{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-014217","form_type":"8-K","ticker":"NAVI","cik":"0001593538","company_name":"NAVIENT CORP","filed_at":"2023-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.751015+00:00","generated_at":"2026-06-20T10:51:01.107844+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Navient Q4 GAAP net income $105M ($0.78 EPS); adjusted EPS $0.85, full-year EPS $4.49","bullets":["GAAP net income of $105M ($0.78 diluted EPS); Adjusted Core EPS $0.85; Core EPS $0.76.","Full-year 2022 GAAP net income $645M ($4.49 diluted EPS); Adjusted Core EPS $3.43.","Federal Education Loans net income $97M; Consumer Lending net income $84M, originations $169M; Business Processing EBITDA $8M.","Repurchased $85M of common shares; $600M repurchase authority remains; paid $21M dividends.","Adjusted Core Earnings expenses $185M; restructuring expenses $12M, regulatory expenses $2M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-014217","json":"https://secwatch.observer/filing/0001193125-23-014217.json","markdown":"https://secwatch.observer/filing/0001193125-23-014217.md","text":"https://secwatch.observer/filing/0001193125-23-014217.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1593538/000119312523014217/0001193125-23-014217-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1593538/000119312523014217/d404855d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T10:51:01.107844+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"fca5373638fe643f9de960ae830745beed4037ff","claim":"NAVIENT CORP reported the quarter ended December 31, 2022 results: net income $105 million, EPS $0.78 diluted earnings per share.","evidence_excerpt":"FOURTH QUARTER – OVERALL RESULTS • GAAP net income of $105 million ($0.78 diluted earnings per share).","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1593538/000119312523014217/0001193125-23-014217-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$105 million"},{"label":"EPS","value":"$0.78 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"fd390917fce656824d345b7ea2143a4f600ad563","claim":"NAVIENT CORP reported the fiscal year ended December 31, 2022 results: net income $645 million, EPS $4.49 diluted earnings per share.","evidence_excerpt":"FULL YEAR RESULTS • GAAP net income of $645 million ($4.49 diluted earnings per share).","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1593538/000119312523014217/0001193125-23-014217-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ended December 31, 2022"},{"label":"Net income","value":"$645 million"},{"label":"EPS","value":"$4.49 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}