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Navient (NAVI) Reports Q1 Earnings: What Key Metrics Have to Say
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Navient (NAVI - Free Report) reported $126 million in revenue for the quarter ended March 2026, representing a year-over-year decline of 12.5%. EPS of $0.20 for the same period compares to $0.28 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $128.07 million, representing a surprise of -1.62%. The company delivered an EPS surprise of +16.48%, with the consensus EPS estimate being $0.17.
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: 2.5% versus 2.6% estimated by two analysts on average.
Net interest margin, Federal Education Loan segment: 0.7% versus 0.7% estimated by two analysts on average.
Net Interest Income (Core): $126 million versus $128.64 million estimated by three analysts on average.
Total Non-Interest Income (Core): $16 million versus the three-analyst average estimate of $17.51 million.
Servicing revenue: $11 million versus $12.11 million estimated by three analysts on average.
Other income: $5 million compared to the $5.4 million average estimate based on three analysts.
Total core other income- Federal Education Loans: $8 million versus the two-analyst average estimate of $10.63 million.
Total core other income- Consumer Lending: $3 million versus the two-analyst average estimate of $3.03 million.
Net interest income (loss)- Other (Core): $-20 million compared to the $-15.12 million average estimate based on two analysts.
Total core other income- Other: $5 million compared to the $6.6 million average estimate based on two analysts.
Net interest income (loss)- Consumer Lending (Core): $100 million versus $101.33 million estimated by two analysts on average.
Net interest income (loss)- Federal Education Loans (Core): $46 million versus $47.74 million estimated by two analysts on average.
Shares of Navient have returned +12.1% over the past month versus the Zacks S&P 500 composite's +12.2% 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 (NAVI) Reports Q1 Earnings: What Key Metrics Have to Say
Navient (NAVI - Free Report) reported $126 million in revenue for the quarter ended March 2026, representing a year-over-year decline of 12.5%. EPS of $0.20 for the same period compares to $0.28 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $128.07 million, representing a surprise of -1.62%. The company delivered an EPS surprise of +16.48%, with the consensus EPS estimate being $0.17.
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:View all Key Company Metrics for Navient here>>>
Shares of Navient have returned +12.1% over the past month versus the Zacks S&P 500 composite's +12.2% 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.