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+8.6% | $48M+92.0% | $53M+190% | $53M+458% | $35M+300% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $1M0.0% | $1M0.0% | $1M+100% | $1M0.0% | $1M-33.3% | |
| Federal Education Loans | -$1M— | -$1M— | —— | —— | —— | |
| Net Income Loss by Business | ||||||
| All Other Segments | -$164M+31.7% | -$172M+33.6% | -$175M+41.7% | -$205M+37.9% | -$240M+27.1% | |
| Business Processing | $0— | $2M— | —— | —— | —— | |
| Consumer Lending | $9M-94.7% | $20M-89.8% | $32M-84.5% | $135M-42.6% | $169M-32.4% | |
| Federal Education Loans | $113M+27.0% | $115M+9.5% | $99M-37.3% | $91M-59.6% | $89M-67.4% | |
| Asset Recovery And Business Processing Revenue by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0-100% | $23M-91.5% | $66M-78.6% | $136M-58.0% | $217M-33.4% | |
| 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 | $12M+33.3% | $12M+20.0% | $10M-16.7% | $9M-30.8% | $9M-30.8% | |
| Federal Education Loans | $51M+24.4% | $50M+13.6% | $36M-30.8% | $37M-30.2% | $41M-19.6% | |
| Noninterest Income by Business | ||||||
| All Other Segments | $38M+8.6% | $48M+92.0% | $53M+382% | $53M+2,550% | $35M— | |
| Business Processing | $0-100% | $23M-95.0% | $38M-92.8% | $327M+0.9% | $408M+25.2% | |
| Consumer Lending | $12M+33.3% | $12M+20.0% | $10M-16.7% | $9M-35.7% | $9M-43.8% | |
| Federal Education Loans | $36M-16.3% | $38M-24.0% | $35M-43.5% | $36M-45.5% | $43M-32.8% | |
| Noninterest Expense by Business | ||||||
| All Other Segments | $180M-31.8% | $202M-26.3% | $208M-31.6% | $241M-26.1% | $264M-17.0% | |
| Business Processing | $0-100% | $20M-91.2% | $60M-76.7% | $117M-57.3% | $179M-37.6% | |
| Consumer Lending | $152M+4.1% | $148M+3.5% | $149M+8.8% | $148M+8.0% | $146M+0.7% | |
| Federal Education Loans | $65M-14.5% | $68M-8.1% | $73M+4.3% | $77M+14.9% | $76M+10.1% | |
| Interest Income Expense Net by Business | ||||||
| All Other Segments | -$75M+8.5% | -$73M+17.0% | -$73M+26.3% | -$78M+27.8% | -$82M+27.4% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $398M-16.7% | $411M-17.6% | $423M-18.0% | $447M-17.8% | $478M-14.8% | |
| Federal Education Loans | $210M+32.9% | $213M+31.5% | $205M-4.7% | $180M-46.4% | $158M-61.4% | |
| Total Assets by Business | ||||||
| All Other Segments | $4.9B-16.9% | $4.8B-21.3% | $4.8B-22.6% | $5.4B-11.5% | $5.9B-6.3% | |
| Business Processing | $0-100% | $0-100% | $103M-91.4% | $198M-86.7% | $555M-63.6% | |
| Consumer Lending | $66.42B-2.1% | $66.48B-3.3% | $66.74B-4.5% | $67.21B-5.7% | $67.85B-6.9% | |
| Federal Education Loans | $124.88B-9.9% | $127.91B-11.9% | $130.68B-14.6% | $133.62B-17.3% | $138.57B-17.9% | |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest by Business | ||||||
| All Other Segments | -21,700,000,000%+9,400,000,000pp | -22,700,000,000%+11,000,000,000pp | -22,800,000,000%+16,400,000,000pp | -26,600,000,000%+16,600,000,000pp | -31,100,000,000%+12,000,000,000pp | |
| Business Processing | 0%— | 300,000,000%— | —— | —— | —— | |
