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Navient NAVI Consumer Lending — Net Income Loss

Other segment segments

All Other Segments
-$26M+25.7%
Federal Education Loans
$26M-13.3%
Business Processing
$0

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Other financials

Income statement

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Revenue$43.0M-46.9%
Net income$25.0M+78.6%
EPS (diluted)$0.26+100%

Balance sheet

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Cash & equivalents$770.0M+8.1%
Total debt$44.3B-5.9%
Total equity$3.0B+4.7%
Total assets$47.3B-5.8%

Cash flow

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Operating cash flow$143.0M+13.5%

Valuation

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Market cap$853.42M-31.2%
Enterprise value$44.42B-6.7%

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:NetIncomeLoss.

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 GAAPAdjustments / Reclassi-ficationsAdjustments / Additions/(Subtractions)Adjustments / Total Adjustments (1)Total Core EarningsReportable Segments / Consumer LendingReportable Segments / Federal Education LoansReportable Segments / Business ProcessingReportable Segments / Other
Unallocated shared services expenses2525
Operating expenses(2)8282421525
Goodwill and acquired intangible asset impairment and amortization
Restructuring/other reorganization expenses333
Total expenses8585421528
Income (loss) before income tax expense (benefit)39(3)(3)363533(32)
Income tax expense (benefit)(3)14(5)(5)987(6)
Net income (loss)$25$2$2$27$27$26$(26)

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FAQ

What is Navient's consumer lending — net income loss?
Navient (NAVI) reported consumer lending — net income loss of $27M in Q2 2026.
How has Navient's consumer lending — net income loss changed year-over-year?
Navient's consumer lending — net income loss increased by 3.8% year-over-year, from $26M to $27M.
What is the long-term trend for Navient's consumer lending — net income loss?
Over 4 years (2021 to 2025), Navient's consumer lending — net income loss has grown at a -55.1% compound annual growth rate (CAGR), from $491M to $20M.
What does consumer lending — net income loss mean?
Represents the final bottom-line profitability of the consumer lending segment after all operating expenses, interest costs, loan loss provisions, and taxes have been deducted. It serves as the definitive measure of the segment's contribution to the overall corporate earnings. Consistent growth in this metric indicates a successful and sustainable lending business model.

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