Navient NAVI Business Segments
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Other Revenue Loss by Business | ||||||
| All Other Segments | $5M+66.7% | $3M-70.0% | $10M-50.0% | $20M+33.3% | $15M+87.5% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $0-100% | $1M— | $0— | $0— | $0-100% | |
| Federal Education Loans | $0— | $0— | $0+100% | -$1M— | $0— | |
| Net Income Loss by Business | ||||||
| All Other Segments | -$38M+22.4% | -$49M-16.7% | -$42M-20.0% | -$35M+23.9% | -$46M+11.5% | |
| Business Processing | $0— | $0— | $0— | $0-100% | $2M— | |
| Consumer Lending | $35M+45.8% | $24M+132% | -$76M-392% | $26M-43.5% | $46M+27.8% | |
| Federal Education Loans | $22M-15.4% | $26M-25.7% | $35M+16.7% | $30M+25.0% | $24M+140% | |
| Asset Recovery And Business Processing Revenue by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0-100% | $23M-46.5% | |
| Consumer Lending | $0— | $0— | $0— | $0— | $0— | |
| Federal Education Loans | $0— | $0— | $0— | $0— | $0— | |
| Servicing Revenue by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $3M0.0% | $3M0.0% | $3M0.0% | $3M0.0% | $3M+200% | |
| Federal Education Loans | $11M-42.1% | $19M+90.0% | $10M-9.1% | $11M+10.0% | $10M+100% | |
| Noninterest Income by Business | ||||||
| All Other Segments | $5M+66.7% | $3M-70.0% | $10M-50.0% | $20M+33.3% | $15M+87.5% | |
| Business Processing | $0— | $0— | $0— | $0-100% | $23M+53.3% | |
| Consumer Lending | $3M0.0% | $3M0.0% | $3M0.0% | $3M0.0% | $3M+200% | |
| Federal Education Loans | $8M0.0% | $8M-20.0% | $10M0.0% | $10M0.0% | $10M+100% | |
| Noninterest Expense by Business | ||||||
| All Other Segments | $34M-33.3% | $51M+6.3% | $48M+2.1% | $47M-16.1% | $56M-1.8% | |
| Business Processing | $0— | $0— | $0— | $0-100% | $20M-50.0% | |
| Consumer Lending | $39M+21.9% | $32M-28.9% | $45M+25.0% | $36M+2.9% | $35M+6.1% | |
| Federal Education Loans | $16M0.0% | $16M0.0% | $16M-5.9% | $17M-10.5% | $19M-9.5% | |
| Interest Income Expense Net by Business | ||||||
| All Other Segments | -$20M-5.3% | -$19M-11.8% | -$17M+10.5% | -$19M-5.6% | -$18M+5.3% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $100M-4.8% | $105M+7.1% | $98M+3.2% | $95M-15.9% | $113M-3.4% | |
| Federal Education Loans | $46M+4.5% | $44M-32.3% | $65M+18.2% | $55M+12.2% | $49M+36.1% | |
| Total Assets by Business | ||||||
| All Other Segments | $1.3B0.0% | $1.3B+18.2% | $1.1B-8.3% | $1.2B0.0% | $1.2B-7.7% | |
| Business Processing | $0— | $0— | $0— | $0— | $0-100% | |
| Consumer Lending | $16.73B+1.1% | $16.55B0.0% | $16.54B-0.4% | $16.6B-1.1% | $16.79B-0.1% | |
| Federal Education Loans | $29.97B-2.9% | $30.86B-2.5% | $31.66B-2.2% | $32.39B-1.9% | $33B-1.8% | |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest by Business | ||||||
| All Other Segments | -4,900,000,000%+1,800,000,000pp | -6,700,000,000%-1,200,000,000pp | -5,500,000,000%-900,000,000pp | -4,600,000,000%+1,300,000,000pp | -5,900,000,000%+900,000,000pp | |
| Business Processing | 0%— | 0%— | 0%— | 0%-300,000,000pp | 300,000,000%— | |
| Consumer Lending | 4,600,000,000%+1,200,000,000pp | 3,400,000,000%+13,300,000,000pp | -9,900,000,000%-13,200,000,000pp | 3,300,000,000%-2,600,000,000pp | 5,900,000,000%+1,200,000,000pp | |
| Federal Education Loans | 2,900,000,000%-500,000,000pp | 3,400,000,000%-1,200,000,000pp | 4,600,000,000%+600,000,000pp | 4,000,000,000%+800,000,000pp | 3,200,000,000%+1,900,000,000pp | |
| Other Expenses by Business | ||||||
| All Other Segments | $3M0.0% | $3M-25.0% | $4M-33.3% | $6M+20.0% | $5M+25.0% | |
