Navient (NasdaqGS:JSM) Q4 2025 Earnings call January 28, 2026 08:00 AM ET Company ParticipantsDave Yowan - President and CEOJeff Adelson - Executive DirectorJen Earyes - Head of Investor RelationsRick Shane - Managing Director and Senior Equity ResearchSanjay Sakhrani - Managing DirectorSteve Hauber - CFOConference Call ParticipantsCaroline Latta - Equity Research AnalystMark DeVries - Senior Research AnalystTerry Ma - Senior Equity Research AnalystWill Ryan - Managing Director and Senior Equity Research An ...