What does business processing — restructuring charges mean?

Costs associated with reorganizing the business processing segment to improve efficiency or adapt to market changes. These are typically one-time expenses that signal management's efforts to optimize the cost structure.

Navient (NAVI) Business Processing — Restructuring Charges

Screener

Other segment segments

All Other Segments

$3M—

Federal Education Loans

$0—

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Other financials

Income statement

See full

Revenue$43.0M-46.9%

Net income$25.0M+78.6%

EPS (diluted)$0.26+100%

Balance sheet

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Cash & equivalents$770.0M+8.1%

Total debt$44.3B-5.9%

Total equity$3.0B+4.7%

Total assets$47.3B-5.8%

Cash flow

See full

Operating cash flow$143.0M+13.5%

Valuation

See full

Market cap$853.42M-31.2%

Enterprise value$44.42B-6.7%

Profitability

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Net margin48.3%—

Returns & leverage

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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:RestructuringCharges.

The source filing: Navient’s 10-Q, filed August 7, 2026.

Filed: Aug 7, 2026, 4:09 PM EDT
Fiscal quarter: Q2 FY2026
Calendar quarter: Q2 2026
Accession: 0001193125-26-340245

(Dollars in millions)	Total GAAP	Adjustments / Reclassi-fications	Adjustments / Additions/(Subtractions)	Adjustments / Total Adjustments (1)	Total Core Earnings	Reportable Segments / Consumer Lending	Reportable Segments / Federal Education Loans	Reportable Segments / Business Processing	Reportable Segments / Other
Unallocated shared services expenses	25					—	—	—	25
Operating expenses(2)	82	—	—	—	82	42	15	—	25
Goodwill and acquired intangible asset impairment and amortization	—	—	—	—	—	—	—	—	—
Restructuring/other reorganization expenses	3	—	—	—	3	—	—	—	3
Total expenses	85	—	—	—	85	42	15	—	28
Income (loss) before income tax expense (benefit)	39	—	(3)	(3)	36	35	33	—	(32)
Income tax expense (benefit)(3)	14	—	(5)	(5)	9	8	7	—	(6)
Net income (loss)	$25	—	$2	$2	$27	$27	$26	—	$(26)

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FAQ

What is Navient's business processing — restructuring charges?: Navient (NAVI) reported business processing — restructuring charges of $0 in Q2 2026.
What does business processing — restructuring charges mean?: Costs associated with reorganizing the business processing segment to improve efficiency or adapt to market changes. These are typically one-time expenses that signal management's efforts to optimize the cost structure.