value to Invested Capital (EV/IC)		 0.97 0.92 0.93 0.95 0.93 0.95 0.95 0.96 0.92 0.94 0.93
Enterprise Value to Revenue (EV/Rev)		 39.14 38.85 43.56 48.80 49.16 43.56 48.76 35.79 36.93 44.80 41.36
Enterprise Value to EBITDA (EV/EBITDA)		 76.56 76.21 96.11 136.92 166.04 112.10 148.05 79.20 75.83 176.27 148.88
Enterprise Value to EBIT (EV/EBIT)		 76.94 76.79 99.23 141.04 180.82 116.51 154.17 81.74 77.57 181.90 273.80
Enterprise Value to NOPAT (EV/NOPAT)		 123.02 123.43 161.46 369.02 241.70 148.91 199.08 106.71 99.46 249.71 363.68
Enterprise Value to Operating Cash Flow (EV/OCF)		 84.06 63.53 81.63 93.05 83.75 87.24 83.10 108.99 210.32 84.22 103.79
Enterprise Value to Free Cash Flow (EV/FCFF)		 10.37 9.07 8.09 19.78 8.54 9.32 10.84 10.17 6.19 5.86 4.98
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 33.24 32.39 30.81 31.50 27.89 26.93 34.31 29.52 22.47 20.88 18.30
Long-Term Debt to Equity		 32.60 31.74 30.18 30.13 26.37 24.40 31.60 28.56 20.50 19.35 16.35
Financial Leverage		 29.47 32.83 31.62 31.14 29.68 27.43 30.05 31.83 25.76 21.71 19.62
Leverage Ratio		 31.09 34.49 33.33 32.76 31.17 28.87 31.46 33.24 27.11 23.04 20.95
Compound Leverage Factor		 31.09 34.49 33.33 32.76 31.17 28.87 31.46 33.24 27.11 23.04 20.95
Debt to Total Capital		 97.08% 97.01% 96.86% 96.92% 96.54% 96.42% 97.17% 96.72% 95.74% 95.43% 94.82%
Short-Term Debt to Total Capital		 1.85% 1.96% 1.97% 4.21% 5.29% 9.07% 7.65% 3.13% 8.40% 7.00% 10.07%
Long-Term Debt to Total Capital		 95.23% 95.05% 94.89% 92.71% 91.25% 87.35% 89.51% 93.59% 87.34% 88.43% 84.74%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.02% 0.02% 0.03% 0.03% 0.01% 0.02% 0.01% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 2.92% 2.98% 3.12% 3.05% 3.43% 3.57% 2.82% 3.26% 4.26% 4.57% 5.18%
Debt to EBITDA		 76.37 80.03 100.26 139.50 172.07 113.74 151.53 79.69 79.07 178.41 150.99
Net Debt to EBITDA		 73.43 74.45 93.02 133.59 162.92 108.97 145.14 75.98 73.39 169.77 144.42
Long-Term Debt to EBITDA		 74.91 78.41 98.22 133.43 162.64 103.05 139.59 77.11 72.13 165.33 134.95
Debt to NOPAT		 122.72 129.61 168.43 375.97 250.48 151.09 203.75 107.36 103.71 252.75 368.84
Net Debt to NOPAT		 117.99 120.57 156.26 360.06 237.16 144.75 195.17 102.37 96.26 240.50 352.79
Long-Term Debt to NOPAT		 120.37 126.99 165.00 359.63 236.76 136.88 187.70 103.89 94.61 234.22 329.65
Noncontrolling Interest Sharing Ratio		 5.79% 0.30% 0.63% 0.76% 0.84% 0.59% 0.47% 0.49% 0.20% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 13,495 13,374 13,592 5,449 11,175 9,538 7,567 7,523 10,358 9,713 9,560
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 6.54 6.45 5.57 1.83 3.05 2.73 3.70 5.72 4.93 2.73 2.92
Operating Cash Flow to Interest Expense		 0.81 0.92 0.55 0.39 0.31 0.29 0.48 0.53 0.15 0.19 0.14
Operating Cash Flow Less CapEx to Interest Expense		 0.81 0.92 0.55 0.39 0.31 0.29 0.48 0.53 0.15 0.19 0.14
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.02 0.02 0.02
