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-62.5% | $10M0.0% | $20M+900% | $15M+200% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $0— | $1M0.0% | $0— | $0— | $0— | |
| Federal Education Loans | $0— | $0— | $0— | -$1M-150% | $0-100% | |
| Net Income Loss by Business | ||||||
| All Other Segments | -$38M+17.4% | -$49M+5.8% | -$42M+41.7% | -$35M+50.0% | -$46M+29.2% | |
| Business Processing | $0-100% | $0— | $0-100% | $0-100% | $2M-66.7% | |
| Consumer Lending | $35M-23.9% | $24M-33.3% | -$76M-381% | $26M-56.7% | $46M-37.0% | |
| Federal Education Loans | $22M-8.3% | $26M+160% | $35M+29.6% | $30M+7.1% | $24M-40.0% | |
| Asset Recovery And Business Processing Revenue by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0-100% | $0-100% | $0-100% | $0-100% | $23M-70.1% | |
| 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% | $3M+200% | $3M+50.0% | $3M0.0% | $3M-25.0% | |
| Federal Education Loans | $11M+10.0% | $19M+280% | $10M-9.1% | $11M-26.7% | $10M-23.1% | |
| Noninterest Income by Business | ||||||
| All Other Segments | $5M-66.7% | $3M-62.5% | $10M0.0% | $20M+900% | $15M+200% | |
| Business Processing | $0-100% | $0-100% | $0-100% | $0-100% | $23M-70.1% | |
| Consumer Lending | $3M0.0% | $3M+200% | $3M+50.0% | $3M0.0% | $3M-25.0% | |
| Federal Education Loans | $8M-20.0% | $8M+60.0% | $10M-9.1% | $10M-41.2% | $10M-41.2% | |
| Noninterest Expense by Business | ||||||
| All Other Segments | $34M-39.3% | $51M-10.5% | $48M-40.7% | $47M-32.9% | $56M-15.2% | |
| Business Processing | $0-100% | $0-100% | $0-100% | $0-100% | $20M-71.0% | |
| Consumer Lending | $39M+11.4% | $32M-3.0% | $45M+2.3% | $36M+5.9% | $35M+9.4% | |
| Federal Education Loans | $16M-15.8% | $16M-23.8% | $16M-20.0% | $17M+6.3% | $19M+11.8% | |
| Interest Income Expense Net by Business | ||||||
| All Other Segments | -$20M-11.1% | -$19M0.0% | -$17M+22.7% | -$19M+17.4% | -$18M+25.0% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $100M-11.5% | $105M-10.3% | $98M-19.7% | $95M-24.6% | $113M-15.7% | |
| Federal Education Loans | $46M-6.1% | $44M+22.2% | $65M+62.5% | $55M+66.7% | $49M-7.5% | |
| Total Assets by Business | ||||||
| All Other Segments | $1.3B+8.3% | $1.3B0.0% | $1.1B-35.3% | $1.2B-29.4% | $1.2B-14.3% | |
| Business Processing | $0— | $0-100% | $0-100% | $0-100% | $0-100% | |
| Consumer Lending | $16.73B-0.3% | $16.55B-1.6% | $16.54B-2.8% | $16.6B-3.7% | $16.79B-5.1% | |
| Federal Education Loans | $29.97B-9.2% | $30.86B-8.2% | $31.66B-8.5% | $32.39B-13.3% | $33B-16.6% | |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest by Business | ||||||
| All Other Segments | -4,900,000,000%+1,000,000,000pp | -6,700,000,000%+100,000,000pp | -5,500,000,000%+3,800,000,000pp | -4,600,000,000%+4,500,000,000pp | -5,900,000,000%+2,600,000,000pp | |
| Business Processing | 0%-300,000,000pp | 0%— | 0%-23,200,000,000pp | 0%-1,900,000,000pp | 300,000,000%-500,000,000pp | |
| Consumer Lending | 4,600,000,000%-1,300,000,000pp | 3,400,000,000%-1,300,000,000pp | -9,900,000,000%-13,200,000,000pp | 3,300,000,000%-4,600,000,000pp | 5,900,000,000%-3,600,000,000pp | |
