Navient NAVI Business Segments
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Other Revenue Loss by Business | |||||
| All Other Segments | $48M+92.0% | $25M+400% | $5M— | —— | |
| Business Processing | $0— | $0— | $0— | —— | |
| Consumer Lending | $1M0.0% | $1M-50.0% | $2M— | —— | |
| Federal Education Loans | -$1M— | —— | $14M— | —— | |
| Net Income Loss by Business | |||||
| All Other Segments | -$172M+33.6% | -$259M+22.0% | -$332M-14.5% | -$290M+41.2% | |
| Business Processing | $2M— | —— | $28M-30.0% | $40M-59.6% | |
| Consumer Lending | $20M-89.8% | $196M-31.7% | $287M-4.3% | $300M-38.9% | |
| Federal Education Loans | $115M+9.5% | $105M-67.2% | $320M-21.6% | $408M-10.3% | |
| Asset Recovery And Business Processing Revenue by Business | |||||
| All Other Segments | $0— | $0— | $0— | $0— | |
| Business Processing | $23M-91.5% | $271M-15.6% | $321M-2.7% | $330M-32.4% | |
| Consumer Lending | $0— | $0— | $0— | $0— | |
| Federal Education Loans | $0— | $0— | $0-100% | $7M-86.3% | |
| Servicing Revenue by Business | |||||
| All Other Segments | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $12M+20.0% | $10M-16.7% | $12M0.0% | $12M— | |
| Federal Education Loans | $50M+13.6% | $44M-15.4% | $52M-18.8% | $64M-60.5% | |
| Noninterest Income by Business | |||||
| All Other Segments | $48M+92.0% | $25M+933% | -$3M— | $0+100% | |
| Business Processing | $23M-95.0% | $462M+43.9% | $321M-2.7% | $330M-32.4% | |
| Consumer Lending | $12M+20.0% | $10M-33.3% | $15M+15.4% | $13M-86.6% | |
| Federal Education Loans | $38M-24.0% | $50M-24.2% | $66M-35.9% | $103M-56.7% | |
| Noninterest Expense by Business | |||||
| All Other Segments | $202M-26.3% | $274M-13.6% | $317M+14.0% | $278M-42.9% | |
| Business Processing | $20M-91.2% | $228M-20.0% | $285M+1.4% | $281M-21.9% | |
| Consumer Lending | $148M+3.5% | $143M-4.7% | $150M+1.4% | $148M-9.2% | |
| Federal Education Loans | $68M-8.1% | $74M+2.8% | $72M-31.4% | $105M-53.1% | |
| Interest Income Expense Net by Business | |||||
| All Other Segments | -$73M+17.0% | -$88M+22.8% | -$114M-29.5% | -$88M-27.5% | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $411M-17.6% | $499M-14.0% | $580M-2.5% | $595M-7.3% | |
| Federal Education Loans | $213M+31.5% | $162M-66.3% | $481M-7.3% | $519M-9.9% | |
| Total Assets by Business | |||||
| All Other Segments | $4.8B-21.3% | $6.1B+1.7% | $6B-14.3% | $7B-5.4% | |
| Business Processing | $0-100% | $921M-40.1% | $1.54B-3.9% | $1.6B-5.3% | |
| Consumer Lending | $66.48B-3.3% | $68.75B-7.9% | $74.65B-9.5% | $82.52B-4.7% | |
| Federal Education Loans | $127.91B-11.9% | $145.15B-17.1% | $175.03B-15.7% | $207.6B-11.8% | |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest by Business | |||||
| All Other Segments | -22,700,000,000%+11,000,000,000pp | -33,700,000,000%+9,700,000,000pp | -43,400,000,000%-6,800,000,000pp | -36,600,000,000%+25,900,000,000pp | |
| Business Processing | 300,000,000%— | —— | 3,600,000,000%-1,300,000,000pp | 4,900,000,000%-7,900,000,000pp | |
| Consumer Lending | 2,700,000,000%-22,700,000,000pp | 25,400,000,000%-12,300,000,000pp | 37,700,000,000%-400,000,000pp | 38,100,000,000%-25,600,000,000pp | |
| Federal Education Loans | 15,200,000,000%+1,500,000,000pp | 13,700,000,000%-28,200,000,000pp | 41,900,000,000%-9,800,000,000pp | 51,700,000,000%-7,300,000,000pp | |
| Other Expenses by Business | |||||
| All Other Segments | $18M-61.7% | $47M-45.3% | $86M+514% | $14M— | |
| Business Processing | $19M-90.9% | $209M-19.6% | $260M+1.6% | $256M— | |
| Consumer Lending | $59M+7.3% | $55M-14.1% | $64M+10.3% | $58M— | |
| Federal Education Loans | $2M-60.0% | $5M0.0% | $5M-76.2% | $21M— | |
| Operating Expenses by Business | |||||
| All Other Segments | $184M-21.7% | $235M-19.5% | $292M+20.2% | $243M-47.3% | |
| Business Processing | $20M-91.2% | $228M-20.0% | $285M+1.4% | $281M-21.9% | |
| Consumer Lending | $148M+3.5% | $143M-4.7% | $150M+1.4% | $148M-9.2% | |
| Federal Education Loans | $68M-8.1% | $74M+2.8% | $72M-31.4% | $105M-53.1% | |
| Interest Income Operating by Business | |||||
| All Other Segments | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $1.12B-11.0% | $1.26B-8.0% | $1.37B+14.6% | $1.2B+1.2% | |
| Federal Education Loans | $1.9B-20.5% | $2.4B-17.4% | $2.9B+48.4% | $1.96B+39.0% | |
| Income Tax Expense Benefit by Business | |||||
| All Other Segments | -$55M+29.5% | -$78M+23.5% | -$102M-34.2% | -$76M+42.4% | |
| Business Processing | $1M— | —— | $8M-20.0% | $10M-65.5% | |
