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Navient NAVI Consumer Lending — Interest Income Operating

Other segment segments

Federal Education Loans
$401M-18.7%
All Other Segments
$0
Business Processing
$0

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EWBCConsumer and Business Banking — Interest Income (Expense), Operating
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AUBConsumer Banking — Interest And Dividend Income Operating
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WFCConsumer Banking and Lending — Net interest income (expense)
$7.55B+7.3%

Other financials

Income statement

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Revenue$43.0M-46.9%
Net income$17.0M+950%
EPS (diluted)$0.17+950%

Balance sheet

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Cash & equivalents$621.0M-3.3%
Total debt$45.1B-5.5%
Total equity$3.0B+4.7%
Total assets$48.0B-5.8%

Cash flow

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Operating cash flow-$47.0M-166%

Valuation

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Market cap$792.33M-41.8%
Enterprise value$45.28B-6.5%
P/S2.9×-0.7×

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:InterestIncomeOperating.

The official record: Navient’s 10-Q, filed April 29, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Navient's consumer lending — interest income operating?
Navient (NAVI) reported consumer lending — interest income operating of $277M in Q1 2026.
How has Navient's consumer lending — interest income operating changed year-over-year?
Navient's consumer lending — interest income operating decreased by 4.2% year-over-year, from $289M to $277M.
What is the long-term trend for Navient's consumer lending — interest income operating?
Over 4 years (2021 to 2025), Navient's consumer lending — interest income operating has grown at a -1.3% compound annual growth rate (CAGR), from $1.18B to $1.12B.
What does consumer lending — interest income operating mean?
Reflects the gross revenue generated from interest-bearing assets within the consumer lending segment, primarily derived from loan portfolios. This is a core performance metric indicating the segment's ability to monetize its lending activities. It serves as the primary top-line indicator for the segment's lending business model.