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 143,727 131,336 118,425 113,268 102,488 93,547 86,392 79,586 69,873 60,388 50,959
Invested Capital Turnover		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.02 0.02 0.02
Increase / (Decrease) in Invested Capital		 -12,358 -12,391 -12,911 -5,157 -10,780 -8,941 -7,155 -6,806 -9,713 -9,485 -9,429
Enterprise Value (EV)		 139,877 121,334 109,951 107,755 95,472 88,896 82,020 76,509 64,149 56,935 47,642
Market Capitalization		 5,717 2,792 3,512 2,587 1,765 2,466 1,598 3,098 2,060 2,100 1,427
Book Value per Share		 $10.23 $10.79 $12.20 $13.13 $13.64 $15.09 $13.06 $16.11 $21.95 $23.48 $24.60
Tangible Book Value per Share		 $9.33 $8.84 $9.99 $10.05 $10.59 $11.67 $9.12 $11.61 $16.75 $17.56 $20.53
Total Capital		 143,727 131,336 118,425 113,268 102,488 93,547 86,392 79,586 69,873 60,388 50,959
Total Debt		 139,529 127,403 114,702 109,783 98,941 90,198 83,945 76,978 66,896 57,628 48,318
Total Long-Term Debt		 136,866 124,833 112,368 105,012 93,519 81,715 77,332 74,488 61,026 53,402 43,184
Net Debt		 134,160 118,518 106,415 105,137 93,679 86,417 80,408 73,400 62,089 54,835 46,215
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 -1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 139,529 127,403 114,702 109,783 98,941 90,198 83,945 76,978 66,896 57,628 48,318
Total Depreciation and Amortization (D&A)		 9.00 12 36 23 47 30 22 30 19 10 146
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $2.15 $1.06 $1.52 $2.59 $2.14 $4.23 $4.54 $1.87 $1.20
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 316M 275M 260M 230M 193M 170M 142M 122M 109M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $2.12 $1.04 $1.49 $2.56 $2.12 $4.18 $4.49 $1.85 $1.18
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 322M 281M 264M 233M 195M 172M 144M 123M 111M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 291.01M 263.39M 244.51M 193.33M 183.77M 152.13M 128.94M 112.75M 102.28M
Normalized Net Operating Profit after Tax (NOPAT)		 1,208 1,003 681 555 405 602 419 737 673 246 160
Normalized NOPAT Margin		 33.79% 32.11% 26.98% 25.14% 20.84% 29.48% 24.91% 34.47% 38.75% 19.37% 13.92%
Pre Tax Income Margin		 50.87% 50.59% 43.90% 34.60% 27.19% 37.38% 31.63% 43.78% 47.61% 24.63% 15.10%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.88 0.76 0.45 0.26 0.14 0.22 0.26 0.71 0.39 0.09 0.05
NOPAT to Interest Expense		 0.55 0.47 0.28 0.10 0.11 0.17 0.20 0.54 0.31 0.06 0.04
EBIT Less CapEx to Interest Expense		 0.88 0.76 0.45 0.26 0.14 0.22 0.26 0.71 0.39 0.09 0.05
NOPAT Less CapEx to Interest Expense		 0.55 0.47 0.28 0.10 0.11 0.17 0.20 0.54 0.31 0.06 0.04
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 217.41% 24.39% 29.52% 60.27% 42.03% 24.62% 29.85% 14.92% 14.11% 34.21% 53.44%
Augmented Payout Ratio		 270.18% 120.43% 140.38% 210.96% 97.72% 98.33% 126.94% 98.61% 76.12% 170.18% 190.08%

