NAVI: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

Cash Flow Overview

No enough data to generate the overview

Unit: Million (M) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30
Total interest income	2,361
Total interest expense	1,961
Net interest income (loss)	400
Less provisions for loan losses	236
Net interest income (loss) after provisions for loan losses	164
Total other income (loss)	73
Total operating expenses	333
Goodwill and acquired intangible asset impairment and amortization	2
Restructuring/other reorganization expenses	6
Total expenses	341
Income (loss) before income tax expense (benefit)	-104
Income tax expense (benefit)	-29
Net income (loss)	-75
(gain) on sale of subsidiary	0
Goodwill and acquired intangible asset impairment and amortization expense	2
Stock-based compensation expense	16
Mark-to-market (gains) losses on derivative and hedging activities, net	-109
Provisions for loan losses	236
Decrease in accrued interest receivable	-76
(decrease) in accrued interest payable	-41
(increase) decrease in other assets	13
(decrease) in other liabilities	-43
Total adjustments	342
Net cash provided by operating activities	267
Education loans originated and acquired	1,790
Proceeds from payments on education loans	3,721
Other investing activities, net	-9
Disposal of subsidiaries, net of cash and restricted cash disposed of	25
Net cash provided by investing activities	1,965
Borrowings collateralized by loans in trust - issued	1,622
Borrowings collateralized by loans in trust - repaid	3,967
Asset-backed commercial paper conduits, net-Asset Backed Securities Securitized Loans And Receivables	35
Long-term unsecured notes issued	495
Long-term unsecured notes repaid	554
Other financing activities, net	39
Common stock repurchased	85
Common dividends paid	48
Net cash used in financing activities	-2,463
Net increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents	-231
Cash and cash equivalents at beginning of period	2,103
Cash and cash equivalents at end of period	1,872

Unit: Million (M) dollars (except for numbers of shares and EPS)

Time Plot

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NAVI: the cashflow