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.#1 Semiconductor Stock to Buy (Not NVDA)
The incredible demand for data is fueling the market's next digital gold rush. As data centers continue to be built and constantly upgraded, the companies that provide the hardware for these behemoths will become the NVIDIAs of tomorrow.
One under-the-radar chipmaker is uniquely positioned to take advantage of the next growth stage of this market. It specializes in semiconductor products that titans like NVIDIA don't build. It's just beginning to enter the spotlight, which is exactly where you want to be.
See This Stock Now for Free >>Navient Corporation (NAVI) : Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
