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Navient NAVI Consumer Lending — Provision For Loan Losses Expensed

Other segment segments

Federal Education Loans
$9M+213%
All Other Segments
$0
Business Processing
$0

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$5.58M-26.2%

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:ProvisionForLoanLossesExpensed.

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 — provision for loan losses expensed?
Navient (NAVI) reported consumer lending — provision for loan losses expensed of $18M in Q1 2026.
How has Navient's consumer lending — provision for loan losses expensed changed year-over-year?
Navient's consumer lending — provision for loan losses expensed decreased by 18.2% year-over-year, from $22M to $18M.
What is the long-term trend for Navient's consumer lending — provision for loan losses expensed?
Over 2 years (2022 to 2025), Navient's consumer lending — provision for loan losses expensed has grown at a 77.2% compound annual growth rate (CAGR), from $79M to $248M.
What does consumer lending — provision for loan losses expensed mean?
This represents the periodic expense set aside by the company to cover anticipated losses from loan defaults or uncollectible accounts within the consumer lending portfolio. It serves as a critical indicator of credit quality and the company's assessment of borrower risk in its lending operations.