Navient NAVI Consumer Lending — Interest Income Expense Net

Other segment segments

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Questions, answered.

What is Navient's consumer lending — interest income expense net?

Navient (NAVI) reported consumer lending — interest income expense net of $100M in Q1 2026.

How has Navient's consumer lending — interest income expense net changed year-over-year?

Navient's consumer lending — interest income expense net decreased by 11.5% year-over-year, from $113M to $100M.

What is the long-term trend for Navient's consumer lending — interest income expense net?

Over 4 years (2021 to 2025), Navient's consumer lending — interest income expense net has grown at a -10.6% compound annual growth rate (CAGR), from $642M to $411M.

What does consumer lending — interest income expense net mean?

Calculated as the difference between interest income earned on assets and interest expense paid on liabilities within the consumer lending segment. This metric, often referred to as net interest income, is the primary driver of profitability for lending businesses. It measures the segment's ability to effectively manage the spread between its cost of funds and the yield on its loan portfolio.