What is Navient's consumer lending — restructuring charges?

Navient (NAVI) reported consumer lending — restructuring charges of $0 in Q1 2026.

What does consumer lending — restructuring charges mean?

Represents one-time costs associated with reorganizing business operations, such as severance, facility closures, or asset write-downs within the consumer lending segment. These charges are typically excluded from core operating performance to provide a clearer view of recurring profitability. Monitoring these helps investors assess the impact of strategic shifts or efficiency initiatives on segment earnings.

Navient NAVI Consumer Lending — Restructuring Charges

Other segment segments

All Other Segments

$0-100%

Business Processing

$0—

Federal Education Loans

$0—

Similar metrics at other companies

RPMConsumer — Restructuring Charges

$6.36M+236%

MKCConsumer — Special Charges, Including Restructuring

$32.7M+862%

MTXConsumer And Specialties — Restructuring Charges

$0-100%

CTSRestructuring Charges

$0—

ROCKResidential — Restructuring Charges

$1.76M+1,061%

TROXRestructuring Charges

$14M-83.7%

Other financials

Income statement

See full

Revenue$43.0M-46.9%

Net income$17.0M+950%

EPS (diluted)$0.17+950%

Balance sheet

See full

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

See full

Operating cash flow-$47.0M-166%

Valuation

See full

Market cap$792.33M-42.0%

Enterprise value$45.28B-6.5%

P/S2.9×-0.7×

Profitability

See full

Net margin48.3%—

Returns & leverage

See full

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:RestructuringCharges.

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 — restructuring charges?: Navient (NAVI) reported consumer lending — restructuring charges of $0 in Q1 2026.
What does consumer lending — restructuring charges mean?: Represents one-time costs associated with reorganizing business operations, such as severance, facility closures, or asset write-downs within the consumer lending segment. These charges are typically excluded from core operating performance to provide a clearer view of recurring profitability. Monitoring these helps investors assess the impact of strategic shifts or efficiency initiatives on segment earnings.