Navient Corp
NAVI
ISIN null / Valor 24150322
Navient Corp
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About company
Navient Corp, originally known as the Student Loan Marketing Association or "Sallie Mae," was established as a Government-Sponsored Enterprise (GSE) to facilitate the student loan program initiated by the Higher Education Act of 1965. The company has evolved from its initial role to become a major player in the servicing and management of student loans in the United States. Navient specializes in the administration and collection of student loans, offering a range of services to assist borrowers with loan repayment strategies, including loan consolidation, refinancing, and customized payment plans tailored to individual financial situations. Over the years, Navient has expanded its portfolio to include asset management and business processing solutions, catering to both government and private sector clients. Despite its diversification, the core of Navient's business remains focused on navigating the complexities of student loan servicing and providing support to borrowers aiming to manage and repay their educational debts.
Summarized from source with an LLMView SourceSector: FinanceLatest Results (13.10.2025):
Navient Corp reported its second-quarter 2025 financial results, showcasing a GAAP net income of $14 million and core earnings of $21 million. The company experienced increased loan originations and demonstrated significant progress towards its expense reduction targets, despite a challenging macroeconomic environment and higher loan delinquencies.
Provision for Loan Losses
Navient recorded a provision for loan losses of $37 million in the second quarter of 2025, up from $8 million in the same quarter last year. This increase was driven by higher originations, a weaker economic outlook, and elevated delinquency rates.
Loan Origination Growth
The company saw robust loan origination growth with over $1 billion originated so far in 2025, nearly doubling the first half of the previous year. This surge highlights Navient's strong momentum in expanding its loan portfolio.
Net Interest Income
Federal segment net interest income rose to $55 million in 2Q25 from $33 million in 2Q24, while the Consumer Lending segment achieved a net interest margin of 2.32%, reflecting effective management of the loan portfolio.
Segment Performance
The Federal segment reported a net income of $30 million, and the Consumer segment achieved a net income of $26 million. Additionally, Navient originated $500 million in Private Education Loans, significantly up from $278 million in the previous year.
Expense Management
Operating expenses were reported at $100 million, including $13 million related to transition services for strategic initiatives. The company remains on track to achieve its expense reduction goals, contributing to overall cost neutrality.
Capital and Funding
Navient maintained a GAAP equity-to-asset ratio of 5.1% and an adjusted tangible equity ratio of 9.8%. The company repurchased $24 million of common shares and issued $500 million in unsecured debt alongside $536 million in asset-backed securities.
Summarized from source with an LLMView SourceKey figures
Performance
Volatility
1157 M
Market cap (USD)
1,166,469
Daily traded volume (Shares)
13.12 / 12.78
1 day high/low (USD)
52 weeks high/low (USD)
Dividend ex-date
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Ratings & reviews
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