---
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"
generated_at: "2026-05-27T06:54:47.351928+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-014535
- JSON: https://secwatch.observer/filing/0001193125-25-014535.json
- Plain text: https://secwatch.observer/filing/0001193125-25-014535.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.