Quarterly Metrics And Ratios for Navient Co. SR NT 6% 121543

This table displays calculated financial ratios and metrics derived from Navient Co. SR NT 6% 121543's official financial filings.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -30.69% -42.50% -32.53% 8.21% -33.73% -10.87% -19.54% -6.16% 0.91% -45.64% -36.84%
EBITDA Growth		 1,762.50% -56.25% -60.32% -23.13% -123.49% -38.10% -48.98% 34.51% 177.14% -104.40% -62.00%
EBIT Growth		 1,937.50% -56.63% -60.66% -19.71% -125.17% -38.89% -50.00% -89.09% 170.27% -105.68% -62.50%
NOPAT Growth		 1,975.00% -56.47% -63.33% -24.76% -124.67% -34.23% -45.45% -102.53% 192.66% -104.79% -61.11%
Net Income Growth		 1,054.55% -56.47% -63.33% -24.76% -126.67% -34.23% -45.45% -102.53% 185.71% -102.74% -61.11%
EPS Growth		 844.44% -48.50% -57.38% -13.33% -121.18% -25.58% -38.46% -103.08% 233.33% -103.13% -59.38%
Operating Cash Flow Growth		 23.21% 233.03% -28.78% 79.41% 49.76% 25.52% 181.82% -108.20% -97.42% -60.99% -54.84%
Free Cash Flow Firm Growth		 44.37% 66.39% 41.81% 19.29% -3.66% -29.10% -14.24% -4.77% -0.06% -5.04% -34.52%
Invested Capital Growth		 -12.20% -14.66% -14.04% -14.01% -13.57% -12.19% -14.04% -15.65% -15.61% -13.31% -10.71%
Revenue Q/Q Growth		 -14.87% -3.01% -4.66% 37.46% -47.87% 30.45% -13.94% 60.32% -43.94% -29.73% 0.00%
EBITDA Q/Q Growth		 1.36% -1.34% -33.33% 15.31% -130.97% 360.00% -45.05% 204.00% -82.24% -114.81% 575.00%
EBIT Q/Q Growth		 7.30% -2.04% -33.33% 14.58% -133.64% 337.84% -45.45% -75.00% 116.67% -119.23% 460.00%
NOPAT Q/Q Growth		 0.00% 5.71% -40.54% 19.70% -132.78% 381.85% -50.68% -105.56% 1,300.00% -114.58% 500.00%
Net Income Q/Q Growth		 0.00% 5.71% -40.54% 19.70% -135.44% 360.71% -50.68% -105.56% 1,300.00% -108.33% 800.00%
EPS Q/Q Growth		 13.33% 1.18% -39.53% 25.00% -127.69% 455.56% -50.00% -106.25% 1,300.00% -108.33% 750.00%
Operating Cash Flow Q/Q Growth		 204.41% -29.95% -31.72% 23.23% 154.10% -41.29% 53.30% -103.58% 180.00% 787.50% 77.46%
Free Cash Flow Firm Q/Q Growth		 14.15% 16.82% -7.26% -3.54% -7.81% -14.04% 12.18% 7.13% -3.25% -18.32% -22.66%
Invested Capital Q/Q Growth		 -3.82% -5.40% -2.11% -3.46% -3.33% -3.89% -4.17% -5.26% -3.29% -1.26% -1.30%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.88% 45.65% 31.92% 26.78% -15.91% 31.71% 20.24% 38.38% 12.16% -2.56% 12.18%
EBIT Margin		 44.28% 44.72% 31.27% 26.07% -16.82% 30.66% 19.43% 3.03% 11.71% -3.21% 11.54%
Profit (Net Income) Margin		 31.63% 34.47% 21.50% 18.72% -12.73% 25.44% 14.57% -0.51% 10.81% -1.28% 8.97%
Tax Burden Percent		 92.11% 77.08% 68.75% 71.82% 75.68% 82.95% 75.00% -16.67% 92.31% 40.00% 77.78%
