Navient Corp (NAVI) - Net Assets
Based on the latest financial reports, Navient Corp (NAVI) has net assets worth $2.40 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($48.68 Billion) and total liabilities ($46.28 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Navient Corp asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.40 Billion |
| % of Total Assets | 4.93% |
| Annual Growth Rate | 1.56% |
| 5-Year Change | -8.01% |
| 10-Year Change | -35.56% |
| Growth Volatility | 90.83 |
Navient Corp - Net Assets Trend (2000–2025)
This chart illustrates how Navient Corp's net assets have evolved over time, based on quarterly financial data. Also explore NAVI asset base for the complete picture of this company's asset base.
Annual Net Assets for Navient Corp (2000–2025)
The table below shows the annual net assets of Navient Corp from 2000 to 2025. For live valuation and market cap data, see NAVI market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.40 Billion | -9.16% |
| 2024-12-31 | $2.64 Billion | -4.31% |
| 2023-12-31 | $2.76 Billion | -7.29% |
| 2022-12-31 | $2.98 Billion | +14.15% |
| 2021-12-31 | $2.61 Billion | +6.58% |
| 2020-12-31 | $2.45 Billion | -26.93% |
| 2019-12-31 | $3.35 Billion | -5.58% |
| 2018-12-31 | $3.55 Billion | +1.78% |
| 2017-12-31 | $3.48 Billion | -6.39% |
| 2016-12-31 | $3.72 Billion | -5.34% |
| 2015-12-31 | $3.93 Billion | -6.31% |
| 2014-12-31 | $4.20 Billion | -25.59% |
| 2013-12-31 | $5.64 Billion | -80.45% |
| 2012-12-31 | $28.86 Billion | +449.59% |
| 2011-12-31 | $5.25 Billion | +4.78% |
| 2010-12-31 | $5.01 Billion | -5.06% |
| 2009-12-31 | $5.28 Billion | +5.44% |
| 2008-12-31 | $5.01 Billion | -4.37% |
| 2007-12-31 | $5.23 Billion | +19.81% |
| 2006-12-31 | $4.37 Billion | +14.96% |
| 2005-12-31 | $3.80 Billion | +19.74% |
| 2004-12-31 | $3.17 Billion | +20.68% |
| 2003-12-31 | $2.63 Billion | +31.64% |
| 2002-12-31 | $2.00 Billion | +19.46% |
| 2001-12-31 | $1.67 Billion | +2.65% |
| 2000-12-31 | $1.63 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Navient Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 151.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $4.55 Billion | 189.75% |
| Common Stock | $4.00 Million | 0.17% |
| Other Comprehensive Income | $2.00 Million | 0.08% |
| Total Equity | $2.40 Billion | 100.00% |
Navient Corp Competitors by Market Cap
The table below lists competitors of Navient Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
General Interface Solution GIS Holding Ltd
TW:6456
|
$819.91 Million |
|
Fujian MinDong Electric Power Co Ltd
SHE:000993
|
$820.24 Million |
|
Kalvista Pharmaceuticals Inc
NASDAQ:KALV
|
$820.37 Million |
|
HMT Limited
NSE:HMT
|
$820.50 Million |
|
Zhejiang Yasha Decoration Co Ltd
SHE:002375
|
$819.63 Million |
|
Auto Partner SA
WAR:APR
|
$819.63 Million |
|
Oxford Lane Capital Corp
NASDAQ:OXLC
|
$819.60 Million |
|
Anhui Tongfeng Electronics Co Ltd
SHG:600237
|
$819.55 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Navient Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,641,000,000 to 2,399,000,000, a change of -242,000,000 (-9.2%).
- Net loss of 80,000,000 reduced equity.
- Dividend payments of 63,000,000 reduced retained earnings.
- Share repurchases of 111,000,000 reduced equity.
