Filing Flows › Navient Holdings (NAVI) › Q3 2026 › vs Q3 2025
Navient Holdings (NAVI) Q3 2026 vs Q3 2025 (year over year)
Navient Holdings's revenue rose $156M (+97%) from $161M in Q3 2025 to $317M in Q3 2026. The biggest changes: Noninterest income +$183M (+963%); Net interest income −$27.0M (-19%). Operating margin 4.1% against -72.7% (+76.8 pts).
Navient Holdings, Q3 2026: revenue $317M (+97% year over year), operating margin 4.1%, net earnings $15.0M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 4.1% | -72.7% | +76.8 pts |
| Net margin | 4.7% | -53.4% | +58.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $115M | $142M | −$27.0M | -19% |
| Noninterest income | $202M | $19.0M | $183M | +963% |
| Revenue | $317M | $161M | $156M | +97% |
| Operating profit | $13.0M | −$117M | $130M | — |
| Costs & expenses | $304M | $278M | $26.0M | +9% |
| Pre-tax earnings | $13.0M | −$117M | $130M | — |
| Credit loss provision | $227M | $168M | $59.0M | +35% |
| Noninterest expense | $77.0M | $110M | −$33.0M | -30% |
| Income tax benefit | $2.0M | $31.0M | −$29.0M | -94% |
| Net earnings | $15.0M | −$86.0M | $101M | — |
Questions
How much did Navient Holdings's revenue grow year over year in Q3 2026?
Navient Holdings's revenue rose $156M (+97%) from $161M in Q3 2025 to $317M in Q3 2026.
What drove Navient Holdings's revenue change in Q3 2026?
Noninterest income +$183M (+963%); Net interest income −$27.0M (-19%).