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Navient NAVI Consumer Lending — Interest Income Expense Net
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Where this comes from
Reported directly by Navient in its filing.
Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.
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 |
|---|---|---|---|---|---|---|---|---|---|
| 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): | |||||||||
| Servicing revenue | 10 | 2 | 8 | — | — |
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FAQ
- What is Navient's consumer lending — interest income expense net?
- Navient (NAVI) reported consumer lending — interest income expense net of $93M in Q2 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 2.1% year-over-year, from $95M to $93M.
- 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.
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