Filing Flows › Financials › Navient (NAVI)
Navient (NAVI) earnings and revenue breakdown
Latest: Q4 2024 · 10-K filed Feb 27, 2025
Q4 2024 Revenue up 0% year over year to $223M · 11¢ of every $1 of revenue kept as net profit · operating margin 11.7%
Navient made $223M in Q4 2024 (+0.5% Y/Y). Operating margin 11.7%, net earnings $24.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-K filed Feb 27, 2025.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $223.0M in Q4 2024, roughly flat year over year and down 44% from the previous quarter.
Operating profit was $26.0M, a 11.7% margin (up 27.9 points year over year). Total costs fell 24% while revenue was flat. Net earnings were $24.0M. The effective tax rate was 7.7%.
Operating cash flow was $8.0M (down 97% year over year), 33% of net earnings. Non-cash charges added back $6.0M of share-based compensation. Working capital and other items used $22.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q4 2024 | 10-K | Feb 27, 2025 | $223M | +0.5% | 11.7% | $24.0M | $8.0M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
Customers and suppliers named in filings
Sells to
- U.S. government · Stated in 10-K (XBRL) · source
About Navient
Navient (Nasdaq: NAVI) creates long-term value for customers and investors with responsible lending, flexible refinancing, trusted servicing oversight, and decades of education finance and portfolio management expertise. Through our Earnest business, we help customers confidently achieve financial success through digital financial services. Our employees thrive in a culture of belonging, where they are supported and proud to deliver meaningful outcomes. Learn more on Navient.com .
In its own words, from its 8-K, filed Aug 6, 2026.
Navient against its Security Brokers, Dealers & Flotation Companies peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +0.5% against the peers' median +13%. Operating margin: 11.7% against the peers' median 18.2%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| Navient | Q4 2024 | $223M | +0.5% | 11.7% |
| MS Morgan Stanley | Q3 2026 | $20.3B | +12% | 31.9% |
| GS Goldman Sachs Group | Q3 2026 | $18.7B | +23% | 37.5% |
| GLXY Galaxy Digital | Q3 2026 | $8.1B | -72% | 4.3% |
| BLK BlackRock | Q3 2026 | $7.8B | +19% | 30.0% |
| SCHW Schwab Charles | Q3 2026 | $7.2B | +17% | 52.7% |
| Jones Financial Companies Lllp | Q3 2026 | $5.2B | +13% | 0.0% |
| RJF Raymond James Financial | Q4 FY26 | $4.7B | +13% | 18.2% |
| JEF Jefferies Financial Group | Q3 FY26 | $3.2B | +11% | 10.9% |
Source: Navient 10-K on SEC EDGAR · CIK 1593538 · Security Brokers, Dealers & Flotation Companies