- Other comprehensive income decreased equity by 1,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-80.00 Million | -3.33% |
| Dividends Paid | $63.00 Million | -2.63% |
| Share Repurchases | $111.00 Million | -4.63% |
| Other Comprehensive Income | $-1.00 Million | -0.04% |
| Other Changes | $13.00 Million | +0.54% |
| Total Change | $- | -9.16% |
Book Value vs Market Value Analysis
This analysis compares Navient Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.37x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.94x to 0.37x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2010-12-31 | $9.58 | $8.98 | x |
| 2011-12-31 | $10.04 | $8.98 | x |
| 2012-12-31 | $10.48 | $8.98 | x |
| 2013-12-31 | $12.55 | $8.98 | x |
| 2014-12-31 | $9.88 | $8.98 | x |
| 2015-12-31 | $10.23 | $8.98 | x |
| 2016-12-31 | $11.49 | $8.98 | x |
| 2017-12-31 | $12.29 | $8.98 | x |
| 2018-12-31 | $13.33 | $8.98 | x |
| 2019-12-31 | $14.32 | $8.98 | x |
| 2020-12-31 | $12.55 | $8.98 | x |
| 2021-12-31 | $15.10 | $8.98 | x |
| 2022-12-31 | $20.67 | $8.98 | x |
| 2023-12-31 | $22.44 | $8.98 | x |
| 2024-12-31 | $23.79 | $8.98 | x |
| 2025-12-31 | $24.23 | $8.98 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Navient Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -3.33%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -2.48%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 20.29x
- Recent ROE (-3.33%) is below the historical average (22.05%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 28.54% | 11.16% | 0.09x | 29.95x | $302.10 Million |
| 2001 | 22.96% | 10.92% | 0.07x | 31.61x | $216.75 Million |
| 2002 | 39.64% | 24.50% | 0.06x | 26.61x | $592.20 Million |
| 2003 | 58.31% | 37.24% | 0.06x | 24.57x | $1.27 Billion |
| 2004 | 60.28% | 35.41% | 0.06x | 26.50x | $1.60 Billion |
| 2005 | 36.37% | 21.21% | 0.07x | 26.14x | $1.00 Billion |
| 2006 | 26.48% | 13.22% | 0.08x | 26.58x | $720.04 Million |
| 2009 | 6.14% | 5.78% | 0.03x | 32.20x | $-203.72 Million |
| 2010 | 10.58% | 8.21% | 0.03x | 40.97x | $29.22 Million |
| 2011 | 12.05% | 11.07% | 0.03x | 36.82x | $107.90 Million |
| 2012 | 18.56% | 28.39% | 0.02x | 35.82x | $433.00 Million |
| 2013 | 25.16% | 22.79% | 0.04x | 28.30x | $854.30 Million |
| 2014 | 27.08% | 20.17% | 0.04x | 34.86x | $717.20 Million |
| 2015 | 25.17% | 19.01% | 0.04x | 34.29x | $593.10 Million |
| 2016 | 18.41% | 13.72% | 0.04x | 32.75x | $311.10 Million |
| 2017 | 8.45% | 5.63% | 0.05x | 33.29x | $-53.40 Million |
| 2018 | 11.22% | 7.06% | 0.05x | 29.60x | $43.10 Million |
| 2019 | 17.90% | 10.89% | 0.06x | 28.45x | $263.40 Million |
| 2020 | 16.84% | 11.03% | 0.04x | 35.72x | $167.30 Million |
| 2021 | 27.61% | 32.43% | 0.03x | 31.04x | $457.30 Million |
| 2022 | 21.67% | 37.13% | 0.02x | 23.78x | $347.30 Million |
| 2023 | 8.26% | 4.71% | 0.08x | 22.24x | $-48.00 Million |
| 2024 | 4.96% | 3.09% | 0.08x | 19.61x | $-133.10 Million |
| 2025 | -3.33% | -2.48% | 0.07x | 20.29x | $-319.90 Million |
Industry Comparison
This section compares Navient Corp's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $4,855,117,685
- Average return on equity (ROE) among peers: 1.87%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Navient Corp (NAVI) | $2.40 Billion | 28.54% | 19.29x | $819.67 Million |
| Affirm Holdings Inc (AFRM) | $2.58 Billion | -17.12% | 0.89x | $16.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $12.20 Million | -10.66% | 38.11x | $1.59 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $13.60 Million | -5.15% | 37.63x | $137.84 Million |
| AIOS Tech Inc. (AIOS) | $31.15 Million | 19.05% | 0.51x | $3.53 Million |
| Ally Financial Inc (ALLY) | $20.04 Billion | 5.97% | 8.10x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $12.71 Million | -51.81% | 56.59x | $198.66 Million |
| Atlanticus Holdings Corporation (ATLC) | $738.20 Million | 13.64% | 0.36x | $958.76 Million |
| American Express Company (AXP) | $22.18 Billion | 36.34% | 7.50x | $219.17 Billion |
| Bread Financial Holdings, Inc. (BFH) | $2.63 Billion | 19.24% | 6.70x | $3.31 Billion |
| Credit Acceptance Corporation (CACC) | $323.85 Million | 9.17% | 1.60x | $5.41 Billion |
About Navient Corp
Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Fede… Read more