Interest Burden Percent		 77.55% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 7.89% 22.92% 31.25% 28.18% 0.00% 17.05% 25.00% 116.67% 7.69% 0.00% 22.22%
Return on Invested Capital (ROIC)		 0.74% 0.72% 0.42% 0.38% -0.23% 0.51% 0.28% -0.01% 0.22% -0.04% 0.16%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.74% 0.72% 0.42% 0.38% -0.23% 0.51% 0.28% -0.01% 0.22% -0.04% 0.16%
Return on Net Nonoperating Assets (RNNOA)		 18.94% 17.14% 9.50% 8.44% -5.06% 10.48% 5.75% -0.20% 4.39% -0.76% 2.98%
Return on Equity (ROE)		 19.67% 17.86% 9.92% 8.82% -5.29% 10.98% 6.04% -0.21% 4.61% -0.80% 3.14%
Cash Return on Invested Capital (CROIC)		 13.86% 16.52% 15.66% 15.60% 14.91% 13.29% 15.37% 17.11% 17.17% 14.36% 11.38%
Operating Return on Assets (OROA)		 1.02% 0.92% 0.60% 0.53% -0.32% 0.60% 0.37% 0.06% 0.24% -0.06% 0.20%
Return on Assets (ROA)		 0.73% 0.71% 0.41% 0.38% -0.24% 0.50% 0.28% -0.01% 0.22% -0.02% 0.16%
Return on Common Equity (ROCE)		 19.63% 17.84% 9.92% 8.82% -5.29% 10.98% 6.04% -0.21% 4.61% -0.80% 3.14%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 16.94% 0.00% 12.46% 0.00% 6.87% 5.82% 2.93% 0.00% 2.16% 1.33%
Net Operating Profit after Tax (NOPAT)		 105 111 66 79 -26 73 36 -2.00 24 -3.50 14
NOPAT Margin		 31.63% 34.47% 21.50% 18.72% -11.77% 25.44% 14.57% -0.51% 10.81% -2.24% 8.97%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 32.53% 32.61% 31.92% 23.46% 45.00% 35.19% 35.22% 18.18% 25.23% 31.41% 22.44%
Operating Expenses to Revenue		 55.72% 59.63% 65.15% 56.87% 92.27% 65.16% 74.90% 86.36% 68.02% 83.97% 64.74%
Earnings before Interest and Taxes (EBIT)		 147 144 96 110 -37 88 48 12 26 -5.00 18
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 149 147 98 113 -35 91 50 152 27 -4.00 19
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.69 0.66 0.77 0.69 0.76 0.71 0.59 0.63 0.54 0.50 0.56
Price to Tangible Book Value (P/TBV)		 0.91 0.87 1.01 0.91 1.02 0.94 0.79 0.76 0.65 0.60 0.67
Price to Revenue (P/Rev)		 1.19 1.31 1.67 1.45 1.65 1.59 1.38 1.48 1.24 1.27 1.54
Price to Earnings (P/E)		 3.19 3.91 5.84 5.57 9.21 10.31 10.18 21.59 10.89 23.07 42.02
Dividend Yield		 4.21% 4.21% 3.58% 3.87% 3.58% 3.84% 4.40% 4.11% 4.82% 5.07% 4.54%
Earnings Yield		 31.32% 25.55% 17.14% 17.96% 10.86% 9.70% 9.83% 4.63% 9.18% 4.34% 2.38%
Enterprise Value to Invested Capital (EV/IC)		 0.92 0.94 0.94 0.94 0.94 0.94 0.91 0.93 0.93 0.93 0.94
Enterprise Value to Revenue (EV/Rev)		 36.93 41.58 44.98 42.50 44.80 43.92 42.94 42.53 41.36 46.00 49.95
Enterprise Value to EBITDA (EV/EBITDA)		 75.83 86.32 107.36 102.05 176.27 203.32 230.56 189.58 148.88 208.73 239.43
Enterprise Value to EBIT (EV/EBIT)		 77.57 88.53 110.68 103.85 181.90 211.23 241.59 440.66 273.80 579.80 910.76
