Investor Presentaiton slide image

Investor Presentaiton

Actual Cash Flows From Our Education Loan Portfolio Have Exceeded Projections Actual Cash Flows Continue to Exceed Projections 1 December, 2017 to December 31, 2020 ($'s in Billions) $9.4 $13.7 Prudent Investment of Cash Flows Drives Margins and Creates Value Cash flows generated Q4 2017 - Q4 2020 were invested in the following: ✓ Acquired over $13 billion of education loans Reduced unsecured debt by $5.6 billion 2 ✓ Share repurchases of $1.1 billion Returned $435 million to shareholders in dividends 3-year Projection at Q4 2017 Actual Cash Flows (Q4 2017 - Q4 2020) ✓ No Corporate Acquisitions 3 Actual cash flows exceeded projections 1 by over $4 billion, primarily through financing activity and accretive acquisitions of education loans 1 Projections provided in Q4 2017 earnings presentation, published on January 24, 2018, available at Navient.com/investors. 2 Unsecured debt at par value. 3 Excludes tuck-in acquisitions. © 2021 Navient Solutions, LLC. All rights reserved. 5
View entire presentation