Navient NAVI Business Segments
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM Q1 '25 | ||
|---|---|---|---|---|---|---|
| Other Revenue Loss by Business | ||||||
| All Other Segments | $38M-20.8% | $48M-9.4% | $53M0.0% | $53M+51.4% | $35M+40.0% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $1M0.0% | $1M0.0% | $1M0.0% | $1M0.0% | $1M0.0% | |
| Federal Education Loans | -$1M0.0% | -$1M— | —— | —— | —— | |
| Net Income Loss by Business | ||||||
| All Other Segments | -$164M+4.7% | -$172M+1.7% | -$175M+14.6% | -$205M+14.6% | -$240M+7.3% | |
| Business Processing | $0-100% | $2M— | —— | —— | —— | |
| Consumer Lending | $9M-55.0% | $20M-37.5% | $32M-76.3% | $135M-20.1% | $169M-13.8% | |
| Federal Education Loans | $113M-1.7% | $115M+16.2% | $99M+8.8% | $91M+2.2% | $89M-15.2% | |
| Asset Recovery And Business Processing Revenue by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0-100% | $23M-65.2% | $66M-51.5% | $136M-37.3% | $217M-19.9% | |
| 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 | $12M0.0% | $12M+20.0% | $10M+11.1% | $9M0.0% | $9M-10.0% | |
| Federal Education Loans | $51M+2.0% | $50M+38.9% | $36M-2.7% | $37M-9.8% | $41M-6.8% | |
| Noninterest Income by Business | ||||||
| All Other Segments | $38M-20.8% | $48M-9.4% | $53M0.0% | $53M+51.4% | $35M+40.0% | |
| Business Processing | $0-100% | $23M-39.5% | $38M-88.4% | $327M-19.9% | $408M-11.7% | |
| Consumer Lending | $12M0.0% | $12M+20.0% | $10M+11.1% | $9M0.0% | $9M-10.0% | |
| Federal Education Loans | $36M-5.3% | $38M+8.6% | $35M-2.8% | $36M-16.3% | $43M-14.0% | |
| Noninterest Expense by Business | ||||||
| All Other Segments | $180M-10.9% | $202M-2.9% | $208M-13.7% | $241M-8.7% | $264M-3.6% | |
| Business Processing | $0-100% | $20M-66.7% | $60M-48.7% | $117M-34.6% | $179M-21.5% | |
| Consumer Lending | $152M+2.7% | $148M-0.7% | $149M+0.7% | $148M+1.4% | $146M+2.1% | |
| Federal Education Loans | $65M-4.4% | $68M-6.8% | $73M-5.2% | $77M+1.3% | $76M+2.7% | |
| Interest Income Expense Net by Business | ||||||
| All Other Segments | -$75M-2.7% | -$73M0.0% | -$73M+6.4% | -$78M+4.9% | -$82M+6.8% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $398M-3.2% | $411M-2.8% | $423M-5.4% | $447M-6.5% | $478M-4.2% | |
| Federal Education Loans | $210M-1.4% | $213M+3.9% | $205M+13.9% | $180M+13.9% | $158M-2.5% | |
| Total Assets by Business | ||||||
| All Other Segments | $4.9B+2.1% | $4.8B0.0% | $4.8B-11.1% | $5.4B-8.5% | $5.9B-3.3% | |
| Business Processing | $0— | $0-100% | $103M-48.0% | $198M-64.3% | $555M-39.7% | |
| Consumer Lending | $66.42B-0.1% | $66.48B-0.4% | $66.74B-0.7% | $67.21B-0.9% | $67.85B-1.3% | |
| Federal Education Loans | $124.88B-2.4% | $127.91B-2.1% | $130.68B-2.2% | $133.62B-3.6% | $138.57B-4.5% | |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest by Business | ||||||
| All Other Segments | -21,700,000,000%+1,000,000,000pp | -22,700,000,000%+100,000,000pp | -22,800,000,000%+3,800,000,000pp | -26,600,000,000%+4,500,000,000pp | -31,100,000,000%+2,600,000,000pp | |
