English
中文
Español
Português
日本語
Deutsch
한국어
Français
Italiano
TürkçeNavient (NAVI) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended December 2025, Navient (NAVI) reported revenue of $129 million, down 3.7% over the same period last year. EPS came in at $0.39, compared to $0.25 in the year-ago quarter.
The reported revenue represents a surprise of -3.26% over the Zacks Consensus Estimate of $133.35 million. With the consensus EPS estimate being $0.31, the EPS surprise was +25.2%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Navient performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net interest margin, Consumer Lending segment: 2.5% versus 2.6% estimated by two analysts on average. Net interest margin, Federal Education Loan segment: 0.6% versus the two-analyst average estimate of 0.6%. Net Interest Income (Core): $129 million versus the three-analyst average estimate of $133.35 million. Total Non-Interest Income (Core): $15 million versus $20.39 million estimated by three analysts on average. Other income: $8 million compared to the $7.83 million average estimate based on three analysts. Servicing revenue: $11 million versus the three-analyst average estimate of $12.55 million. Total core other income- Consumer Lending: $3 million compared to the $3.06 million average estimate based on two analysts. Total core other income- Federal Education Loans: $8 million versus $10.77 million estimated by two analysts on average. Net interest income (loss)- Other (Core): $-19 million versus $-13.69 million estimated by two analysts on average. Net interest income (loss)- Consumer Lending (Core): $104 million versus the two-analyst average estimate of $104.45 million. Total core other income- Other: $4 million compared to the $8.25 million average estimate based on two analysts. Net interest income (loss)- Federal Education Loans (Core): $44 million compared to the $45.27 million average estimate based on two analysts.View all Key Company Metrics for Navient here>>>
Shares of Navient have returned -6.7% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Quantum Computing Stocks Set To Soar
Artificial intelligence has already reshaped the investment landscape, and its convergence with quantum computing could lead to the most significant wealth-building opportunities of our time.
Today, you have a chance to position your portfolio at the forefront of this technological revolution. In our urgent special report, Beyond AI: The Quantum Leap in Computing Power , you'll discover the little-known stocks we believe will win the quantum computing race and deliver massive gains to early investors.
Access the Report Free Now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Navient Corporation (NAVI): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).