Navient (NAVI Quick QuoteNAVI - Free Report) reported $131 million in revenue for the quarter ended June 2025, representing a year-over-year decline of 3.7%. EPS of $0.21 for the same period compares to $0.48 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $141.8 million, representing a surprise of -7.62%. The company delivered an EPS surprise of -22.22%, with the consensus EPS estimate being $0.27.

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: 2.3% versus 2.8% estimated by two analysts on average.
• Net interest margin, Federal Education Loan segment: 0.7% compared to the 0.6% average estimate based on two analysts.
• Total Non-Interest Income (Core): $33 million versus $25.12 million estimated by four analysts on average.
• Other income: $19 million versus the four-analyst average estimate of $13.44 million.
• Servicing revenue: $14 million compared to the $9.97 million average estimate based on four analysts.
• Net Interest Income (Core): $131 million compared to the $144.35 million average estimate based on four analysts.
• Total core other income- Consumer Lending: $3 million versus $3.06 million estimated by two analysts on average.
• Net interest income (loss)- Federal Education Loans (Core): $49 million versus the two-analyst average estimate of $48.59 million.
• Total core other income- Federal Education Loans: $10 million versus the two-analyst average estimate of $4.38 million.
• Net interest income (loss)- Other (Core): $-18 million compared to the $-14.87 million average estimate based on two analysts.
• Net interest income (loss)- Consumer Lending (Core): $113 million versus the two-analyst average estimate of $111.47 million.
• Total core other income- Other: $20 million versus $13.88 million estimated by two analysts on average.

View all Key Company Metrics for Navient here>>>

Shares of Navient have returned -5.5% over the past month versus the Zacks S&P 500 composite's +3.4% 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.