Navient Q4 GAAP EPS $0.22, core EPS -$0.24 on $68M pre-tax charges; full-year core EPS $2.00

NAVIENT CORP

2024-FY EPS reported $1.18 revenue$271,000,000

GAAP net income $24M ($0.22 diluted EPS); Core earnings loss $25M ($0.24 diluted loss per share).
Pre-tax results include $68M reduction: $28M loss on government services held-for-sale, $32M private education loan provision, $8M regulatory/restructuring costs.
Full year 2024 GAAP net income $131M ($1.18 EPS); Core earnings $221M ($2.00 EPS).
Consumer lending originated $363M in Private Education Loans; refi originations up 60% YoY.
Repurchased $65M shares, retired $500M unsecured debt; $111M repurchase authority remains.

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