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Navient (NAVI)
NASDAQ:NAVI
Earnings Data
Report Date
Jan 27, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.33Last Year’s EPS
-0.24Same Quarter Last Year
Moderate Sell
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
Despite significant achievements in loan origination growth, expense reduction, and cash flow projections, the company's financial performance was negatively impacted by a core loss per share, elevated delinquency rates, high provision expenses, and macroeconomic uncertainties. The highlights and lowlights are relatively balanced, with substantial positive developments countered by significant financial challenges.Company Guidance
Record Loan Origination Growth
Earnest doubled origination volume year-over-year for the third straight quarter, totaling approximately $800 million in new loans, with $528 million in refi loans, the highest quarterly volume this year, and $260 million in in-school lending, also the highest quarterly volume in history.
Expense Reduction Success
Exceeded ambitious expense reduction targets ahead of schedule, with total core expenses for the quarter declining by $93 million to $109 million, and on track to remove over 90% of the $400 million run-rate expense reduction target by the end of 2025.
Increased Life of Loan Cash Flows
Projected life of loan cash flows increased by approximately $195 million, driven by lower prepayment rate assumptions and revised financing and securitized debt service assumptions.
Strong ABS Financing Activity
Completed the fourth term ABS financing of the year, backed by refi loan collateral, demonstrating strong investor demand and achieving high advance rates.
NAVI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
NAVI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jul 30, 2025 | $13.63 | $12.53 | -8.07% |
Apr 30, 2025 | $12.40 | $12.09 | -2.50% |
Jan 29, 2025 | $14.24 | $13.78 | -3.23% |
Oct 30, 2024 | $14.46 | $14.51 | +0.35% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Navient (NAVI) report earnings?
Navient (NAVI) is schdueled to report earning on Jan 27, 2026, After Close (Confirmed).
What is Navient (NAVI) earnings time?
Navient (NAVI) earnings time is at Jan 27, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NAVI EPS forecast?
NAVI EPS forecast for the fiscal quarter 2025 (Q4) is 0.33.