Navient (NAVI) Retained Earnings (2016 - 2026)
Navient's Retained Earnings came in at $4.56 billion for Q2 2026, down 2.4% from $4.67 billion a year earlier but up 0.2% from the prior quarter.
Powered by 
Analysis
Navient (NAVI) Retained Earnings (2016 - 2026) Analysis & Trends
At the end of FY2025, Navient's Retained Earnings was $4.55 billion, down 3.1% from FY2024.
- Retained Earnings carries a five-year compound annual growth rate of 6.4% (FY2020 to FY2025).
- Going back by year, Retained Earnings was $4.7 billion in FY2024 (+1.3%), $4.64 billion in FY2023 (+3.3%), $4.49 billion in FY2022 (+14.0%) and $3.94 billion in FY2021 (+18.3%).
- The five-year range for quarterly Retained Earnings is $3.94 billion (Q4 2021) to $4.71 billion (Q2 2024).
- Year-over-year, Retained Earnings has declined for six consecutive quarters, with an average decline of 1.3% over the last eight quarters.
- The fastest year-over-year change in Retained Earnings over five years came in Q3 2021 (growth of 25.2%), and the weakest in Q4 2025 (a decline of 3.1%).
- Business Quant data shows NAVI's Retained Earnings at $4.55 billion (Q1 2026), $4.55 billion (Q4 2025) and $4.57 billion (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.90 Bn | 29.58 Bn | - | 651.00 Mn |
| 2 | Orix | 42.96 Bn | 43.46 Bn | - | 23.31 Bn |
| 3 | Royalty Pharma | 33.48 Bn | 33.39 Bn | - | 2.46 Bn |
| 4 | Federal National Mortgage Association Fannie Mae | 23.94 Bn | 23.94 Bn | - | -16.56 Bn |
| 5 | Affirm Holdings | 23.37 Bn | 17.06 Bn | - | -1.13 Bn |
| 6 | Synchrony Financial | 23.31 Bn | -44.66 Bn | - | 25.97 Bn |
| 7 | Royal Gold | 20.23 Bn | 19.45 Bn | 390.45 Mn | 1.66 Bn |
| 8 | Annaly Capital Management | 15.24 Bn | 6.34 Bn | - | -13.21 Bn |
| 9 | Ares Capital | 13.90 Bn | 11.34 Bn | - | 531.00 Mn |
| 10 | Navient | 850.62 Mn | -1.75 Bn | - | 4.56 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 4.56 Bn |
| Mar 31, 2026 | 4.55 Bn |
| Dec 31, 2025 | 4.55 Bn |
| Sep 30, 2025 | 4.57 Bn |
| Jun 30, 2025 | 4.67 Bn |
| Mar 31, 2025 | 4.68 Bn |
| Dec 31, 2024 | 4.70 Bn |
| Sep 30, 2024 | 4.69 Bn |
| Jun 30, 2024 | 4.71 Bn |
| Mar 31, 2024 | 4.69 Bn |
| Dec 31, 2023 | 4.64 Bn |
| Sep 30, 2023 | 4.69 Bn |
| Jun 30, 2023 | 4.63 Bn |
| Mar 31, 2023 | 4.58 Bn |
| Dec 31, 2022 | 4.49 Bn |
| Sep 30, 2022 | 4.41 Bn |
| Jun 30, 2022 | 4.32 Bn |
| Mar 31, 2022 | 4.17 Bn |
| Dec 31, 2021 | 3.94 Bn |
| Sep 30, 2021 | 3.98 Bn |
API Access
Navient Retained Earnings API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=retained-earnings&ticker=NAVI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "retained-earnings", "ticker": "NAVI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=retained-earnings&ticker=NAVI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();