Revenue: As of FY2025 Q3, the actual value is USD 800 M.

EPS: As of FY2025 Q3, the actual value is USD -0.87.

EBIT: As of FY2025 Q3, the actual value is USD -259 M.

Federal Education Loans Segment

• Net Income: $35 million in Q3 2025, up from $27 million in Q3 2024, a 30% increase.
• Net Interest Margin: 0.84% in Q3 2025, compared to 0.46% in Q3 2024.
• Provision for Loan Losses: Increased by $18 million to $13 million in Q3 2025, primarily due to elevated delinquency balances and macroeconomic outlook.
• Net Charge-offs: Unchanged at $9 million.
• Delinquencies: Greater than 90 days delinquencies were $2.5 billion compared to $1.9 billion in Q3 2024.

Consumer Lending Segment

• Net Loss: $76 million in Q3 2025, compared to net income of $27 million in Q3 2024.
• Net Interest Margin: 2.39% in Q3 2025, down from 2.84% in Q3 2024.
• Provision for Loan Losses: Increased by $108 million to $155 million in Q3 2025, due to elevated delinquency balances and macroeconomic outlook.
• Loan Originations: $788 million of Private Education Loans originated in Q3 2025, a 58% increase from $500 million in Q3 2024.

Business Processing Segment

• Revenue: No revenue in Q3 2025 due to the sale of the government services business in February 2025.

Other Segment

• Net Loss: $42 million in Q3 2025, compared to $72 million in Q3 2024, a 42% decrease.

Outlook and Strategy

• Core Business Focus: Navient is focusing on enhancing the value of its growth business related to in-school and refinance Private Education Loan originations, with a significant increase in loan originations in 2025.
• Non-Core Business: The company completed the divestiture of its Business Processing segment, including healthcare and government services, to streamline operations and reduce costs.
• Strategic Actions: Navient has implemented cost-saving initiatives and reshaped its corporate footprint to align with a more focused business model.