| Federal Education Loans | 2,900,000,000%-300,000,000pp | 3,400,000,000%+2,100,000,000pp | 4,600,000,000%+1,000,000,000pp | 4,000,000,000%+400,000,000pp | 3,200,000,000%-2,000,000,000pp | |
| Other Expenses by Business | ||||||
| All Other Segments | $3M-40.0% | $3M-25.0% | $4M-73.3% | $6M-53.8% | $5M-66.7% | |
| Business Processing | $0-100% | $0-100% | $0-100% | $0-100% | $19M-69.8% | |
| Consumer Lending | $15M+36.4% | $10M0.0% | $25M+19.0% | $13M0.0% | $11M0.0% | |
| Federal Education Loans | $1M— | $1M-50.0% | $0— | $1M-50.0% | $0-100% | |
| Operating Expenses by Business | ||||||
| All Other Segments | $34M-35.8% | $40M-24.5% | $44M-30.2% | $47M-13.0% | $53M-18.5% | |
| Business Processing | $0-100% | $0-100% | $0-100% | $0-100% | $20M-71.0% | |
| Consumer Lending | $39M+11.4% | $32M-3.0% | $45M+2.3% | $36M+5.9% | $35M+9.4% | |
| Federal Education Loans | $16M-15.8% | $16M-23.8% | $16M-20.0% | $17M+6.3% | $19M+11.8% | |
| Interest Income Operating by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $277M-4.2% | $284M-5.6% | $276M-12.1% | $273M-13.9% | $289M-11.9% | |
| Federal Education Loans | $401M-18.7% | $444M-17.2% | $484M-18.1% | $483M-20.6% | $493M-25.4% | |
| Income Tax Expense Benefit by Business | ||||||
| All Other Segments | -$11M+15.4% | -$18M-12.5% | -$13M+38.1% | -$11M+47.6% | -$13M+35.0% | |
| Business Processing | $0-100% | $0— | $0-100% | $0-100% | $1M-50.0% | |
| Consumer Lending | $11M-15.4% | $10M-9.1% | -$23M-483% | $7M-63.2% | $13M-40.9% | |
| Federal Education Loans | $7M-12.5% | $8M+167% | $11M+22.2% | $10M+25.0% | $8M-33.3% | |
| Unallocated Shared Services Expenses by Business | ||||||
| All Other Segments | $34M-35.8% | $40M-24.5% | $44M-30.2% | $47M-13.0% | $53M-18.5% | |
| 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-28.6% | $6M-50.0% | $7M-46.2% | $5M-37.5% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $281M-4.4% | $289M-5.6% | $281M-12.2% | $278M-14.2% | $294M-12.2% | |
| Federal Education Loans | $409M-18.7% | $453M-17.5% | $494M-19.8% | $493M-22.5% | $503M-26.5% | |
| Corporate Expenses by Business | ||||||
| All Other Segments | $21M-12.5% | $20M-23.1% | $21M-8.7% | $19M-9.5% | $24M-14.3% | |
| Business Processing | $0— | $0-100% | $0-100% | $0-100% | $0-100% | |
| Consumer Lending | $0— | $0— | $0-100% | $1M0.0% | $0-100% | |
| Federal Education Loans | $0-100% | $1M0.0% | $0-100% | $0-100% | $1M0.0% | |
| Notes Receivable Net by Business | ||||||
| Consumer Lending | $15.65B-0.3% | $15.45B-1.7% | $15.46B-3.4% | $15.53B-4.4% | $15.69B-5.5% | |
| Federal Education Loans | $27.24B-9.9% | $28.14B-8.8% | $28.95B-8.2% | $29.62B-10.1% | $30.24B-15.7% | |
| Direct Operating Costs by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0-100% | $0-100% | $0-100% | $0-100% | $20M-71.0% | |
| Consumer Lending | $39M+11.4% | $32M-3.0% | $45M+2.3% | $36M+5.9% | $35M+9.4% | |
| Federal Education Loans | $16M-15.8% | $16M-23.8% | $16M-20.0% | $17M+6.3% | $19M+11.8% | |
| Interest Expense Operating by Business | ||||||
| All Other Segments | $25M+8.7% | $24M-7.7% | $23M-32.4% | $26M-27.8% | $23M-28.1% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $181M0.0% | $184M-2.6% | $183M-7.6% | $183M-7.6% | $181M-10.0% | |
