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Cash Flow
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Cash Flow Overview
Unit: Million (M) dollars
Positive Cash Flow Breakdown
Proceeds from payments on educat...
Borrowings collateralized by loa...
Long-term unsecured notes issued
Others
Negative Cash Flow Breakdown
Borrowings collateralized by loa...
Education loans originated and a...
Total interest expense
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and investments
18
17
83
-
Interest Income Operating
663
678
3,025
-
Total interest income
681
695
747
2,361
Total interest expense
559
564
628
1,961
Net interest income (loss)
122
131
119
400
Less provisions for loan losses
27
27
44
236
Net interest income (loss) after provisions for loan losses
95
104
75
164
Servicing revenue
10
11
-
-
Asset recovery and business processing revenue
0
0
-
-
Other revenue (loss)
18
10
-
-
Total other income (loss)
28
21
18
73
Total operating expenses
82
89
88
333
Goodwill and acquired intangible asset impairment and amortization
0
4
1
2
Restructuring/other reorganization expenses
2
0
11
6
Total expenses
84
93
100
341
Income before income tax expense
39
32
-7
-104
Income tax expense (benefit)
14
15
-2
-29
Net income
25
17
-5
-75
(gain) on sale of subsidiaries, net
-
-
0
0
Losses on debt repurchases
-
-
0
-
Goodwill and acquired intangible asset impairment and amortization expense
0
4
1
2
Stock-based compensation expense
3
3
5
16
Mark-to-market (gains) losses on derivative and hedging activities, net
14
14
-15
-109
Provisions for loan losses
27
27
44
236
Decrease in accrued interest receivable
18
-38
0
-76
Increase (decrease) in accrued interest payable
44
-42
38
-41
Decrease (increase) in other assets
-78
51
-71
13
(decrease) in other liabilities
-2
-29
5
-43
Total adjustments
118
-64
179
342
Net cash provided by operating activities
143
-47
174
267
Education loans originated and acquired
772
947
692
1,790
Principal payments on education loans
-
-
5,182
-
Proceeds from payments on education loans
1,384
-2,099
-
3,721
Other investing activities, net
-27
-16
22
-9
Disposal of a subsidiaries, net of cash disposed of
-
-
25
-
Disposal of subsidiaries, net of cash and restricted cash disposed of
0
-25
-
25
Net cash provided by investing activities
639
691
747
1,965
Borrowings collateralized by loans in trust - issued
1,269
680
540
1,622
Borrowings collateralized by loans in trust - repaid
1,723
1,456
1,378
3,967
Asset-backed commercial paper conduits, net
-319
192
141
35
Long-term unsecured notes issued
496
-
0
495
Long-term unsecured notes repaid
506
0
0
554
Other financing activities, net
27
5
49
39
Common stock repurchased
3
23
26
85
Common dividends paid
15
15
15
48
Net cash used in financing activities
-774
-617
-689
-2,463
Net increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents
8
27
232
-231
Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period
2,131
2,104
1,872
2,103
Cash, cash equivalents, restricted cash and restricted cash equivalents at end of period
2,139
-
-
-
Interest paid
1,103
-
-
-
Income taxes paid
30
-
-
-
Income taxes refunded
6
-
-
-
Cash and cash equivalents
770
-
-
-
Restricted cash and restricted cash equivalents
1,369
-
-
-
Total cash, cash equivalents, restricted cash and restricted cash equivalents at end of period
2,139
2,131
2,104
1,872
Page 1
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Interest Income
Operating
$663M
Cash and investments
$18M
Total interest income
$681M
Net interest income
(loss)
$122M
Other revenue (loss)
$18M
Servicing revenue
$10M
Canceled cashflow
$559M
Net interest income
(loss) after...
$95M
Total other income
(loss)
$28M
Canceled cashflow
$27M
Total interest
expense
$559M
Decrease (increase) in
other assets
-$78M
Increase (decrease) in
accrued interest...
$44M
Income before income
tax expense
$39M
Provisions for loan losses
$27M
Stock-based compensation
expense
$3M
Canceled cashflow
$84M
Less provisions for
loan losses
$27M
Proceeds from payments on
education loans
$1,384M
Total adjustments
$118M
Net income
$25M
Other investing
activities, net
-$27M
Canceled cashflow
$34M
Canceled cashflow
$14M
Total expenses
$84M
Net cash provided by
investing activities
$639M
Net cash provided by
operating activities
$143M
Canceled cashflow
$772M
Decrease in accrued
interest receivable
$18M
Mark-to-market (gains) losses
on derivative and...
$14M
(decrease) in other
liabilities
-$2M
Income tax expense
(benefit)
$14M
Total operating
expenses
$82M
Restructuring/other reorganization
expenses
$2M
Net increase
(decrease) in cash, cash...
$8M
Canceled cashflow
$774M
Education loans
originated and acquired
$772M
Borrowings collateralized
by loans in trust -...
$1,269M
Long-term unsecured notes
issued
$496M
Other financing
activities, net
$27M
Net cash used in
financing activities
-$774M
Canceled cashflow
$1,792M
Borrowings collateralized
by loans in trust -...
$1,723M
Long-term unsecured notes
repaid
$506M
Asset-backed commercial
paper conduits, net
-$319M
Common dividends paid
$15M
Common stock
repurchased
$3M
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NAVIENT CORP (NAVI)
NAVIENT CORP (NAVI)