For the year ending 2025-12-31, JSM had $1M increase in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 |
|---|---|
| Cash and investments | 83 |
| Education Loan | 3,025 |
| Total interest income | 3,108 |
| Total interest expense | 2,589 |
| Net interest income (loss) | 519 |
| Less provisions for loan losses | 280 |
| Net interest income (loss) after provisions for loan losses | 239 |
| Total other income (loss) | 91 |
| Direct operating expenses | 237 |
| Unallocated shared services expenses | 184 |
| Total operating expenses | 421 |
| Goodwill and acquired intangible asset impairment and amortization | 3 |
| Restructuring/other reorganization expenses | 17 |
| Total expenses | 441 |
| Income (loss) before income tax expense (benefit) | -111 |
| Income tax expense (benefit) | -31 |
| Net income (loss) | -80 |
| (gain) on sale of subsidiaries, net | 0 |
| Losses on debt repurchases | 0 |
| Goodwill and acquired intangible asset impairment and amortization expense | 3 |
| Stock-based compensation expense | 21 |
| Mark-to-market (gains)/losses on derivative and hedging activities, net | -124 |
| Provisions for loan losses | 280 |
| (increase) decrease in accrued interest receivable | -76 |
| Increase (decrease) in accrued interest payable | -3 |
| Decrease in other assets | -58 |
| Increase (decrease) in other liabilities | -38 |
| Total adjustments | 521 |
| Total net cash provided by operating activities | 441 |
| Education loans originated and acquired | 2,482 |
| Principal payments on education loans | 5,182 |
| Other investing activities, net | 13 |
| Disposal of a subsidiaries, net of cash disposed of | 25 |
| Total net cash provided by investing activities | 2,712 |
| Borrowings collateralized by loans in trust - issued | 2,162 |
| Borrowings collateralized by loans in trust - repaid | 5,345 |
| Asset-backed commercial paper conduits, net-Asset Backed Securities Securitized Loans And Receivables | 176 |
| Long-term unsecured notes issued | 495 |
| Long-term unsecured notes repaid | 554 |
| Other financing activities, net | 88 |
| Common stock repurchased | 111 |
| Common dividends paid | 63 |
| Total net cash used in financing activities | -3,152 |
| Net increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents | 1 |
| Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period | 2,103 |
| Cash, cash equivalents, restricted cash and restricted cash equivalents at end of period | 2,104 |
NAVIENT CORP (JSM)
NAVIENT CORP (JSM)