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Navient NAVI Federal Education Loans — Interest Income Expense Net
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Where this comes from
Reported directly by Navient in its filing.
Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.
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 GAAP | Adjustments / Reclassi-fications | Adjustments / Additions/(Subtractions) | Adjustments / Total Adjustments (1) | Total Core Earnings | Reportable Segments / Consumer Lending | Reportable Segments / Federal Education Loans | Reportable Segments / Business Processing | Reportable Segments / Other |
|---|---|---|---|---|---|---|---|---|---|
| Cash and investments | 18 | 5 | 8 | — | 5 | ||||
| Total interest income | 682 | 278 | 399 | — | 5 | ||||
| Total interest expense | 560 | 185 | 351 | — | 26 | ||||
| Net interest income (loss) | 122 | $1 | $(3) | $(2) | $120 | 93 | 48 | — | (21) |
| Less: provisions for loan losses | 26 | 26 | 18 | 8 | — | — | |||
| Net interest income (loss) after provisions for loan losses | 96 | 75 | 40 | — | (21) | ||||
| Other income (loss): | |||||||||
| Servicing revenue | 10 | 2 | 8 | — | — |
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FAQ
- What is Navient's federal education loans — interest income expense net?
- Navient (NAVI) reported federal education loans — interest income expense net of $48M in Q2 2026.
- How has Navient's federal education loans — interest income expense net changed year-over-year?
- Navient's federal education loans — interest income expense net decreased by 12.7% year-over-year, from $55M to $48M.
- What is the long-term trend for Navient's federal education loans — interest income expense net?
- Over 4 years (2021 to 2025), Navient's federal education loans — interest income expense net has grown at a -22.0% compound annual growth rate (CAGR), from $576M to $213M.
- What does federal education loans — interest income expense net mean?
- The difference between total interest income and total interest expense for the segment, representing the net interest spread. This is a fundamental measure of the segment's core profitability and its ability to manage the cost of funds relative to asset yields. A stable or expanding net interest income is a key indicator of sustainable segment performance.
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