Financial insights of NAVI

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Private Education Loans	1,122
Federal Family Education Loan Program Ffelp Guaranteed Loans	1,903
Cash and investments	83
Total interest income	3,108
Total interest expense	2,589
Net interest income (loss)	519
Less provisions for loan losses	280
Net interest income (loss) after provisions for loan losses	239
Servicing revenue	51
Asset recovery and business processing revenue	23
Other income	47
Gain on sale of subsidiaries, net	0
Losses on debt repurchases	0
Gains (losses) on derivative and hedging activities, net	-30
Total other income (loss)	91
Salaries and benefits	149
Other operating expenses	272
Total operating expenses	421
Goodwill and acquired intangible asset impairment and amortization expense	3
Restructuring/other reorganization expenses	17
Total expenses	441
Income (loss) before income tax expense (benefit)	-111
Income tax expense (benefit)	-31
Net income (loss)	-80

Basic EPS	-0.81
Diluted EPS	-0.81
Basic Average Shares	99,000,000
Diluted Average Shares	99,000,000