Enterprise Value to NOPAT (EV/NOPAT)		 99.46 124.40 157.01 162.82 249.71 285.72 315.58 619.15 363.68 838.64 1,366.14
Enterprise Value to Operating Cash Flow (EV/OCF)		 210.32 111.49 117.08 102.58 84.22 76.14 56.54 64.27 103.79 134.95 238.20
Enterprise Value to Free Cash Flow (EV/FCFF)		 6.19 5.26 5.55 5.58 5.86 6.58 5.46 4.96 4.98 6.04 7.75
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 22.47 21.35 21.08 20.56 20.88 19.98 19.24 18.56 18.30 18.43 18.37
Long-Term Debt to Equity		 20.50 19.40 19.43 18.95 19.35 18.38 17.30 16.59 16.35 16.56 16.52
Financial Leverage		 25.76 23.80 22.90 22.01 21.71 20.69 20.19 19.59 19.62 19.23 18.82
Leverage Ratio		 27.11 25.06 24.19 23.34 23.04 22.00 21.53 20.90 20.95 20.54 20.11
Compound Leverage Factor		 21.02 25.06 24.19 23.34 23.04 22.00 21.53 20.90 20.95 20.54 20.11
Debt to Total Capital		 95.74% 95.52% 95.47% 95.36% 95.43% 95.23% 95.06% 94.89% 94.82% 94.85% 94.84%
Short-Term Debt to Total Capital		 8.40% 8.70% 7.48% 7.46% 7.00% 7.63% 9.58% 10.07% 10.07% 9.65% 9.57%
Long-Term Debt to Total Capital		 87.34% 86.82% 87.99% 87.90% 88.43% 87.61% 85.48% 84.82% 84.74% 85.21% 85.27%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 4.26% 4.48% 4.53% 4.64% 4.57% 4.77% 4.94% 5.11% 5.18% 5.15% 5.16%
Debt to EBITDA		 79.07 87.45 109.14 103.42 178.41 207.02 241.42 193.80 150.99 212.12 242.77
Net Debt to EBITDA		 73.39 83.61 103.37 98.56 169.77 195.98 223.13 182.97 144.42 202.99 232.06
Long-Term Debt to EBITDA		 72.13 79.48 100.59 95.32 165.33 190.44 217.10 173.24 134.95 190.54 218.27
Debt to NOPAT		 103.71 126.03 159.62 165.01 252.75 290.92 330.44 632.91 368.84 852.27 1,385.21
Net Debt to NOPAT		 96.26 120.49 151.18 157.25 240.50 275.41 305.41 597.56 352.79 815.57 1,324.12
Long-Term Debt to NOPAT		 94.61 114.55 147.12 152.10 234.22 267.62 297.16 565.76 329.65 765.57 1,245.44
Noncontrolling Interest Sharing Ratio		 0.20% 0.10% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 9,818 11,469 10,636 10,260 9,459 8,131 9,121 9,771 9,453 7,722 5,972
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 12.26 13.70 11.57 11.67 10.26 9.29 10.82 11.80 13.00 11.49 9.19
Operating Cash Flow to Interest Expense		 0.26 0.17 0.11 0.14 0.34 0.21 0.33 -0.01 0.01 0.11 0.19
Operating Cash Flow Less CapEx to Interest Expense		 0.26 0.17 0.11 0.14 0.34 0.21 0.33 -0.01 0.01 0.11 0.19
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 69,873 66,099 64,704 62,467 60,388 58,041 55,619 52,694 50,959 50,316 49,661
Invested Capital Turnover		 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02
Increase / (Decrease) in Invested Capital		 -9,713 -11,358 -10,570 -10,181 -9,485 -8,058 -9,085 -9,773 -9,429 -7,725 -5,958