| Business Processing | $0— | $0— | $0— | $0-100% | $19M-47.2% | |
| Consumer Lending | $15M+50.0% | $10M-60.0% | $25M+92.3% | $13M+18.2% | $11M+10.0% | |
| Federal Education Loans | $1M0.0% | $1M— | $0-100% | $1M— | $0-100% | |
| Operating Expenses by Business | ||||||
| All Other Segments | $34M-15.0% | $40M-9.1% | $44M-6.4% | $47M-11.3% | $53M0.0% | |
| Business Processing | $0— | $0— | $0— | $0-100% | $20M-50.0% | |
| Consumer Lending | $39M+21.9% | $32M-28.9% | $45M+25.0% | $36M+2.9% | $35M+6.1% | |
| Federal Education Loans | $16M0.0% | $16M0.0% | $16M-5.9% | $17M-10.5% | $19M-9.5% | |
| Interest Income Operating by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $277M-2.5% | $284M+2.9% | $276M+1.1% | $273M-5.5% | $289M-4.0% | |
| Federal Education Loans | $401M-9.7% | $444M-8.3% | $484M+0.2% | $483M-2.0% | $493M-8.0% | |
| Income Tax Expense Benefit by Business | ||||||
| All Other Segments | -$11M+38.9% | -$18M-38.5% | -$13M-18.2% | -$11M+15.4% | -$13M+18.8% | |
| Business Processing | $0— | $0— | $0— | $0-100% | $1M— | |
| Consumer Lending | $11M+10.0% | $10M+143% | -$23M-429% | $7M-46.2% | $13M+18.2% | |
| Federal Education Loans | $7M-12.5% | $8M-27.3% | $11M+10.0% | $10M+25.0% | $8M+167% | |
| Unallocated Shared Services Expenses by Business | ||||||
| All Other Segments | $34M-15.0% | $40M-9.1% | $44M-6.4% | $47M-11.3% | $53M0.0% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $0— | $0— | $0— | $0— | $0— | |
| Federal Education Loans | $0— | $0— | $0— | $0— | $0— | |
| Interest And Dividend Income Operating by Business | ||||||
| All Other Segments | $5M0.0% | $5M-16.7% | $6M-14.3% | $7M+40.0% | $5M-28.6% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $281M-2.8% | $289M+2.8% | $281M+1.1% | $278M-5.4% | $294M-3.9% | |
| Federal Education Loans | $409M-9.7% | $453M-8.3% | $494M+0.2% | $493M-2.0% | $503M-8.4% | |
| Corporate Expenses by Business | ||||||
| All Other Segments | $21M+5.0% | $20M-4.8% | $21M+10.5% | $19M-20.8% | $24M-7.7% | |
| Business Processing | $0— | $0— | $0— | $0— | $0-100% | |
| Consumer Lending | $0— | $0— | $0-100% | $1M— | $0— | |
| Federal Education Loans | $0-100% | $1M— | $0— | $0-100% | $1M0.0% | |
| Notes Receivable Net by Business | ||||||
| Consumer Lending | $15.65B+1.3% | $15.45B0.0% | $15.46B-0.5% | $15.53B-1.0% | $15.69B-0.2% | |
| Federal Education Loans | $27.24B-3.2% | $28.14B-2.8% | $28.95B-2.2% | $29.62B-2.1% | $30.24B-2.0% | |
| Direct Operating Costs by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0-100% | $20M-50.0% | |
| Consumer Lending | $39M+21.9% | $32M-28.9% | $45M+25.0% | $36M+2.9% | $35M+6.1% | |
| Federal Education Loans | $16M0.0% | $16M0.0% | $16M-5.9% | $17M-10.5% | $19M-9.5% | |
| Interest Expense Operating by Business | ||||||
| All Other Segments | $25M+4.2% | $24M+4.3% | $23M-11.5% | $26M+13.0% | $23M-11.5% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $181M-1.6% | $184M+0.5% | $183M0.0% | $183M+1.1% | $181M-4.2% | |
| Federal Education Loans | $363M-11.2% | $409M-4.7% | $429M-2.1% | $438M-3.5% | $454M-11.5% | |
| Expense Related To Distribution Or Servicing And Underwriting Fees by Business | ||||||
| All Other Segments | $0— | $0— | $0-100% | $2M-33.3% | $3M+50.0% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $14M+7.7% | $13M+8.3% | $12M-14.3% | $14M-6.7% | $15M+7.1% | |
| Federal Education Loans | $15M0.0% | $15M-6.3% | $16M0.0% | $16M-11.1% | $18M+5.9% | |
