Navient (NAVI) Loans - Loss Allowance (2013 - 2026)
Navient's Loans - Loss Allowance was $426 million in Q2 2026, down 19.6% from $530 million a year earlier and down 11.1% from the prior quarter.
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Analysis
Navient (NAVI) Loans - Loss Allowance (2013 - 2026) Analysis & Trends
At the end of FY2025, Loans - Loss Allowance at Navient came in at $537 million, down 13.5% from FY2024.
- Loans - Loss Allowance has now declined for five consecutive years, with a five-year compound annual growth rate of -17.2% (FY2020 to FY2025).
- In earlier years, Loans - Loss Allowance was $621 million in FY2024 (-25.4%), $832 million in FY2023 (-18.6%), $1.02 billion in FY2022 (-19.6%) and $1.27 billion in FY2021 (-7.7%).
- The Q2 2026 figure marks the lowest quarterly Loans - Loss Allowance in data going back to Q4 2013.
- Compared with a year earlier, Loans - Loss Allowance has declined for 22 straight quarters, with an average decline of 19.1% over the last eight quarters.
- Across the past five years, year-over-year decline in Loans - Loss Allowance ran from 4.3% in Q1 2022 to 26.5% in Q2 2023.
- Per Business Quant data, NAVI's Loans - Loss Allowance in the three quarters before Q2 2026 was $479 million (Q1 2026), $537 million (Q4 2025) and $592 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Loans - Loss Allowance (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.26 Bn | 28.94 Bn | - | - |
| 2 | Orix | 42.40 Bn | 42.90 Bn | - | - |
| 3 | Royalty Pharma | 33.56 Bn | 33.47 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 24.47 Bn | 24.47 Bn | - | 8.51 Bn |
| 5 | Affirm Holdings | 23.34 Bn | 17.03 Bn | - | 563.30 Mn |
| 6 | Synchrony Financial | 23.06 Bn | -44.91 Bn | - | 10.31 Bn |
| 7 | Royal Gold | 19.98 Bn | 19.21 Bn | 390.45 Mn | - |
| 8 | Annaly Capital Management | 14.18 Bn | 5.27 Bn | - | - |
| 9 | Ares Capital | 13.71 Bn | 11.15 Bn | - | - |
| 10 | Navient | 850.62 Mn | -1.75 Bn | - | 426.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 426.00 Mn |
| Mar 31, 2026 | 479.00 Mn |
| Dec 31, 2025 | 537.00 Mn |
| Sep 30, 2025 | 592.00 Mn |
| Jun 30, 2025 | 530.00 Mn |
| Mar 31, 2025 | 579.00 Mn |
| Dec 31, 2024 | 621.00 Mn |
| Sep 30, 2024 | 651.00 Mn |
| Jun 30, 2024 | 687.00 Mn |
| Mar 31, 2024 | 744.00 Mn |
| Dec 31, 2023 | 832.00 Mn |
| Sep 30, 2023 | 845.00 Mn |
| Jun 30, 2023 | 857.00 Mn |
| Mar 31, 2023 | 920.00 Mn |
| Dec 31, 2022 | 1.02 Bn |
| Sep 30, 2022 | 1.09 Bn |
| Jun 30, 2022 | 1.17 Bn |
| Mar 31, 2022 | 1.22 Bn |
| Dec 31, 2021 | 1.27 Bn |
| Sep 30, 2021 | 1.25 Bn |
API Access
Navient Loans - Loss Allowance API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=loans-loss-allowance&ticker=NAVI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "loans-loss-allowance", "ticker": "NAVI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=loans-loss-allowance&ticker=NAVI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();