Enterprise Value (EV)		 64,149 62,324 60,764 58,778 56,935 54,286 50,493 48,913 47,642 46,964 46,449
Market Capitalization		 2,060 1,961 2,258 2,010 2,100 1,959 1,628 1,706 1,427 1,292 1,429
Book Value per Share		 $21.95 $22.94 $23.17 $23.83 $23.48 $24.48 $24.57 $24.62 $24.60 $25.31 $25.30
Tangible Book Value per Share		 $16.75 $17.49 $17.63 $18.10 $17.56 $18.35 $18.40 $20.62 $20.53 $21.04 $21.00
Total Capital		 69,873 66,099 64,704 62,467 60,388 58,041 55,619 52,694 50,959 50,316 49,661
Total Debt		 66,896 63,141 61,774 59,569 57,628 55,275 52,871 50,000 48,318 47,727 47,097
Total Long-Term Debt		 61,026 57,388 56,936 54,907 53,402 50,848 47,545 44,695 43,184 42,872 42,345
Net Debt		 62,089 60,363 58,506 56,768 54,835 52,327 48,865 47,207 46,215 45,672 45,020
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 2.10 0.00 0.00 0.00 0.00 -1.50 0.00
Net Nonoperating Obligations (NNO)		 66,896 63,141 61,774 59,569 57,628 55,275 52,871 50,000 48,318 47,727 47,097
Total Depreciation and Amortization (D&A)		 2.00 3.00 2.00 3.00 2.00 3.00 2.00 140 1.00 1.00 1.00
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.87 $0.87 $0.53 $0.66 ($0.19) $0.65 $0.32 ($0.02) $0.25 ($0.02) $0.14
Adjusted Weighted Average Basic Shares Outstanding		 142M 129M 124M 120M 122M 113M 111M 108M 109M 102M 100M
Adjusted Diluted Earnings per Share		 $0.85 $0.86 $0.52 $0.65 ($0.18) $0.64 $0.32 ($0.02) $0.24 ($0.02) $0.13
Adjusted Weighted Average Diluted Shares Outstanding		 144M 130M 125M 121M 123M 114M 112M 108M 111M 102M 101M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 128.94M 126.46M 121.60M 117.57M 112.75M 111.82M 109.41M 107.36M 102.28M 101.33M 99.43M
Normalized Net Operating Profit after Tax (NOPAT)		 116 114 76 82 -25 74 48 21 28 -1.40 14
Normalized NOPAT Margin		 34.96% 35.43% 24.86% 19.40% -11.14% 25.72% 19.43% 5.30% 12.47% -0.90% 8.97%
Pre Tax Income Margin		 34.34% 44.72% 31.27% 26.07% -16.82% 30.66% 19.43% 3.03% 11.71% -3.21% 11.54%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.18 0.17 0.10 0.13 -0.04 0.10 0.06 0.01 0.04 -0.01 0.03
NOPAT to Interest Expense		 0.13 0.13 0.07 0.09 -0.03 0.08 0.04 0.00 0.03 -0.01 0.02
EBIT Less CapEx to Interest Expense		 0.18 0.17 0.10 0.13 -0.04 0.10 0.06 0.01 0.04 -0.01 0.03
NOPAT Less CapEx to Interest Expense		 0.13 0.13 0.07 0.09 -0.03 0.08 0.04 0.00 0.03 -0.01 0.02
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 14.11% 17.56% 21.71% 22.44% 34.21% 39.47% 45.63% 91.14% 53.44% 121.43% 197.06%
Augmented Payout Ratio		 76.12% 91.42% 110.85% 112.47% 170.18% 180.53% 186.88% 324.05% 190.08% 426.79% 658.82%

