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Navient NAVI Consumer Lending — Operating Expenses

Other segment segments

All Other Segments
$34M-35.8%
Federal Education Loans
$16M-15.8%
Business Processing
$0-100%

Similar metrics at other companies

Pathward Financial, Inc. logo
CASHConsumer — Consumer lending program expenses
$153K-97.3%
Pathward Financial, Inc. logo
CASHCorporate Services/Other — Consumer lending program expenses
$0
Wells Fargo & Company logo
WFCConsumer Banking and Lending — Total noninterest expense
$6.59B+3.9%
Pathward Financial, Inc. logo
CASHConsumer — Loan expenses
$3K-62.5%
Wells Fargo & Company logo
WFCConsumer Banking and Lending — Nonpersonnel expense
$2.6B+12.4%
Pathward Financial, Inc. logo
CASHCommercial — Consumer lending program expenses
$0

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

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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:OperatingExpenses.

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 — operating expenses?
Navient (NAVI) reported consumer lending — operating expenses of $39M in Q1 2026.
How has Navient's consumer lending — operating expenses changed year-over-year?
Navient's consumer lending — operating expenses increased by 11.4% year-over-year, from $35M to $39M.
What is the long-term trend for Navient's consumer lending — operating expenses?
Over 4 years (2021 to 2025), Navient's consumer lending — operating expenses has grown at a -2.4% compound annual growth rate (CAGR), from $163M to $148M.
What does consumer lending — operating expenses mean?
This is the total cost incurred to maintain the operations of the consumer lending segment, including direct costs and allocated overhead. It is a primary metric for assessing the segment's overall cost management and operational scale.