Navient Past Earnings Performance
Past criteria checks 0/6
Navient's earnings have been declining at an average annual rate of -14.7%, while the Consumer Finance industry saw earnings growing at 8.8% annually. Revenues have been declining at an average rate of 8% per year. Navient's return on equity is 2.9%, and it has net margins of 7.6%.
Key information
-14.7%
Earnings growth rate
-4.1%
EPS growth rate
| Consumer Finance Industry Growth | 4.2% |
| Revenue growth rate | -8.0% |
| Return on equity | 2.9% |
| Net Margin | 7.6% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Navient makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 1,036 | 79 | 358 | 0 |
| 30 Jun 24 | 1,032 | 160 | 386 | 0 |
| 31 Mar 24 | 1,095 | 190 | 397 | 0 |
| 31 Dec 23 | 1,156 | 228 | 401 | 0 |
| 30 Sep 23 | 1,296 | 361 | 409 | 0 |
| 30 Jun 23 | 1,309 | 387 | 416 | 0 |
| 31 Mar 23 | 1,450 | 501 | 429 | 0 |
| 31 Dec 22 | 1,658 | 645 | 444 | 0 |
| 30 Sep 22 | 1,858 | 529 | 473 | 0 |
| 30 Jun 22 | 1,988 | 597 | 508 | 0 |
| 31 Mar 22 | 2,062 | 602 | 540 | 0 |
| 31 Dec 21 | 2,272 | 717 | 569 | 0 |
| 30 Sep 21 | 2,272 | 913 | 568 | 0 |
| 30 Jun 21 | 2,279 | 948 | 548 | 0 |
| 31 Mar 21 | 2,157 | 888 | 522 | 0 |
| 31 Dec 20 | 1,533 | 412 | 497 | 0 |
| 30 Sep 20 | 1,495 | 399 | 478 | 0 |
| 30 Jun 20 | 1,440 | 335 | 476 | 0 |
| 31 Mar 20 | 1,455 | 363 | 484 | 0 |
| 31 Dec 19 | 1,738 | 597 | 488 | 0 |
| 30 Sep 19 | 1,604 | 497 | 499 | 0 |
| 30 Jun 19 | 1,587 | 466 | 501 | 0 |
| 31 Mar 19 | 1,513 | 397 | 501 | 0 |
| 31 Dec 18 | 1,553 | 395 | 507 | 0 |
| 30 Sep 18 | 1,688 | 239 | 518 | 0 |
| 30 Jun 18 | 1,775 | 302 | 525 | 0 |
| 31 Mar 18 | 1,853 | 330 | 523 | 0 |
| 31 Dec 17 | 1,785 | 292 | 519 | 0 |
| 30 Sep 17 | 1,808 | 522 | 502 | 0 |
| 30 Jun 17 | 1,910 | 576 | 497 | 0 |
| 31 Mar 17 | 1,944 | 588 | 498 | 0 |
| 31 Dec 16 | 2,094 | 681 | 500 | 0 |
| 30 Sep 16 | 2,244 | 808 | 502 | 0 |
| 30 Jun 16 | 2,239 | 814 | 485 | 0 |
| 31 Mar 16 | 2,349 | 872 | 476 | 0 |
| 31 Dec 15 | 2,521 | 983 | 467 | 0 |
| 30 Sep 15 | 2,518 | 973 | 456 | 0 |
| 30 Jun 15 | 2,621 | 1,098 | 459 | 0 |
| 31 Mar 15 | 2,791 | 1,221 | 460 | 0 |
| 31 Dec 14 | 2,927 | 1,131 | 479 | 0 |
| 30 Sep 14 | 3,004 | 1,085 | 491 | 0 |
| 30 Jun 14 | 2,951 | 971 | 510 | 0 |
| 31 Mar 14 | 3,395 | 1,166 | 521 | 0 |
| 31 Dec 13 | 3,414 | 1,292 | 504 | 0 |
Quality Earnings: 0K5R has a large one-off loss of $45.0M impacting its last 12 months of financial results to 30th September, 2024.
Growing Profit Margin: 0K5R's current net profit margins (7.6%) are lower than last year (27.9%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 0K5R's earnings have declined by 14.7% per year over the past 5 years.
Accelerating Growth: 0K5R's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 0K5R had negative earnings growth (-78.1%) over the past year, making it difficult to compare to the Consumer Finance industry average (19.5%).
Return on Equity
High ROE: 0K5R's Return on Equity (2.9%) is considered low.