For the quarter ended September 2025, Navient (NAVI) reported revenue of $146 million, up 4.3% over the same period last year. EPS came in at $0.29, compared to $0.28 in the year-ago quarter.
The reported revenue represents a surprise of +2.64% over the Zacks Consensus Estimate of $142.24 million. With the consensus EPS estimate being $0.18, the EPS surprise was +61.11%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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: 2.4% versus the two-analyst average estimate of 2.7%.
- Net interest margin, Federal Education Loan segment: 0.8% compared to the 0.7% average estimate based on two analysts.
- Net Interest Income (Core): $146 million compared to the $142.24 million average estimate based on three analysts.
- Total Non-Interest Income (Core): $23 million versus the three-analyst average estimate of $23.93 million.
- Other income: $19 million versus $14 million estimated by three analysts on average.
- Servicing revenue: $13 million versus $9.93 million estimated by three analysts on average.
- Total core other income- Consumer Lending: $3 million versus the two-analyst average estimate of $3.06 million.
- Total core other income- Federal Education Loans: $10 million compared to the $4.33 million average estimate based on two analysts.
- Net interest income (loss)- Other (Core): $-17 million compared to the $-13.32 million average estimate based on two analysts.
- Net interest income (loss)- Consumer Lending (Core): $98 million versus the two-analyst average estimate of $107.84 million.
- Total core other income- Other: $10 million versus $15.5 million estimated by two analysts on average.
- Net interest income (loss)- Federal Education Loans (Core): $65 million versus the two-analyst average estimate of $50.35 million.
View all Key Company Metrics for Navient here>>>
Shares of Navient have returned -1.6% over the past month versus the Zacks S&P 500 composite's +3.8% 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.
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Navient Corporation (NAVI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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