| Business Processing | 0%-300,000,000pp | 300,000,000%— | —— | —— | —— | |
| Consumer Lending | 1,400,000,000%-1,300,000,000pp | 2,700,000,000%-1,300,000,000pp | 4,000,000,000%-13,200,000,000pp | 17,200,000,000%-4,600,000,000pp | 21,800,000,000%-3,600,000,000pp | |
| Federal Education Loans | 14,900,000,000%-300,000,000pp | 15,200,000,000%+2,100,000,000pp | 13,100,000,000%+1,000,000,000pp | 12,100,000,000%+400,000,000pp | 11,700,000,000%-2,000,000,000pp | |
| Other Expenses by Business | ||||||
| All Other Segments | $16M-11.1% | $18M-5.3% | $19M-36.7% | $30M-18.9% | $37M-21.3% | |
| Business Processing | $0-100% | $19M-65.5% | $55M-49.1% | $108M-34.5% | $165M-21.1% | |
| Consumer Lending | $63M+6.8% | $59M0.0% | $59M+7.3% | $55M0.0% | $55M0.0% | |
| Federal Education Loans | $3M+50.0% | $2M-33.3% | $3M0.0% | $3M-25.0% | $4M-20.0% | |
| Operating Expenses by Business | ||||||
| All Other Segments | $165M-10.3% | $184M-6.6% | $197M-8.8% | $216M-3.1% | $223M-5.1% | |
| Business Processing | $0-100% | $20M-66.7% | $60M-48.7% | $117M-34.6% | $179M-21.5% | |
| Consumer Lending | $152M+2.7% | $148M-0.7% | $149M+0.7% | $148M+1.4% | $146M+2.1% | |
| Federal Education Loans | $65M-4.4% | $68M-6.8% | $73M-5.2% | $77M+1.3% | $76M+2.7% | |
| Interest Income Operating by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $1.11B-1.1% | $1.12B-1.5% | $1.14B-3.2% | $1.18B-3.6% | $1.22B-3.1% | |
| Federal Education Loans | $1.81B-4.8% | $1.9B-4.6% | $2B-5.1% | $2.1B-5.6% | $2.23B-7.0% | |
| Income Tax Expense Benefit by Business | ||||||
| All Other Segments | -$53M+3.6% | -$55M-3.8% | -$53M+13.1% | -$61M+14.1% | -$71M+9.0% | |
| Business Processing | $0-100% | $1M— | —— | —— | —— | |
| Consumer Lending | $5M-28.6% | $7M-12.5% | $8M-78.4% | $37M-24.5% | $49M-15.5% | |
| Federal Education Loans | $36M-2.7% | $37M+15.6% | $32M+6.7% | $30M+7.1% | $28M-12.5% | |
| Unallocated Shared Services Expenses by Business | ||||||
| All Other Segments | $165M-10.3% | $184M-6.6% | $197M-8.8% | $216M-3.1% | $223M-5.1% | |
| 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 | $23M0.0% | $23M-8.0% | $25M-19.4% | $31M-16.2% | $37M-7.5% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $1.13B-1.1% | $1.14B-1.5% | $1.16B-3.3% | $1.2B-3.7% | $1.24B-3.2% | |
| Federal Education Loans | $1.85B-4.8% | $1.94B-4.7% | $2.04B-5.6% | $2.16B-6.2% | $2.3B-7.3% | |
| Corporate Expenses by Business | ||||||
| All Other Segments | $81M-3.6% | $84M-6.7% | $90M-2.2% | $92M-2.1% | $94M-4.1% | |
| Business Processing | $0— | $0-100% | $1M-50.0% | $2M-33.3% | $3M-25.0% | |
| Consumer Lending | $1M0.0% | $1M0.0% | $1M-50.0% | $2M0.0% | $2M-33.3% | |
| Federal Education Loans | $1M-50.0% | $2M0.0% | $2M-33.3% | $3M-25.0% | $4M0.0% | |
| Notes Receivable Net by Business | ||||||
| Consumer Lending | $62.09B-0.1% | $62.13B-0.4% | $62.39B-0.9% | $62.94B-1.1% | $63.65B-1.4% | |
| Federal Education Loans | $113.95B-2.6% | $116.96B-2.3% | $119.67B-2.1% | $122.24B-2.6% | $125.56B-4.3% | |
| Direct Operating Costs by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0-100% | $20M-66.7% | $60M-48.7% | $117M-34.6% | $179M-21.5% | |
