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Navient NAVI Federal Education Loans — Direct Operating Costs

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$0
Business Processing
$0

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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:DirectOperatingCosts.

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
Other revenue1817
Total other income28(1)(1)272817
Expenses:
Direct operating expenses574215
Unallocated shared services expenses2525
Operating expenses(2)8282421525
Goodwill and acquired intangible asset impairment and amortization
Restructuring/other reorganization expenses333

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FAQ

What is Navient's federal education loans — direct operating costs?
Navient (NAVI) reported federal education loans — direct operating costs of $15M in Q2 2026.
How has Navient's federal education loans — direct operating costs changed year-over-year?
Navient's federal education loans — direct operating costs decreased by 11.8% year-over-year, from $17M to $15M.
What is the long-term trend for Navient's federal education loans — direct operating costs?
Over 4 years (2021 to 2025), Navient's federal education loans — direct operating costs has grown at a -25.8% compound annual growth rate (CAGR), from $224M to $68M.
What does federal education loans — direct operating costs mean?
This measures the specific expenses directly attributable to the operations of the federal education loan segment, including personnel, technology, and administrative costs. It is a key indicator of the segment's operational efficiency and cost structure. Lower costs relative to revenue indicate better operating leverage.

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