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AI brief of an SEC Form 8-K · Navient (NAVI)

Navient Q2 net income falls to $14 million, $0.13 per share from $36 million

Mixed Impact 3 of 5 earnings Written later

Navient reported second-quarter 2025 results on July 30, 2025, furnished in an 8-K. GAAP net income was $14 million, or $0.13 per diluted share, down from $36 million, or $0.32, a year earlier, though up from a $2 million net loss in the first quarter. Core Earnings were $21 million, or $0.20 per diluted share, compared with $33 million, or $0.29, a year earlier.

Key points

  • GAAP net income $14 million ($0.13 diluted EPS) vs. $36 million ($0.32) in Q2 2024; Q1 2025 was a $2 million net loss
  • Core Earnings $21 million ($0.20 diluted EPS) vs. $33 million ($0.29) in Q2 2024
  • Provision for loan losses rose to $37 million from $14 million a year earlier, citing higher delinquencies and a weaker macroeconomic outlook
  • Repurchased $24 million of common shares in the quarter; $52 million of repurchase authority remains

The filing

CompanyNavient (NAVI)
Form8-K, current report
Filed with the SECJul 29, 2025, 5:58 PM ET
Accession number0001193125-25-168188

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:59 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 29, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.