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How Navient Holdings (NAVI) makes money
Navient Holdings (NAVI) made $317M of revenue in the third quarter 2026 (Q3 2026), +97% from a year earlier. Noninterest income brought in $202M (64%); Net interest income brought in $115M (36%). Of every dollar of revenue, 4¢ was left as operating profit, 5¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Noninterest income | $202M | 63.7% | — | +963% |
| Net interest income | $115M | 36.3% | — | -19% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $317M | 100.0% |
| Operating profit | $13.0M | 4.1% |
| Net earnings | $15.0M | 4.7% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $317M | +97% |
From Navient Holdings' 10-Q filed Nov 4, 2026 (on EDGAR).
Questions
How does Navient Holdings make money?
Navient Holdings (NAVI) made $317M of revenue in the third quarter 2026 (Q3 2026), +97% from a year earlier. Noninterest income brought in $202M (64%); Net interest income brought in $115M (36%). Of every dollar of revenue, 4¢ was left as operating profit, 5¢ was left as net earnings.
What is Navient Holdings' biggest business?
Noninterest income: $202M in the third quarter 2026, 64% of revenue, +963% from a year earlier.
What is Navient Holdings' profit margin?
Net earnings were $15.0M, 4.7% of revenue, in the third quarter 2026; the operating margin was 4.1%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.