Navient NAVI Consumer Lending — Direct Operating Costs

Other segment segments

Similar metrics at other companies

WUConsumer Services — Direct Operating Costs

$37.7M+32.7%

CFGConsumer Banking — Direct expenses

$724M+8.2%

CASHConsumer — Consumer lending program expenses

$153K-97.3%

CASHCorporate Services/Other — Consumer lending program expenses

$0—

CASHCommercial — Consumer lending program expenses

$0—

WFCConsumer Banking and Lending — Nonpersonnel expense

$2.6B+12.4%

Questions, answered.

What is Navient's consumer lending — direct operating costs?

Navient (NAVI) reported consumer lending — direct operating costs of $39M in Q1 2026.

How has Navient's consumer lending — direct operating costs changed year-over-year?

Navient's consumer lending — direct operating costs increased by 11.4% year-over-year, from $35M to $39M.

What is the long-term trend for Navient's consumer lending — direct operating costs?

Over 4 years (2021 to 2025), Navient's consumer lending — direct operating costs has grown at a -2.4% compound annual growth rate (CAGR), from $163M to $148M.

What does consumer lending — direct operating costs mean?

This represents the specific expenses directly attributable to the day-to-day operations of the consumer lending segment, such as personnel, technology, and administrative overhead. Monitoring this helps evaluate the operational efficiency and cost structure of the business unit.