For the quarter ending 2025-09-30, NAVI had -$231M decrease in cash & cash equivalents over the period.
| 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 |
NAVIENT CORP (NAVI)
NAVIENT CORP (NAVI)