Key Financial Trends

Navient Corp (NASDAQ: NAVI) has delivered a mix of financial results in the last four years through Q2 2025, reflecting fluctuations in net income, operational cash flows, and changes in balance sheet composition. Below is an analysis of key trends and notable data points from the company’s quarterly financial statements over this period.

  • Net Income Recovery in 2025: After posting losses in Q1 2025 (-$2M), Navient reversed course with a positive net income of $14M in Q2 2025, showing operational improvement in the near term.
  • Strong Operating Cash Flow: The company generated robust net cash from continuing operating activities, increasing from $71M in Q1 2025 to $126M in Q2 2025, underlining better core business cash generation.
  • Consistent Dividend Payout: Cash dividends remained stable at $0.16 per share throughout the periods analyzed, indicating a commitment to shareholder returns even amid earnings volatility.
  • Substantial Sale/Maturity of Investments: Large inflows from sale or maturity of investments, e.g., $2.4B in Q2 2025, have supported investing activities and liquidity management.
  • Reduction in Debt Levels: Significant repayments of debt occurred, with $797M repaid in Q2 2025 and $1.27B in Q1 2025, signaling a strategic focus on improving the balance sheet.
  • Stable Common Equity: Total common equity saw mild fluctuations but generally remained in the range of $2.5 billion to $2.9 billion during 2024-2025, providing a stable equity base.
  • Intangible Assets Steady: Intangible assets hovered around $400M to $700M, suggesting no major impairments or acquisitions impacting goodwill or other intangibles.
  • Provision for Loan Losses Volatility: Provision for loan losses varied, from $11M in Q2 2022 to $55M in Q4 2023 and $37M in Q2 2025, reflecting varying credit conditions and potential risks.
  • Net Interest Margin Pressure: Net interest income decreased from highs over $200M in 2022 and 2023 to around $128M in Q2 2025, while interest expense remains high, suggesting some margin compression.
  • Operating Expense Growth: Salaries, employee benefits, and other operating expenses increased sharply in some quarters—for example, total non-interest expense was $342M in Q3 2024 compared to $101M in Q2 2025—indicating operational cost pressures.

Summary: Navient Corp has shown resilience with improving net income and strong operating cash flow in recent quarters. The company has actively managed its debt, lowering leverage, and maintained a consistent dividend payout. However, persistent fluctuations in loan loss provisions, pressure on net interest income, and elevated operating expenses highlight ongoing challenges in cost control and credit risk management. Investors should watch future quarters for sustained earnings growth and expense management to gauge NAVI's ongoing financial health.

08/14/25 11:28 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Navient Co. SR NT 6% 121543's Financials

When does Navient Co. SR NT 6% 121543's financial year end?

According to the most recent income statement we have on file, Navient Co. SR NT 6% 121543's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Navient Co. SR NT 6% 121543's net income changed over the last 10 years?

Navient Co. SR NT 6% 121543's net income appears to be on a downward trend, with a most recent value of $131 million in 2024, falling from $1.14 billion in 2014. The previous period was $228 million in 2023.

How has Navient Co. SR NT 6% 121543's revenue changed over the last 10 years?

Over the last 10 years, Navient Co. SR NT 6% 121543's total revenue changed from $3.57 billion in 2014 to $1.15 billion in 2024, a change of -67.8%.

How much debt does Navient Co. SR NT 6% 121543 have?

Navient Co. SR NT 6% 121543's total liabilities were at $49.15 billion at the end of 2024, a 16.2% decrease from 2023, and a 65.4% decrease since 2014.

How much cash does Navient Co. SR NT 6% 121543 have?

In the past 10 years, Navient Co. SR NT 6% 121543's cash and equivalents has ranged from $722 million in 2024 to $1.59 billion in 2015, and is currently $722 million as of their latest financial filing in 2024.

How has Navient Co. SR NT 6% 121543's book value per share changed over the last 10 years?

Over the last 10 years, Navient Co. SR NT 6% 121543's book value per share changed from 10.23 in 2014 to 24.60 in 2024, a change of 140.4%.


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This page (NASDAQ:JSM) was last updated on 8/14/2025 by MarketBeat.com Staff
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