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Navient NAVI Consumer Lending — Net Income Loss

Other segment segments

All Other Segments
-$38M+17.4%
Federal Education Loans
$22M-8.3%
Business Processing
$0-100%

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COFConsumer Banking — Net interest income (loss)
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WFCConsumer Banking and Lending — Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest
$2.59B+12.6%
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WFCConsumer Banking and Lending — Net Income (Loss) Attributable to Parent
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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-42.0%
Enterprise value$45.28B-6.5%
P/S2.9×-0.7×

Profitability

See full
Net margin48.3%

Returns & leverage

See full
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 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 — net income loss?
Navient (NAVI) reported consumer lending — net income loss of $35M in Q1 2026.
How has Navient's consumer lending — net income loss changed year-over-year?
Navient's consumer lending — net income loss decreased by 23.9% year-over-year, from $46M to $35M.
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.