| Consumer Lending | $7M-87.9% | $58M-35.6% | $90M+11.1% | $81M-44.5% | |
| Federal Education Loans | $37M+15.6% | $32M-67.7% | $99M-9.2% | $109M-19.3% | |
| Unallocated Shared Services Expenses by Business | |||||
| All Other Segments | $184M-21.7% | $235M-19.5% | $292M+20.2% | $243M-47.3% | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $0— | $0— | $0— | $0— | |
| Federal Education Loans | $0— | $0— | $0— | $0— | |
| Interest And Dividend Income Operating by Business | |||||
| All Other Segments | $23M-42.5% | $40M-18.4% | $49M+145% | $20M— | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $1.14B-11.1% | $1.29B-8.0% | $1.4B+15.9% | $1.21B+1.9% | |
| Federal Education Loans | $1.94B-21.8% | $2.49B-16.6% | $2.98B+49.9% | $1.99B+41.3% | |
| Corporate Expenses by Business | |||||
| All Other Segments | $84M-14.3% | $98M-21.6% | $125M-12.6% | $143M— | |
| Business Processing | $0-100% | $4M-42.9% | $7M0.0% | $7M— | |
| Consumer Lending | $1M-66.7% | $3M0.0% | $3M+200% | $1M— | |
| Federal Education Loans | $2M-50.0% | $4M-42.9% | $7M-36.4% | $11M— | |
| Notes Receivable Net by Business | |||||
| Consumer Lending | $62.13B-3.8% | $64.57B-8.1% | $70.24B-9.5% | $77.63B-2.5% | |
| Federal Education Loans | $116.96B-10.9% | $131.19B-18.3% | $160.51B-15.8% | $190.64B-13.1% | |
| Direct Operating Costs by Business | |||||
| All Other Segments | $0— | $0— | $0— | $0— | |
| Business Processing | $20M-91.2% | $228M-20.0% | $285M+1.4% | $281M-21.9% | |
| Consumer Lending | $148M+3.5% | $143M-4.7% | $150M+1.4% | $148M-9.2% | |
| Federal Education Loans | $68M-8.1% | $74M+2.8% | $72M-31.4% | $105M-53.1% | |
| Interest Expense Operating by Business | |||||
| All Other Segments | $96M-25.0% | $128M— | —— | $107M— | |
| Business Processing | $0— | $0— | —— | $0— | |
| Consumer Lending | $731M-7.0% | $786M— | —— | $611M— | |
| Federal Education Loans | $1.73B-25.5% | $2.32B— | —— | $1.47B— | |
| Expense Related To Distribution Or Servicing And Underwriting Fees by Business | |||||
| All Other Segments | $5M-16.7% | $6M— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $54M0.0% | $54M-1.8% | $55M-9.8% | $61M— | |
| Federal Education Loans | $65M+14.0% | $57M+29.5% | $44M-13.7% | $51M— | |
| Interest Income Expense After Provision For Loan Loss by Business | |||||
| All Other Segments | -$73M+17.0% | -$88M+22.8% | -$114M-29.5% | -$88M-27.5% | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $163M-57.9% | $387M-24.4% | $512M-0.8% | $516M-26.6% | |
| Federal Education Loans | $182M+13.0% | $161M-62.1% | $425M-18.1% | $519M-9.9% | |
| Cash And Investments Interest Income Loss by Business | |||||
| All Other Segments | $23M-42.5% | $40M-18.4% | $49M+145% | $20M— | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $20M-20.0% | $25M-7.4% | $27M+170% | $10M— | |
| Federal Education Loans | $39M-56.2% | $89M+15.6% | $77M+141% | $32M— | |
| Information Technology And Data Processing by Business | |||||
| All Other Segments | $77M-8.3% | $84M+3.7% | $81M-4.7% | $85M— | |
| Business Processing | $1M-93.3% | $15M-16.7% | $18M+5.9% | $17M— | |
| Consumer Lending | $34M+9.7% | $31M+6.9% | $29M+3.6% | $28M— | |
| Federal Education Loans | $0-100% | $8M-50.0% | $16M-30.4% | $23M— | |
| Restructuring Charges by Business | |||||
| All Other Segments | $18M-53.8% | $39M+56.0% | $25M-28.6% | $35M+34.6% | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $0— | $0— | $0— | $0— | |
| Federal Education Loans | $0— | $0— | $0— | $0— | |
| Goodwill And Acquired Intangible Assets Impairment And Amortization Expense by Business | |||||
| All Other Segments | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $0— | $0— | $0— | $0— | |
| Federal Education Loans | $0— | $0— | $0— | $0— | |
| Provision For Loan Losses Expensed by Business | |||||
| All Other Segments | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | |
| Consumer Lending | $248M+121% | $112M— | —— | $79M— | |
| Federal Education Loans | $15M+1,400% | $1M-98.2% | $56M— | $0— | |
| Interest Receivable And Other Assets by Business | |||||
| Consumer Lending | $2.22B-0.5% | $2.23B-0.3% | $2.23B-3.2% | $2.31B-31.7% | |
| Federal Education Loans | $7.13B-5.8% | $7.57B-11.2% | $8.52B+2.6% | $8.31B-3.2% | |
| Cash And Investments Including Restricted Cash And Investments by Business | |||||
| Consumer Lending | $2.13B+9.0% | $1.96B-10.0% | $2.18B-15.9% | $2.59B-27.5% | |
| Federal Education Loans | $3.82B-40.2% | $6.38B+6.3% | $6B-30.5% | $8.64B+19.1% |
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.
