What is Navient's restricted cash?

Navient (NAVI) reported restricted cash of $1.51B in Q1 2026.

How has Navient's restricted cash changed year-over-year?

Navient's restricted cash increased by 6.9% year-over-year, from $1.41B to $1.51B.

What is the long-term trend for Navient's restricted cash?

Over 5 years (2020 to 2025), Navient's restricted cash has grown at a -9.0% compound annual growth rate (CAGR), from $2.35B to $1.47B.

What does restricted cash mean?

Cash restricted for specific purposes by contractual, regulatory, or legal requirements — not available for general corporate use.

Navient NAVI Restricted Cash

Restricted Cash at other companies

NelnetNNI

$308.18M-2.8%

SoFi Technologies, Inc.SOFI

$360.23M-42.9%

Enova InternationalENVA

$325.23M+26.9%

EFC

Ellington Financial Inc.EFC

$28.3M+102%

Claros Mortgage TrustCMTG

$13.66M-35.1%

MFA FinancialMFA

$189.24M-13.8%

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$795.15M-41.8%

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:RestrictedCashAndCashEquivalents.

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 restricted cash?: Navient (NAVI) reported restricted cash of $1.51B in Q1 2026.
How has Navient's restricted cash changed year-over-year?: Navient's restricted cash increased by 6.9% year-over-year, from $1.41B to $1.51B.
What is the long-term trend for Navient's restricted cash?: Over 5 years (2020 to 2025), Navient's restricted cash has grown at a -9.0% compound annual growth rate (CAGR), from $2.35B to $1.47B.
What does restricted cash mean?: Cash restricted for specific purposes by contractual, regulatory, or legal requirements — not available for general corporate use.