| Consumer Lending | $152M+2.7% | $148M-0.7% | $149M+0.7% | $148M+1.4% | $146M+2.1% | |
| Federal Education Loans | $65M-4.4% | $68M-6.8% | $73M-5.2% | $77M+1.3% | $76M+2.7% | |
| Interest Expense Operating by Business | ||||||
| All Other Segments | $98M+2.1% | $96M-2.0% | $98M-10.1% | $109M-8.4% | $119M-7.0% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $731M0.0% | $731M-0.7% | $736M-2.0% | $751M-2.0% | $766M-2.5% | |
| Federal Education Loans | $1.64B-5.3% | $1.73B-5.7% | $1.83B-7.4% | $1.98B-7.7% | $2.15B-7.6% | |
| Expense Related To Distribution Or Servicing And Underwriting Fees by Business | ||||||
| All Other Segments | $2M-60.0% | $5M-28.6% | $7M-36.4% | $11M+22.2% | $9M+50.0% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $53M-1.9% | $54M-1.8% | $55M-3.5% | $57M+1.8% | $56M+3.7% | |
| Federal Education Loans | $62M-4.6% | $65M-3.0% | $67M-2.9% | $69M+9.5% | $63M+10.5% | |
| Interest Income Expense After Provision For Loan Loss by Business | ||||||
| All Other Segments | -$75M-2.7% | -$73M0.0% | -$73M+6.4% | -$78M+4.9% | -$82M+6.8% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $154M-5.5% | $163M-8.9% | $179M-42.4% | $311M-12.4% | $355M-8.3% | |
| Federal Education Loans | $178M-2.2% | $182M+7.7% | $169M+4.3% | $162M+8.0% | $150M-6.8% | |
| Cash And Investments Interest Income Loss by Business | ||||||
| All Other Segments | $23M0.0% | $23M-8.0% | $25M-19.4% | $31M-16.2% | $37M-7.5% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $19M-5.0% | $20M0.0% | $20M-4.8% | $21M-8.7% | $23M-8.0% | |
| Federal Education Loans | $37M-5.1% | $39M-9.3% | $43M-25.9% | $58M-23.7% | $76M-14.6% | |
| Information Technology And Data Processing by Business | ||||||
| All Other Segments | $66M-14.3% | $77M-4.9% | $81M-2.4% | $83M0.0% | $83M-1.2% | |
| Business Processing | $0-100% | $1M-75.0% | $4M-42.9% | $7M-36.4% | $11M-26.7% | |
| Consumer Lending | $35M+2.9% | $34M0.0% | $34M0.0% | $34M+3.0% | $33M+6.5% | |
| Federal Education Loans | $0— | $0-100% | $1M-50.0% | $2M-60.0% | $5M-37.5% | |
| Restructuring Charges by Business | ||||||
| All Other Segments | $15M-16.7% | $18M+63.6% | $11M-56.0% | $25M-39.0% | $41M+5.1% | |
| 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 | $244M-1.6% | $248M+1.6% | $244M+79.4% | $136M+10.6% | $123M+9.8% | |
| Federal Education Loans | $32M+113% | $15M-25.0% | $20M+900% | $2M+125% | -$8M-900% | |
| Interest Receivable And Other Assets by Business | ||||||
| Consumer Lending | $2.22B+0.3% | $2.22B-0.2% | $2.22B-0.5% | $2.23B-0.3% | $2.24B+0.5% | |
| Federal Education Loans | $7.05B-1.2% | $7.13B-1.9% | $7.27B+0.1% | $7.27B-0.7% | $7.32B-3.4% | |
| Cash And Investments Including Restricted Cash And Investments by Business | ||||||
| Consumer Lending | $2.11B-0.9% | $2.13B+0.2% | $2.13B+4.4% | $2.04B+3.8% | $1.97B+0.4% | |
| Federal Education Loans | $3.88B+1.6% | $3.82B+2.1% | $3.74B-9.1% | $4.12B-27.7% | $5.7B-10.8% |
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.
