---
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"
generated_at: "2026-05-17T01:39:28.972417+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Navient reports Q3 2025 GAAP net loss of $86M ($0.87/share); new $100M buyback authorized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1593538/000119312525254009/0001193125-25-254009-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1593538/000119312525254009/d48280d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-254009
- JSON: https://secwatch.observer/filing/0001193125-25-254009.json
- Plain text: https://secwatch.observer/filing/0001193125-25-254009.txt

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