Navient Corp (JSM) — SEC Filings
Navient Corp (JSM) — 43 SEC filings. Latest: 8-K (Nov 19, 2025). Includes 26 8-K, 6 10-Q, 3 SC 13G/A.
View Navient Corp on SEC EDGAR
Overview
Navient Corp (JSM) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Oct 29, 2025: Navient Corporation (JSM) reported a significant GAAP net loss of $86 million for Q3 2025, a substantial decline from a net loss of $2 million in Q3 2024. Diluted earnings per common share also fell to $(0.87) from $(0.02) year-over-year. On a Core Earnings basis, the company posted a net loss of $8
Sentiment Summary
Across 43 filings, the sentiment breakdown is: 1 bullish, 41 neutral, 1 mixed. The dominant filing sentiment for Navient Corp is neutral.
Filing Type Overview
Navient Corp (JSM) has filed 26 8-K, 6 10-Q, 2 DEF 14A, 1 10-K/A, 2 10-K, 2 SC 13D/A, 1 8-K/A, 3 SC 13G/A with the SEC between Jan 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (43)
Risk Profile
Risk Assessment: Of JSM's 36 recent filings, 0 were flagged as high-risk, 19 as medium-risk, and 17 as low-risk. The overall risk profile suggests moderate risk with a balanced mix of positive and cautionary disclosures.
Financial Highlights
| Metric | Value |
|---|---|
| Net Income | $(86)M |
| EPS | $(0.87) |
Key Executives
- Edward Bramson
- Stephen Welker
- Michael J. Van Schooneveld
- David R. Johnson
- David R. Shiffman
- Mark L. Heimbach
- Michelle L. Thompson
Industry Context
Navient operates in the higher education financing and servicing industry, which is heavily influenced by federal policy and interest rate environments. The company faces competition from other loan servicers and financial institutions offering private loan products. Recent regulatory changes, such as the elimination of the GradPLUS program, are reshaping the landscape, creating opportunities for private lending while reducing reliance on federal programs.
Top Tags
financial-reporting (6) · filing (6) · financial-condition (6) · Student Loans (5) · financials (5) · amendment (5) · 8-k (4) · corporate-governance (4) · debt (4) · 10-Q (4)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| GAAP Net Income (Loss) | $(86)M | Q3 2025, down from $(2)M in Q3 2024 |
| Core Earnings Net Income (Loss) | $(83)M | Q3 2025, down from $160M in Q3 2024 |
| Private Education Loan Originations | $1.8B | First nine months of 2025, a 73% increase from $1.0B a year ago |
| Increase in Private Education Loan Originations | 73% | First nine months of 2025 vs. 2024 |
| Headcount Reduction | 80% | Since the beginning of 2024 due to strategic actions |
| Restructuring Charges | $46M | Recognized in 2024 and first nine months of 2025 |
| Ending FFELP Loans, net | $28.9B | As of September 30, 2025 |
| Ending Private Education Loans, net | $15.5B | As of September 30, 2025 |
| Adjusted Tangible Equity Ratio | 9.3% | As of September 30, 2025, down from 9.8% in Q3 2024 |
| New Share Repurchase Program | $100M | Authorized in October 2025 |
| Q2 2025 Net Income | $150M | Up 25% from $120M in Q2 2024, indicating strong profitability. |
| Q2 2025 Revenue | $650M | Increased 8% year-over-year, primarily from private education loans. |
| Private Education Loans 61-90 Days Past Due | $50M | As of June 30, 2025, highlighting credit concentration risk. |
| Healthcare Services Revenue Growth | 15% | Year-over-year increase in the Business Processing segment, showing diversification. |
| Net Income Growth | 25% | Percentage increase in net income from Q2 2024 to Q2 2025. |
Forward-Looking Statements
- {"claim":"Dimensional Fund Advisors LP will maintain a significant, passive stake in Navient Corp.","entity":"Dimensional Fund Advisors LP","targetDate":"December 2024","confidence":"high"}
- {"claim":"Navient Corp's stock price will not be significantly impacted by this routine filing.","entity":"Navient Corp","targetDate":"March 2024","confidence":"high"}
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Frequently Asked Questions
What are the latest SEC filings for Navient Corp (JSM)?
Navient Corp has 43 recent SEC filings from Jan 2024 to Nov 2025, including 26 8-K, 6 10-Q, 3 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of JSM filings?
Across 43 filings, the sentiment breakdown is: 1 bullish, 41 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Navient Corp SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Navient Corp (JSM) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Navient Corp?
Key financial highlights from Navient Corp's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for JSM?
The investment thesis for JSM includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Navient Corp?
Key executives identified across Navient Corp's filings include Edward Bramson, Stephen Welker, Michael J. Van Schooneveld, David R. Johnson, David R. Shiffman and 2 others.
What are the main risk factors for Navient Corp stock?
Of JSM's 36 assessed filings, 0 were flagged high-risk, 19 medium-risk, and 17 low-risk.
What are recent predictions and forward guidance from Navient Corp?
Recent forward-looking statements from Navient Corp include guidance on {"claim":"Dimensional Fund Advisors LP will maintain a significant, passive stake in Navient Corp.","entity":"Dimensiona and 1 other predictions.