{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-014535","form_type":"8-K","ticker":"NAVI","cik":"0001593538","company_name":"NAVIENT CORP","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.108480+00:00","generated_at":"2026-05-27T06:54:47.351928+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Navient Q4 GAAP EPS $0.22, core EPS -$0.24 on $68M pre-tax charges; full-year core EPS $2.00","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-014535","json":"https://secwatch.observer/filing/0001193125-25-014535.json","markdown":"https://secwatch.observer/filing/0001193125-25-014535.md","text":"https://secwatch.observer/filing/0001193125-25-014535.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1593538/000119312525014535/0001193125-25-014535-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1593538/000119312525014535/d908755d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T06:54:47.351928+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}