NAVI FINANCIAL STATEMENTS

Navient Corp — balance sheet, income statement and cash flow trends

NAVINavient Corp

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue3.1 B $-21.5%

Gross Profit916 M $+30.9%

Operating Income538 M $+564.2%

EBITDA532 M $+556.8%

Net Income-60 M $-207.1%

Peer Comparison· Credit Services

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
NAVI	—	—	—	-2.0%
GSY	—	—	—	-15.8%
QNBFK	—	—	—	—
ISFIN	—	—	—	—
GARFA	—	—	—	—
ZIP	—	—	—	8.9%
Industry median	—	—	—	10.0%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity2.4 B $5%
Current Liabilities5 B $10%
Long-term Liabilities40.6 B $85%

Key Figures

YoY change

Total Assets48 B $-5.8%

Total Liabilities45.6 B $-5.7%

Total Equity2.4 B $-8.1%

Cash & ST Investments621 M $-3.3%

Total Debt45.2 B $-5.8%

Net Debt44.6 B $-5.8%

Peer Comparison· Credit Services

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
NAVI	0.75	1,899.2%	83.76	5.0%
GSY	—	599.1%	5.42	13.8%
QNBFK	—	0.0%	—	—
ISFIN	—	0.0%	—	—
GARFA	—	0.0%	—	—
ZIP	788.09	383.4%	11.13	16.7%
Industry median	1.20	116.1%	2.39	16.4%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
NAVI	0.75	1,899.2%	83.76	5.0%
GDOT	0.50	60.1%	-8.34	14.1%
PRAA	2.02	3.2%	-1.09	19.2%
WRLD	0.77	188.4%	12.08	33.3%
RM	6.52	441.8%	12.32	18.1%
ATLC	10.25	923.0%	17.77	9.2%
Industry median	1.20	116.1%	2.39	16.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow323 M $-7.2%

Capital Expenditures0 $—

Free Cash Flow323 M $-7.2%

Dividends Paid-62 M $-191.2%

Peer Comparison· Credit Services

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
NAVI	10.5%	10.5%	0.0%	-538.3%
GSY	26.0%	-1.5%	1.5%	-165.1%
QNBFK	—	—	—	—
ISFIN	—	—	—	—
GARFA	—	—	—	—
ZIP	-0.7%	-0.8%	0.1%	-8.1%
Industry median	21.2%	17.3%	1.5%	126.3%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
NAVI	10.5%	10.5%	0.0%	-538.3%
GDOT	5.7%	2.2%	3.6%	-176.2%
PRAA	-0.6%	-1.0%	0.4%	2.9%
WRLD	44.3%	43.7%	0.7%	749.9%
RM	49.5%	46.9%	2.6%	668.8%
ATLC	63.4%	63.2%	0.2%	587.8%
Industry median	21.2%	17.3%	1.5%	126.3%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.