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Navient NAVI Consumer Lending — Interest Expense Operating
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Where this comes from
Reported directly by Navient in its filing.
Tagged under the XBRL concept us-gaap:InterestExpenseOperating.
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 |
|---|---|---|---|---|---|---|---|---|---|
| Education loans | $664 | $273 | $391 | — | — | ||||
| Cash and investments | 18 | 5 | 8 | — | 5 | ||||
| Total interest income | 682 | 278 | 399 | — | 5 | ||||
| Total interest expense | 560 | 185 | 351 | — | 26 | ||||
| Net interest income (loss) | 122 | $1 | $(3) | $(2) | $120 | 93 | 48 | — | (21) |
| Less: provisions for loan losses | 26 | 26 | 18 | 8 | — | — | |||
| Net interest income (loss) after provisions for loan losses | 96 | 75 | 40 | — | (21) | ||||
| Other income (loss): |
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FAQ
- What is Navient's consumer lending — interest expense operating?
- Navient (NAVI) reported consumer lending — interest expense operating of $185M in Q2 2026.
- How has Navient's consumer lending — interest expense operating changed year-over-year?
- Navient's consumer lending — interest expense operating increased by 1.1% year-over-year, from $183M to $185M.
- What is the long-term trend for Navient's consumer lending — interest expense operating?
- Over 2 years (2022 to 2025), Navient's consumer lending — interest expense operating has grown at a 9.4% compound annual growth rate (CAGR), from $611M to $731M.
- What does consumer lending — interest expense operating mean?
- Represents the costs incurred by the consumer lending segment to fund its operations, primarily through debt financing and interest payments on liabilities. This metric is critical for evaluating the segment's cost of capital and its ability to manage interest rate risk. High interest expenses relative to income can compress the segment's net interest margin.
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