| Federal Education Loans | $363M-20.0% | $409M-20.3% | $429M-25.5% | $438M-27.4% | $454M-28.1% | |
| Expense Related To Distribution Or Servicing And Underwriting Fees by Business | ||||||
| All Other Segments | $0-100% | $0-100% | $0-100% | $2M— | $3M— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $14M-6.7% | $13M-7.1% | $12M-14.3% | $14M+7.7% | $15M+15.4% | |
| Federal Education Loans | $15M-16.7% | $15M-11.8% | $16M-11.1% | $16M+60.0% | $18M+50.0% | |
| Interest Income Expense After Provision For Loan Loss by Business | ||||||
| All Other Segments | -$20M-11.1% | -$19M0.0% | -$17M+22.7% | -$19M+17.4% | -$18M+25.0% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $82M-9.9% | $63M-20.3% | -$57M-176% | $66M-40.0% | $91M-26.0% | |
| Federal Education Loans | $37M-9.8% | $42M+44.8% | $52M+15.6% | $47M+34.3% | $41M-21.2% | |
| Cash And Investments Interest Income Loss by Business | ||||||
| All Other Segments | $5M0.0% | $5M-28.6% | $6M-50.0% | $7M-46.2% | $5M-37.5% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $4M-20.0% | $5M0.0% | $5M-16.7% | $5M-28.6% | $5M-28.6% | |
| Federal Education Loans | $8M-20.0% | $9M-30.8% | $10M-60.0% | $10M-64.3% | $10M-56.5% | |
| Information Technology And Data Processing by Business | ||||||
| All Other Segments | $10M-52.4% | $17M-19.0% | $19M-9.5% | $20M0.0% | $21M-4.5% | |
| Business Processing | $0-100% | $0-100% | $0-100% | $0-100% | $1M-80.0% | |
| Consumer Lending | $10M+11.1% | $9M0.0% | $8M0.0% | $8M+14.3% | $9M+28.6% | |
| Federal Education Loans | $0— | $0-100% | $0-100% | $0-100% | $0-100% | |
| Restructuring Charges by Business | ||||||
| All Other Segments | $0-100% | $11M+175% | $4M-77.8% | $0-100% | $3M+200% | |
| 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-18.2% | $42M+10.5% | $155M+230% | $29M+81.3% | $22M+100% | |
| Federal Education Loans | $9M+213% | $2M-71.4% | $13M+360% | $8M+500% | -$8M-900% | |
| Interest Receivable And Other Assets by Business | ||||||
| Consumer Lending | $562M+1.1% | $565M-0.7% | $554M-1.9% | $540M-1.3% | $556M+2.0% | |
| Federal Education Loans | $1.7B-4.7% | $1.68B-7.5% | $1.83B+0.3% | $1.83B-2.8% | $1.79B-12.5% | |
| Cash And Investments Including Restricted Cash And Investments by Business | ||||||
| Consumer Lending | $520M-3.7% | $529M+1.0% | $533M+20.0% | $532M+16.2% | $540M+1.5% | |
| Federal Education Loans | $1.04B+6.4% | $1.03B+8.3% | $875M-30.0% | $938M-62.7% | $973M-41.4% | |
| Goodwill by Business | ||||||
| Consumer Lending | $196M— | $196M0.0% | —— | —— | —— | |
| Federal Education Loans | $232M— | $232M0.0% | —— | —— | —— | |
| Goodwill by Product | ||||||
| Federal Education Loan Servicing | $5M— | $5M0.0% | —— | —— | —— | |
| FFELP Loans | $227M— | $227M0.0% | —— | —— | —— | |
| Private Education Legacy In School Loans | $106M— | $106M0.0% | —— | —— | —— | |
| Private Education Recent In School Loans | $13M— | $13M0.0% | —— | —— | —— | |
| Private Education Refinance Loan | $77M— | $77M0.0% | —— | —— | —— |
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.
