Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | $359M | $391M | $388M | $507M | $332M | $321M | $271M | — |
| Revenue growth | — | — | — | 8.9% | -0.8% | 30.7% | -34.5% | -3.3% | -15.6% | — |
| Net income | $681M | $292M | $395M | $597M | $412M | $717M | $645M | $228M | $131M | -$80.0M |
| Net margin | — | — | 110.0% | 152.7% | 106.2% | 141.4% | 194.3% | 71.0% | 48.3% | — |
| EPS (diluted) | $2.12 | $1.04 | $1.49 | $2.56 | $2.12 | $4.18 | $4.49 | $1.85 | $1.18 | -$0.81 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $1.35B | $1.16B | $1.14B | $1.02B | $987M | $702M | $305M | $676M | $459M | $441M |
| Share buybacks | $755M | $440M | $220M | $440M | $400M | $600M | $400M | $310M | $179M | $111M |
| Dividends paid | $201M | $176M | $166M | $147M | $123M | $107M | $91.0M | $78.0M | $70.0M | $63.0M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $1.25B | $1.52B | $1.29B | $1.23B | $1.18B | $905M | $1.53B | $839M | $722M | $637M |
| Total assets | $121B | $115B | $104B | $94.9B | $87.4B | $80.6B | $70.8B | $61.4B | $51.8B | $48.7B |
| Total liabilities | $117B | $112B | $101B | $91.6B | $85.0B | $78.0B | $67.8B | $58.6B | $49.1B | $46.3B |
| Long-term debt | $112B | $105B | $93.5B | $81.7B | $77.3B | $74.5B | $61.0B | $53.4B | $43.2B | $40.6B |
| Shareholders' equity | $3.70B | $3.45B | $3.52B | $3.34B | $2.43B | $2.60B | $2.98B | $2.76B | $2.64B | $2.40B |
| Retained earnings | $2.89B | $3.00B | $3.22B | $3.66B | $3.33B | $3.94B | $4.49B | $4.64B | $4.70B | $4.55B |
| Shares (wtd avg diluted) | 322M | 281M | 264M | 233M | 195M | 172M | 144M | 123M | 111M | 99.0M |
Every figure is extracted from NAVIENT CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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