| Consumer Lending | 1,400,000,000%-20,400,000,000pp | 2,700,000,000%-22,700,000,000pp | 4,000,000,000%-22,700,000,000pp | 17,200,000,000%-13,600,000,000pp | 21,800,000,000%-11,100,000,000pp | |
| Federal Education Loans | 14,900,000,000%+3,200,000,000pp | 15,200,000,000%+1,500,000,000pp | 13,100,000,000%-7,700,000,000pp | 12,100,000,000%-17,400,000,000pp | 11,700,000,000%-24,000,000,000pp | |
| Other Expenses by Business | ||||||
| All Other Segments | $16M-56.8% | $18M-61.7% | $19M-70.5% | $30M-57.7% | $37M-53.5% | |
| Business Processing | $0-100% | $19M-90.9% | $55M-76.9% | $108M-56.8% | $165M-36.0% | |
| Consumer Lending | $63M+14.5% | $59M+7.3% | $59M-3.3% | $55M-1.8% | $55M-6.8% | |
| Federal Education Loans | $3M-25.0% | $2M-60.0% | $3M-29.4% | $3M-45.5% | $4M-15.8% | |
| Operating Expenses by Business | ||||||
| All Other Segments | $165M-26.0% | $184M-21.7% | $197M-26.2% | $216M-28.7% | $223M-24.7% | |
| Business Processing | $0-100% | $20M-91.2% | $60M-76.7% | $117M-57.3% | $179M-37.6% | |
| Consumer Lending | $152M+4.1% | $148M+3.5% | $149M+8.8% | $148M+8.0% | $146M+0.7% | |
| Federal Education Loans | $65M-14.5% | $68M-8.1% | $73M+4.3% | $77M+14.9% | $76M+10.1% | |
| Interest Income Operating by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $1.11B-9.1% | $1.12B-11.0% | $1.14B-11.8% | $1.18B-11.4% | $1.22B-9.8% | |
| Federal Education Loans | $1.81B-18.7% | $1.9B-20.5% | $2B-22.2% | $2.1B-23.6% | $2.23B-22.3% | |
| Income Tax Expense Benefit by Business | ||||||
| All Other Segments | -$53M+25.4% | -$55M+29.5% | -$53M+42.4% | -$61M+40.2% | -$71M+30.4% | |
| Business Processing | $0— | $1M— | —— | —— | —— | |
| Consumer Lending | $5M-89.8% | $7M-87.9% | $8M-86.9% | $37M-49.3% | $49M-38.0% | |
| Federal Education Loans | $36M+28.6% | $37M+15.6% | $32M-36.0% | $30M-57.1% | $28M-66.7% | |
| Unallocated Shared Services Expenses by Business | ||||||
| All Other Segments | $165M-26.0% | $184M-21.7% | $197M-26.2% | $216M-28.7% | $223M-24.7% | |
| 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 | $23M-37.8% | $23M-42.5% | $25M-47.9% | $31M-39.2% | $37M-24.5% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $1.13B-9.2% | $1.14B-11.1% | $1.16B-12.1% | $1.2B-11.7% | $1.24B-9.9% | |
| Federal Education Loans | $1.85B-19.7% | $1.94B-21.8% | $2.04B-23.4% | $2.16B-24.0% | $2.3B-21.8% | |
| Corporate Expenses by Business | ||||||
| All Other Segments | $81M-13.8% | $84M-14.3% | $90M-12.8% | $92M-17.5% | $94M-22.8% | |
| Business Processing | $0-100% | $0-100% | $1M-78.9% | $2M-63.6% | $3M-52.0% | |
| Consumer Lending | $1M-50.0% | $1M-66.7% | $1M-73.3% | $2M-42.9% | $2M-38.5% | |
| Federal Education Loans | $1M-75.0% | $2M-50.0% | $2M-57.9% | $3M-45.5% | $4M-36.0% | |
| Notes Receivable Net by Business | ||||||
| Consumer Lending | $62.09B-2.5% | $62.13B-3.8% | $62.39B-5.1% | $62.94B-6.2% | $63.65B-7.2% | |
| Federal Education Loans | $113.95B-9.2% | $116.96B-10.9% | $119.67B-13.5% | $122.24B-16.5% | $125.56B-18.6% | |
| Direct Operating Costs by Business | ||||||
| All Other Segments | $0— | $0— | $0— | $0— | $0— | |
| Business Processing | $0-100% | $20M-91.2% | $60M-76.7% | $117M-57.3% | $179M-37.6% | |
