This silence carries a heavy emotional toll: Despite these anxieties, the data suggests that debt is rarely a dealbreaker when met with a clear strategy: "In dating today, unmanaged debt is perceived as an unmanaged life. People aren't walking away because someone has debt; they're walking away because they don't see ownership," said Emily Childers, Chief Marketing Officer at Earnest. "A clear plan is the difference between a red flag and a green one." The full findings from Earnest's 2026 Debt and Dating R ...

Group 1 - Caleres, Inc. (CAL) is a footwear company with a Zacks Consensus Estimate for its current year earnings revised 66.7% downward over the last 60 days [1] - HighPeak Energy, Inc. (HPK) is an oil and gas exploration and production company with a Zacks Consensus Estimate for its current year earnings revised 6.5% downward over the last 60 days [1] - Navient Corporation (NAVI) is an education technology and financial services company with a Zacks Consensus Estimate for its current year earnings revised 6.7% downward over the last 60 days [2]

Navient Corporation (NASDAQ:NAVI) reported an adjusted EPS of 39 cents, surpassing the Zacks Consensus Estimate.The company experienced a decline in net interest income (NII) and other income, contributing to a nearly 10.8% drop in early trading.Morgan Stanley set a price target of $12 for NAVI, indicating a potential upside of 22.32%.Navient Corporation (NASDAQ:NAVI) is a leading entity in the student loan servicing industry, offering loan management, servicing, and asset recovery services across education ...

Key Takeaways NAVI posted Q4 adjusted EPS of 39 cents, beating estimates, but shares fell nearly 10.8% in early trading.NAVI benefited from lower expenses and provisions despite weaker net interest income.Federal Education Loans net income jumped to $27M, while Consumer Lending income dropped 32.4% year over year.Navient Corporation (NAVI) reported fourth-quarter 2025 adjusted earnings per share (EPS) of 39 cents, surpassing the Zacks Consensus Estimate of 31 cents. It reported earnings of 25 cents in the p ...

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 expe ...

分组1 - Navient reported quarterly earnings of $0.39 per share, exceeding the Zacks Consensus Estimate of $0.31 per share, and showing an increase from $0.25 per share a year ago, resulting in an earnings surprise of +25.20% [1] - The company posted revenues of $129 million for the quarter ended December 2025, which was a 3.26% miss compared to the Zacks Consensus Estimate, and a decrease from $134 million in the same quarter last year [2] - Over the last four quarters, Navient has surpassed consensus EPS estimates three times and topped consensus revenue estimates two times [2] 分组2 - The stock has underperformed the market, losing about 7.4% since the beginning of the year, while the S&P 500 has gained 1.9% [3] - The current consensus EPS estimate for the upcoming quarter is $0.20 on revenues of $141.82 million, and for the current fiscal year, it is $1.15 on revenues of $566.07 million [7] - The Financial - Consumer Loans industry, to which Navient belongs, is currently ranked in the bottom 38% of over 250 Zacks industries, indicating potential challenges for stock performance [8]

Core Viewpoint - Navient has released its fourth quarter financial results for 2025, indicating ongoing performance and strategic direction in the education finance sector [1]. Group 1: Financial Results - The complete financial results for the fourth quarter of 2025 are available on Navient's investor website [1]. - A live audio webcast discussing these results will be hosted by the company's president and CEO, David Yowan, along with CFO Steve Hauber [1]. Group 2: Company Overview - Navient focuses on creating long-term value for customers and investors through responsible lending, flexible refinancing, and trusted servicing oversight [3]. - The company leverages decades of expertise in education finance and portfolio management to support its operations [3]. - Through its Earnest business, Navient aims to help customers achieve financial success via digital financial services [3].

Exhibit 99.2 NAVIENT REPORTS FOURTH-QUARTER 2025 FINANCIAL RESULTS HERNDON, Va., January 28, 2026 — Navient (Nasdaq: NAVI) today released its fourth-quarter 2025 financial results. | 4Q25 | • | GAAP net loss of $5 million ($0.06 diluted loss per share). | OVERALL | (1) | • | Core Earnings | net income of $2 million ($0.02 diluted earnings per share). | | --- | --- | --- | --- | --- | --- | --- | --- | | RESULTS | 4Q25 | • | GAAP and Core Earnings results included: | | | | | | SIGNIFICANT | o | $43 million p ...

Key Takeaways NAVI will report fourth-quarter 2025 results on Jan. 28, with EPS expected to be 31 cents, up year over year.Navient may see revenue pressure as Federal Education Loans weaken, despite resilient consumer loan demand.Navient's cost-control efforts and leadership restructuring could support profitability amid segment shifts.Navient Corporation (NAVI) is scheduled to report fourth-quarter 2025 results on Jan. 28, before the opening bell. Its quarterly revenues are expected to have declined, while ...

Core Viewpoint - Deutsche Bank has released a report on the outlook for the U.S. consumer finance sector in 2026, focusing on the earnings guidance of seven companies, which is expected to have a greater impact on stock prices than the actual Q4 performance [1] Group 1: Company-Specific Guidance - American Express (AXP): Deutsche Bank expects a short-term revenue growth slowdown to 8.5% for FY2026, below the market expectation of 9.0%, with diluted EPS projected at $17.75, slightly above the consensus of $17.56 [2] - Synchrony Financial (SYF): Projected loan receivables growth of 4.75% for 2026, exceeding the market expectation of 3.14%, but net revenue forecasted at $15.7 billion, below the market's $16.5 billion [2] - Ally Financial (ALLY): Expected average earning assets growth of 1.7% in 2026, with net interest margin rising to 3.72%, slightly above the market expectation of 3.70% [3] - OneMain Holdings (OMF): Projected management receivables growth of 6.55% for 2026, below the market expectation of 8.00%, with revenue growth of 6.15%, also slightly below the consensus [3] - SoFi Technologies (SOFI): Management reiterated EPS guidance of $0.55-$0.80 for 2026, with a midpoint forecast of $0.67, significantly above the market consensus of $0.58 [4] - Navient Corp (NAVI): Expected NIM for private education loans to rise to 2.81% in 2026, with core EPS projected at $1.15, benefiting from market opportunities due to the cancellation of the GRAD PLUS program [5] Group 2: Market Trends and Influences - The guidance from these companies is expected to influence stock prices more than their Q4 actual performance, highlighting the importance of forward-looking statements in the consumer finance sector [1] - The report indicates that the consumer finance sector is experiencing varying growth rates, with some companies facing challenges due to market saturation and regulatory changes [2][3][4]