NAVIENT CORP
Navient Corporation (NASDAQ: NAVI) operates as a specialized financial services company focused on education lending and loan portfolio management. The company maintains its primary web presence at navient.com and serves customers through a streamlined business model centered on two core segments following recent… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What NAVIENT CORP does
In the company’s own words
Navient Corporation (NASDAQ: NAVI) operates as a specialized financial services company focused on education lending and loan portfolio management. The company maintains its primary web presence at navient.com and serves customers through a streamlined business model centered on two core segments following recent strategic divestitures.
The Consumer Lending segment represents Navient's growth engine, encompassing a portfolio of $15.5 billion in private education loans managed through the Earnest brand. This division originates both in-school and refinanced private education loans for undergraduate and graduate borrowers, leveraging digital financial services capabilities to deliver flexible lending solutions. The segment generated $2.5 billion in loan originations during the most recent fiscal year, reflecting significant expansion in the company's origination business.
The Federal Education Loans segment manages a portfolio of $28.1 billion in Federal Family Education Loan Program loans, which are federally guaranteed and insured by state or not-for-profit agencies. This segment generates revenue primarily through net interest income and represents a wind-down business as the FFELP program was discontinued in 2010.
Navient previously operated a Business Processing segment providing omnichannel contact center services, workflow processing, and revenue cycle optimization. The company completed the divestiture of this segment through the sale of its healthcare services business in September 2024 and its government services business in February 2025, marking a strategic shift toward focus on education lending.
As of December 31, 2025, Navient employed approximately 670 employees. The company maintains a strong balance sheet with total assets of $48.7 billion and total borrowings of $45.7 billion, with approximately 67 percent of private education loans and 87 percent of FFELP loans funded through non-recourse, long-term securitization debt. The company's business model emphasizes maximizing cash flows from education loan portfolios while maintaining capital adequacy and returning capital to shareholders through dividends and share repurchases.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- HERNDON, VA
- Fiscal year end
- December
- CIK
- 1593538
- SIC
- 6211
Financial performance, year by year
Fiscal 2014–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns NAVIENT CORP — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · NAVIENT CORP’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
NAVIENT CORP’s bonds, as funds hold them
Funds report holding 10 issues of NAVIENT CORP’s debt, $2.26B at market value — what funds hold, not the company’s total debt. Weighted-average coupon 7.06%, maturing 2026 to 2043.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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