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Navient NAVI Consumer Lending — Notes Receivable Net

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PCARFinancial Services — Notes Receivable Net
$19.34B-1.4%

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$795.15M-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:NotesReceivableNet.

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 — notes receivable net?
Navient (NAVI) reported consumer lending — notes receivable net of $15.65B in Q1 2026.
How has Navient's consumer lending — notes receivable net changed year-over-year?
Navient's consumer lending — notes receivable net decreased by 0.3% year-over-year, from $15.69B to $15.65B.
What is the long-term trend for Navient's consumer lending — notes receivable net?
Over 4 years (2021 to 2025), Navient's consumer lending — notes receivable net has grown at a -6.0% compound annual growth rate (CAGR), from $79.66B to $62.13B.
What does consumer lending — notes receivable net mean?
Represents the total outstanding principal balance of consumer loans held by the segment, adjusted for estimated credit losses and unearned interest. This metric serves as a primary indicator of the segment's scale and the size of its active loan portfolio. It is a critical measure for evaluating the segment's exposure to consumer credit risk and its potential for future interest income generation.