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Navient NAVI Federal Education Loans — Interest Expense Operating

Other segment segments

Consumer Lending
$181M—
All Other Segments
$25M+8.7%
Business Processing
$0—

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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:InterestExpenseOperating.

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 federal education loans — interest expense operating?
Navient (NAVI) reported federal education loans — interest expense operating of $363M in Q1 2026.
How has Navient's federal education loans — interest expense operating changed year-over-year?
Navient's federal education loans — interest expense operating decreased by 20.0% year-over-year, from $454M to $363M.
What is the long-term trend for Navient's federal education loans — interest expense operating?
Over 2 years (2022 to 2025), Navient's federal education loans — interest expense operating has grown at a 8.6% compound annual growth rate (CAGR), from $1.47B to $1.73B.
What does federal education loans — interest expense operating mean?
The total costs incurred by the segment related to interest-bearing liabilities, such as debt used to fund the loan portfolio. This metric represents the cost of capital required to maintain the segment's lending operations. Monitoring this is essential for evaluating the segment's net interest margin and overall funding efficiency.