| Consumer Lending | $152M+4.1% | $148M+3.5% | $149M+8.8% | $148M+8.0% | $146M+0.7% | |
| Federal Education Loans | $65M-14.5% | $68M-8.1% | $73M+4.3% | $77M+14.9% | $76M+10.1% | |
| Interest Expense Operating by Business | ||||||
| All Other Segments | $98M-17.6% | $96M-25.0% | $98M-33.3% | $109M-31.4% | $119M— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $731M-4.6% | $731M-7.0% | $736M-8.3% | $751M-7.6% | $766M— | |
| Federal Education Loans | $1.64B-23.6% | $1.73B-25.5% | $1.83B-25.1% | $1.98B-21.0% | $2.15B— | |
| Expense Related To Distribution Or Servicing And Underwriting Fees by Business | ||||||
| All Other Segments | $2M-77.8% | $5M-16.7% | $7M+75.0% | $11M— | $9M— | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $53M-5.4% | $54M0.0% | $55M+2.3% | $57M+6.5% | $56M+3.2% | |
| Federal Education Loans | $62M-1.6% | $65M+14.0% | $67M+31.4% | $69M+56.8% | $63M+40.0% | |
| Interest Income Expense After Provision For Loan Loss by Business | ||||||
| All Other Segments | -$75M+8.5% | -$73M+17.0% | -$73M+26.3% | -$78M+27.8% | -$82M+27.4% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $154M-56.6% | $163M-57.9% | $179M-54.3% | $311M-27.8% | $355M-22.5% | |
| Federal Education Loans | $178M+18.7% | $182M+13.0% | $169M-21.8% | $162M-45.3% | $150M-58.6% | |
| Cash And Investments Interest Income Loss by Business | ||||||
| All Other Segments | $23M-37.8% | $23M-42.5% | $25M-47.9% | $31M-39.2% | $37M-24.5% | |
| Business Processing | $0— | $0— | $0— | $0— | $0— | |
| Consumer Lending | $19M-17.4% | $20M-20.0% | $20M-25.9% | $21M-25.0% | $23M-17.9% | |
| Federal Education Loans | $37M-51.3% | $39M-56.2% | $43M-55.2% | $58M-35.6% | $76M-5.0% | |
| Information Technology And Data Processing by Business | ||||||
| All Other Segments | $66M-20.5% | $77M-8.3% | $81M-2.7% | $83M+0.6% | $83M+0.3% | |
| Business Processing | $0-100% | $1M-93.3% | $4M-75.8% | $7M-61.1% | $11M-40.5% | |
| Consumer Lending | $35M+6.1% | $34M+9.7% | $34M+16.2% | $34M+19.3% | $33M+14.8% | |
| Federal Education Loans | $0-100% | $0-100% | $1M-90.9% | $2M-85.7% | $5M-66.7% | |
| Restructuring Charges by Business | ||||||
| All Other Segments | $15M-63.4% | $18M-53.8% | $11M-70.3% | $25M+8.7% | $41M+86.4% | |
| 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+98.4% | $248M+121% | $244M+96.8% | $136M+20.4% | $123M+19.4% | |
| Federal Education Loans | $32M+500% | $15M+1,400% | $20M+2,100% | $2M-95.0% | -$8M-117% | |
| Interest Receivable And Other Assets by Business | ||||||
| Consumer Lending | $2.22B-0.7% | $2.22B-0.5% | $2.22B-0.7% | $2.23B+0.9% | $2.24B+0.8% | |
| Federal Education Loans | $7.05B-3.7% | $7.13B-5.8% | $7.27B-7.8% | $7.27B-11.1% | $7.32B-13.2% | |
| Cash And Investments Including Restricted Cash And Investments by Business | ||||||
| Consumer Lending | $2.11B+7.5% | $2.13B+9.0% | $2.13B+10.3% | $2.04B+1.0% | $1.97B-5.2% | |
| Federal Education Loans | $3.88B-31.8% | $3.82B-40.2% | $3.74B-46.2% | $4.12B-41.6% | $5.7B-5.3% |
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.
