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Financial Statements — NAVI

Balance Sheet

(in billions USD)
MetricQ2 2026Q1 2026Q3 2025Q2 2025Q1 2025Q3 2024Q2 2024Q1 2024Q3 2023Q2 2023Q1 2023Q3 2022Q2 2022Q1 2022Q3 2021Q2 2021Q1 2021
Cash & Equivalents0.770.620.570.710.641.141.090.820.981.320.571.360.980.711.051.451.50
Total Assets47.3048.0049.3150.2250.9553.4456.6259.0363.4165.6066.9173.6376.0778.1681.9483.3584.96
Long-term Debt40.1239.2441.4142.3542.8744.7047.5550.8554.9156.9457.3964.0067.7470.8375.6375.8175.67
Total Liabilities44.9045.6346.8747.6648.3650.7553.8756.2660.5262.6763.9670.6573.1475.3379.2180.6482.22
Retained Earnings4.564.554.574.674.684.694.714.694.684.634.584.414.324.173.983.833.67
Total Stockholder Equity*2.402.382.442.562.592.692.752.772.902.932.962.972.932.822.722.702.72

* Derived from reported values

Income Statement

(in billions USD) (except per-share rows)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Interest & Dividend Income0.680.700.750.780.780.800.860.950.971.031.081.171.101.071.020.880.690.630.640.66
Interest Expense----------------0.840.880.920.880.920.840.800.640.370.290.320.33
Net Interest Income0.120.130.120.140.130.130.130.120.130.150.160.290.180.230.220.240.320.340.310.33
Provision for Credit Losses0.030.030.050.170.040.030.050.040.010.010.050.070.01(0.01)0.020.030.020.020.010.02
Non-interest Income0.030.020.020.020.030.030.090.280.120.140.060.130.130.090.110.150.130.220.170.16
Non-interest Expense0.090.090.100.110.100.130.150.340.190.190.200.240.200.190.200.230.190.210.480.25
Pretax Income0.040.03(0.01)(0.12)0.02-0.000.030.010.050.09(0.04)0.110.100.140.110.140.240.33(0.01)0.22
Tax Provision0.010.02-0.00(0.03)0.00-0.000.000.010.010.02(0.01)0.030.030.030.010.030.060.080.000.05
Net Income0.030.02(0.01)(0.09)0.01-0.000.02-0.000.040.07(0.03)0.080.070.110.110.110.180.26(0.01)0.17
Basic EPS0.270.18(0.06)(0.87)0.14(0.02)0.25(0.02)0.320.65(0.19)0.660.530.870.870.751.231.690.091.05
Diluted EPS0.260.17(0.05)(0.87)0.13(0.02)0.24(0.02)0.320.64(0.18)0.650.520.860.850.751.221.670.091.04

Cash Flow Statement

(in billions USD)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Operating Cash Flow0.14(0.05)0.170.070.130.070.01(0.01)0.280.180.310.120.100.140.210.070.14(0.11)0.170.20
Investing Cash Flow0.640.690.750.560.750.660.911.963.272.332.021.661.831.853.772.862.211.751.560.89
Financing Cash Flow(0.77)(0.62)(0.69)(0.83)(0.85)(0.78)(1.60)(3.16)(2.49)(2.36)(2.34)(2.25)(1.43)(4.02)(3.08)(2.45)(2.12)(2.01)(1.46)(1.55)

Dividends Per Share

(USD)
MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Dividends Per Share0.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.160.16