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Navient NAVI Consumer Lending — Principal Balance Of Loans Originated

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WFCConsumer Banking and Lending — Total loans
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RITMPrincipal repayments from consumer loans
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CCBCCBX — % of Total Outstanding Balance Consumer Loans
44.8%-9.6pp

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 navi:PrincipalBalanceOfLoansOriginated.

The source filing: Navient’s 10-K, filed February 26, 2026.

Filed
Feb 25, 2026, 7:00 PM EST
Fiscal year
FY2025
Accession
0001193125-26-076753

We own and manage a portfolio of $15.5 billion of Private Education Loans. Through our Earnest brand we help students and families succeed with education lending and digital financial services, originating Earnest branded in-school student loans and refinancing products. In 2025, we originated $2.5 billion of Private Education Loans, a 77% increase from $1.4 billion a year ago.

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FAQ

What is Navient's consumer lending — principal balance of loans originated?
Navient (NAVI) reported consumer lending — principal balance of loans originated of $625M in Q4 2025.
How has Navient's consumer lending — principal balance of loans originated changed year-over-year?
Navient's consumer lending — principal balance of loans originated increased by 78.6% year-over-year, from $350M to $625M.
What is the long-term trend for Navient's consumer lending — principal balance of loans originated?
Over 4 years (2021 to 2025), Navient's consumer lending — principal balance of loans originated has grown at a -19.7% compound annual growth rate (CAGR), from $6B to $2.5B.
What does consumer lending — principal balance of loans originated mean?
Measures the total dollar volume of new loans generated by the consumer lending segment during a specific period. This is a primary growth metric that indicates the segment's market reach, sales effectiveness, and appetite for expanding its loan portfolio. It serves as a leading indicator for future interest income potential.

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