{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-254009","form_type":"8-K","ticker":"NAVI","cik":"0001593538","company_name":"NAVIENT CORP","filed_at":"2025-10-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.862272+00:00","generated_at":"2026-05-17T01:39:28.972417+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Navient reports Q3 2025 GAAP net loss of $86M ($0.87/share); new $100M buyback authorized","bullets":["GAAP net loss of $86M ($0.87 diluted EPS); core earnings net loss of $83M ($0.84).","$168M provision for loan losses; $151M driven by elevated delinquencies and macro outlook.","Private education loan originations $788M, up 58% YoY; net interest margin 2.39%.","Repurchased $26M of shares; authorized new $100M buyback program; paid $16M in dividends.","Operating expenses $105M; issued $543M of asset-backed securities."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-254009","json":"https://secwatch.observer/filing/0001193125-25-254009.json","markdown":"https://secwatch.observer/filing/0001193125-25-254009.md","text":"https://secwatch.observer/filing/0001193125-25-254009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1593538/000119312525254009/0001193125-25-254009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1593538/000119312525254009/d48280d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:39:28.972417+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"}