| Interest Income Expense After Provision For Loan Loss by Business | ||||||
| All Other Segments | -$20M-5.3% | -$19M-11.8% | -$17M+10.5% | -$19M-5.6% | -$18M+5.3% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $82M+30.2% | $63M+211% | -$57M-186% | $66M-27.5% | $91M+15.2% | |
| Federal Education Loans | $37M-11.9% | $42M-19.2% | $52M+10.6% | $47M+14.6% | $41M+41.4% | |
| Cash And Investments Interest Income Loss by Business | ||||||
| All Other Segments | $5M0.0% | $5M-16.7% | $6M-14.3% | $7M+40.0% | $5M-28.6% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $4M-20.0% | $5M0.0% | $5M0.0% | $5M0.0% | $5M0.0% | |
| Federal Education Loans | $8M-11.1% | $9M-10.0% | $10M0.0% | $10M0.0% | $10M-23.1% | |
| Information Technology And Data Processing by Business | ||||||
| All Other Segments | $10M-41.2% | $17M-10.5% | $19M-5.0% | $20M-4.8% | $21M0.0% | |
| Business Processing | $0— | $0— | $0— | $0-100% | $1M-66.7% | |
| Consumer Lending | $10M+11.1% | $9M+12.5% | $8M0.0% | $8M-11.1% | $9M0.0% | |
| Federal Education Loans | $0— | $0— | $0— | $0— | $0-100% | |
| Restructuring Charges by Business | ||||||
| All Other Segments | $0-100% | $11M+175% | $4M— | $0-100% | $3M-25.0% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $0— | $0— | $0— | $0— | $0— | |
| Federal Education Loans | $0— | $0— | $0— | $0— | $0— | |
| Goodwill And Acquired Intangible Assets Impairment And Amortization Expense by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $0— | $0— | $0— | $0— | $0— | |
| Federal Education Loans | $0— | $0— | $0— | $0— | $0— | |
| Provision For Loan Losses Expensed by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $18M-57.1% | $42M-72.9% | $155M+434% | $29M+31.8% | $22M-42.1% | |
| Federal Education Loans | $9M+350% | $2M-84.6% | $13M+62.5% | $8M+200% | -$8M-214% | |
| Interest Receivable And Other Assets by Business | ||||||
| Consumer Lending | $562M-0.5% | $565M+2.0% | $554M+2.6% | $540M-2.9% | $556M-2.3% | |
| Federal Education Loans | $1.7B+1.2% | $1.68B-8.3% | $1.83B+0.1% | $1.83B+2.6% | $1.79B-1.8% | |
| Cash And Investments Including Restricted Cash And Investments by Business | ||||||
| Consumer Lending | $520M-1.7% | $529M-0.8% | $533M+0.2% | $532M-1.5% | $540M+3.1% | |
| Federal Education Loans | $1.04B+0.1% | $1.03B+18.2% | $875M-6.7% | $938M-3.6% | $973M+1.9% | |
| Goodwill by Business | ||||||
| Consumer Lending | $196M0.0% | $196M— | —— | —— | —— | |
| Federal Education Loans | $232M0.0% | $232M— | —— | —— | —— | |
| Goodwill by Product | ||||||
| Federal Education Loan Servicing | $5M0.0% | $5M— | —— | —— | —— | |
| FFELP Loans | $227M0.0% | $227M— | —— | —— | —— | |
| Private Education Legacy In School Loans | $106M0.0% | $106M— | —— | —— | —— | |
| Private Education Recent In School Loans | $13M0.0% | $13M— | —— | —— | —— | |
| Private Education Refinance Loan | $77M0.0% | $77M— | —— | —— | —— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- How does Navient break its business down?
- Navient (NAVI) reports other revenue loss by business across 4 parts — All Other Segments, Business Processing, Consumer Lending and Federal Education Loans. Each is extracted from the segment footnotes and tracked over time.
- Where does Navient's segment data come from?
- Segment breakdowns are pulled from the segment footnotes in Navient's SEC filings (the XBRL dimensional tags), so every line ties back to a reported figure. Switch between quarterly, annual, and TTM, or open any segment for its full history.
