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Navient NAVI Consumer Lending — Provision For Loan Losses Expensed

Other segment segments

Federal Education Loans
$8M0.0%
All Other Segments
$0
Business Processing
$0

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$459K-85.3%
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CFFIConsumer Finance — Provision For Loan Losses Expensed
$2.5M+4.2%
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MFINTaxi Medallion Lending — Provision For Loan Losses Expensed
-$46K+94.4%
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CBANSmall Business Specialty Lending Division — Provision For Loan Losses Expensed
$1.1M+40.9%
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HTHBanking — Provision For Loan Losses Expensed
-$1.03M+86.0%

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 us-gaap:ProvisionForLoanLossesExpensed.

The source filing: Navient’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:09 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-340245
(Dollars in millions)Total GAAPAdjustments / Reclassi-ficationsAdjustments / Additions/(Subtractions)Adjustments / Total Adjustments (1)Total Core EarningsReportable Segments / Consumer LendingReportable Segments / Federal Education LoansReportable Segments / Business ProcessingReportable Segments / Other
Total interest income6822783995
Total interest expense56018535126
Net interest income (loss)122$1$(3)$(2)$1209348(21)
Less: provisions for loan losses2626188
Net interest income (loss) after provisions for loan losses967540(21)
Other income (loss):
Servicing revenue1028
Asset recovery and business processing revenue

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FAQ

What is Navient's consumer lending — provision for loan losses expensed?
Navient (NAVI) reported consumer lending — provision for loan losses expensed of $18M in Q2 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 37.9% year-over-year, from $29M 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.

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