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Navient NAVI Federal Education Loans — Provision For Loan Losses Expensed

Other segment segments

All Other Segments
$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: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

Document

FAQ

What is Navient's federal education loans — provision for loan losses expensed?
Navient (NAVI) reported federal education loans — provision for loan losses expensed of $8M in Q2 2026.
How has Navient's federal education loans — provision for loan losses expensed changed year-over-year?
Navient's federal education loans — provision for loan losses expensed decreased by 0.0% year-over-year, from $8M to $8M.
What does federal education loans — provision for loan losses expensed mean?
This represents the periodic expense recognized to account for anticipated credit losses within the federal education loan portfolio. It reflects management's assessment of the credit quality and potential default risk of the underlying loan assets. Higher provisions indicate an expectation of deteriorating credit performance or portfolio growth.

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