What is Navient's gross loans?

Navient (NAVI) reported gross loans of $43.59B in Q4 2025.

How has Navient's gross loans changed year-over-year?

Navient's gross loans decreased by 6.4% year-over-year, from $46.57B to $43.59B.

What is the long-term trend for Navient's gross loans?

Over 5 years (2020 to 2025), Navient's gross loans has grown at a -11.3% compound annual growth rate (CAGR), from $79.36B to $43.59B.

What does gross loans mean?

Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.

Navient NAVI Gross loans

Gross loans at other companies

SLMSLM

$19.89B-5.7%

NelnetNNI

$10.01B-4.0%

SoFi Technologies, Inc.SOFI

$1.38B+6.5%

Great Southern BancorpGSBC

$4.46B-5.0%

Enova InternationalENVA

$5.87B+28.5%

WaFd, Inc.WAFD

$20.17B-4.5%

Segments

By segment

See full

Federal Education Loans$27.24B-9.9%

Consumer Lending$15.45B—

Other financials

Income statement

See full

Revenue$43.0M-46.9%

Net income$17.0M+950%

EPS (diluted)$0.17+950%

Balance sheet

See full

Cash & equivalents$621.0M-3.3%

Total debt$45.1B-5.5%

Total equity$3.0B+4.7%

Total assets$48.0B-5.8%

Cash flow

See full

Operating cash flow-$47.0M-166%

Valuation

See full

Market cap$795.15M-41.8%

Enterprise value$45.28B-6.5%

P/S2.9×-0.7×

Profitability

See full

Net margin48.3%—

Returns & leverage

See full

Return on equity17.3%-4.8pp

Debt / equity21.3×-5.1×

Where this comes from

Reported directly by Navient in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableNet.

The official record: Navient’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Navient's gross loans?: Navient (NAVI) reported gross loans of $43.59B in Q4 2025.
How has Navient's gross loans changed year-over-year?: Navient's gross loans decreased by 6.4% year-over-year, from $46.57B to $43.59B.
What is the long-term trend for Navient's gross loans?: Over 5 years (2020 to 2025), Navient's gross loans has grown at a -11.3% compound annual growth rate (CAGR), from $79.36B to $43.59B.
What does gross loans mean?: Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.