Financials Navient Corporation

Equities

Market Closed - Nasdaq Other stock markets 04:00:00 2025-02-14 pm EST			5-day change	1st Jan Change
13.89 ^USD	+2.13%		+2.66%	+4.51%

Jan. 30	Deutsche Bank Adjusts Navient Price Target to $13 From $16, Maintains Hold Rating	MT
Jan. 29	Tranche Update on Navient Corporation's Equity Buyback Plan announced on December 13, 2021.	CI

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	1,216	1,261	1,148	1,026	946	573	580.6	587.3
Change	-	3.7%	-8.96%	-10.63%	-7.8%	-39.43%	1.33%	1.16%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	1,021	974	931	659	519	400	230.8	341.2
Change	-	-4.6%	-4.41%	-29.22%	-21.24%	-22.93%	-42.29%	47.83%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	763	-	936	827	313	174	126.4	197
Change	-	-100%	-	-11.65%	-62.15%	-44.41%	-27.36%	55.85%
Net income ¹	597	412	717	645	228	131	96.8	151
Change	-	-30.99%	74.03%	-10.04%	-64.65%	-42.54%	-26.11%	55.99%
Announcement Date	1/21/20	1/26/21	1/25/22	1/24/23	1/31/24	1/29/25	-	-

¹USD in Million

Estimates

Fiscal Period: December	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3
Net sales ¹	310	297	329	321	314	295	282	299	272	276	271	247	232	253	221	280	193	163	136	140	134	139	141.3	147.7	149.7	161	163	161
Change	-	-4.19%	10.77%	-2.43%	-2.18%	-6.05%	-4.41%	6.03%	-9.03%	1.47%	-1.81%	-8.86%	-6.07%	9.05%	-12.65%	26.7%	-31.07%	-15.54%	-16.56%	2.94%	-4.29%	3.73%	1.68%	4.48%	1.35%	7.57%	1.24%	-1.23%
EBITDA	-	4	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-100%	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	270	-	-	-	-	-	-	-	31	348	215	-	132	160	142	152	87	83	73	268	12	36.22	40.9	31.79	52.8	-	-	-
Change	-	-100%	-	-	-	-	-	-	-	1,022.58%	-38.22%	-100%	-	21.21%	-11.25%	7.04%	-42.76%	-4.6%	-12.05%	267.12%	-95.52%	201.81%	12.92%	-22.26%	66.07%	-100%	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	220	-131	170	259	235	484	240	220	-8	332	244	137	113	144	96	110	-37	88	48	12	26	-45	52	50	78	-19	81	65
Change	-	-	-	52.35%	-9.27%	105.96%	-50.41%	-8.33%	-	-	-26.51%	-43.85%	-17.52%	27.43%	-33.33%	14.58%	-	-	-45.45%	-75%	116.67%	-	-	-3.85%	56%	-	-	-19.75%
Net income ¹	171	-106	125	207	186	370	185	173	-11	255	180	105	105	111	66	79	-28	73	36	-2	24	-6.942	33.32	22.14	60	-14	62	49
Change	-	-	-	65.6%	-10.14%	98.92%	-50%	-6.49%	-	-	-29.41%	-41.67%	0%	5.71%	-40.54%	19.7%	-	-	-50.68%	-	7.39%	-	-	-33.55%	170.99%	-	-	-20.97%
Announcement Date	1/21/20	4/21/20	7/21/20	10/20/20	1/26/21	4/27/21	7/27/21	10/26/21	1/25/22	4/26/22	7/26/22	10/25/22	1/24/23	4/26/23	7/26/23	10/25/23	1/31/24	4/24/24	7/24/24	10/30/24	1/29/25	-	-	-	-	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt ¹	88,965	80,123	73,133	61,922	54,689	46,072	42,625	40,746
Change	-	-9.94%	-8.72%	-15.33%	-11.68%	-15.76%	-6.08%	-4.41%
Announcement Date	1/21/20	1/26/21	1/25/22	1/24/23	1/31/24	1/29/25	-	-

¹USD in Million

Estimates

Fiscal Period:

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-
EBIT Margin (%)	83.96%	77.24%	81.1%	64.23%	54.86%	69.81%	39.76%	58.1%
EBT Margin (%)	62.75%	-	81.53%	80.6%	33.09%	30.37%	21.77%	33.54%
Net margin (%)	49.1%	32.67%	62.46%	62.87%	24.1%	22.86%	16.67%	25.71%
FCF margin (%)	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-
Profitability
ROA	0.64%	0.71%	0.68%	0.62%	0.48%	0.41%	0.22%	0.28%
ROE	17.42%	17%	27%	16.43%	10.56%	8.18%	4.13%	4.95%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	4.202	4.887	1.57	2.118	-	-	-	-
Change	-	16.31%	-67.88%	34.93%	-	-	-	-
Dividend per Share ¹	0.64	0.64	0.64	0.64	0.64	0.64	0.64	0.64
Change	-	0%	0%	0%	0%	0%	0%	0%
Book Value Per Share ¹	15.52	13.06	16.89	22.9	24.32	25.64	26.51	27.82
Change	-	-15.83%	29.33%	35.58%	6.18%	5.45%	4.89%	4.93%
EPS ¹	2.56	2.12	4.18	4.49	1.85	1.18	1.015	1.593
Change	-	-17.19%	97.17%	7.42%	-58.8%	-36.22%	-14.43%	57.02%
Nbr of stocks (in thousands)	221,037	186,280	161,172	135,614	117,571	103,000	103,000	103,000
Announcement Date	1/21/20	1/26/21	1/25/22	1/24/23	1/31/24	1/29/25	-	-