Navient Corporation (NAVI) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.875 -- 00:00:06.222 Good morning and welcome to the Naviant Fourth Quarter 2025 Earnings Conference Call. 00:00:06.222 -- 00:00:12.109 This call is being recorded. Currently, all participants are in a listen-only mode. 00:00:12.109 -- 00:00:16.615 Following the remarks, we will conduct a question and answer session. 00:00:16.615 -- 00:00:19.959 Instructions will be provided at that time. 00:00:19.959 -- 00:00:24.064 If anyone should require assistance during the call, please press the star key followed 00:00:24.064 -- 00:00:27.346 by zero on your telephone keypad. 00:00:27.689 -- 00:00:33.482 At this time, I will turn the call over to Jen Arias, Navient's Head of Investor Relations. 00:00:33.482 -- 00:00:35.923 Please go ahead. 00:00:36.106 -- 00:00:39.932 Hello, good morning, and welcome to Navient's earnings call for the fourth quarter of 00:00:39.932 -- 00:00:41.534 2025. 00:00:41.534 -- 00:00:47.483 With me today are David Yohan, Navient's CEO, and Steve Hauber, Navient's CFO. 00:00:47.483 -- 00:00:51.369 After their prepared remarks, we will open up the call for questions. 00:00:51.369 -- 00:00:55.956 Today's discussion is accompanied by a presentation, which you can find on Navient.com 00:00:55.956 -- 00:01:01.371 slash investors. Before we begin, keep in mind our discussion will contain predictions, 00:01:01.371 -- 00:01:05.738 expectations, forward-looking statements, and other information about our business that 00:01:05.738 -- 00:01:10.486 is based on management's current expectations as of the date of this presentation. 00:01:10.486 -- 00:01:14.573 Actual results in the future may be materially different from those discussed here. 00:01:14.573 -- 00:01:16.937 This could be due to a variety of factors. 00:01:16.937 -- 00:01:21.184 Listeners ...