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HERNDON, Va., Nov. 12, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) will host an audio webcast to provide an update on the progress on Phase 2 of its strategic transformation and discuss the growth strategy for its Earnest business on Wednesday, Nov. 19, 2025, at 11:00 a.m. Eastern Time. The presentation will be led by Ed Bramson, chair of Navient’s board of directors, with Dave Yowan, president and CEO of Navient, and Matt Palese, SVP Earnest, also participating. There will be a live Q&A following the p ...

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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-36228 Navient Corporation (Exact name of registrant as specified in its charter) Delaware 46-4054283 (State or other jurisd ...

Key Takeaways Navient's Q3 adjusted EPS of $0.28 beat estimates, driven by higher net interest income and lower costs.Net interest income rose 4.2% year over year, while total expenses dropped nearly 68% in the quarter.Loan-loss provisions climbed to $168M, reflecting elevated delinquencies and macroeconomic factors.Navient Corporation (NAVI) reported third-quarter 2025 adjusted earnings per share (EPS) of 29 cents, surpassing the Zacks Consensus Estimate of 18 cents. It reported earnings of 28 cents in the ...

Core Insights - Navient (NAVI) reported quarterly earnings of $0.29 per share, exceeding the Zacks Consensus Estimate of $0.18 per share, and showing a slight increase from $0.28 per share a year ago, resulting in an earnings surprise of +61.11% [1] - The company generated revenues of $146 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 2.64% and up from $140 million year-over-year [2] Earnings Performance - Over the last four quarters, Navient has exceeded consensus EPS estimates three times, indicating a positive trend in earnings performance [2] - The company had a previous earnings expectation of $0.27 per share but reported only $0.21, resulting in a surprise of -22.22% [1][2] Future Outlook - The sustainability of Navient's stock price movement will largely depend on management's commentary during the earnings call and future earnings expectations [3] - Current consensus EPS estimate for the upcoming quarter is $0.35 on revenues of $140.07 million, and for the current fiscal year, it is $0.98 on revenues of $556.98 million [7] Industry Context - The Financial - Consumer Loans industry, to which Navient belongs, is currently ranked in the top 27% of over 250 Zacks industries, suggesting a favorable industry outlook [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can impact Navient's stock performance [5][6]

Core Viewpoint - Navient has released its financial results for the third quarter of 2025, indicating ongoing efforts to manage the cost of higher education for students and families [1]. Financial Results - The complete financial results for the third quarter of 2025 are available on Navient's investor website [1]. - A live audio webcast discussing these results will be hosted by the CEO and CFO on October 29, 2025, at 8 a.m. ET [1]. Company Overview - Navient focuses on helping students and families manage higher education costs through responsible lending, flexible refinancing, and trusted servicing [3]. - The company emphasizes creating long-term value for customers and investors, supported by decades of portfolio management expertise [3].

Financial Performance - Navient reported a GAAP net loss of $86 million, translating to a diluted loss per share of $0.87 for Q3 2025[3]. - Core Earnings net loss was $83 million, with a diluted loss per share of $0.84[3]. - Net income for Q3 2025 was $(86) million, a decrease from $14 million in Q2 2025 and $(2) million in Q3 2024[19]. - Diluted earnings per share for Q3 2025 was $(0.87), compared to $0.13 in Q2 2025 and $(0.02) in Q3 2024[21]. - The company reported a significant increase in net income (loss) before income tax expense to $(117) million in Q3 2025, down from $18 million in Q2 2025 and $12 million in Q3 2024[21]. - Net loss for the nine months ended September 30, 2025, was $75 million, or $0.75 diluted loss per share, compared to net income of $107 million, or $0.95 diluted earnings per share for the same period last year[29]. Loan Loss Provisions - The company recorded a provision for loan losses of $168 million, with $155 million attributed to Consumer Lending due to elevated delinquency balances[3]. - Provisions for loan losses increased significantly to $168 million in Q3 2025, compared to $37 million in Q2 2025 and $42 million in Q3 2024[21]. - The allowance for loan losses increased to $186 million for FFELP Loans and $406 million for Private Education Loans as of September 30, 2025[23]. - The total provision for loan losses was $68 million, with a charge-off of $301 million during the period[39]. - The provision for FFELP Loan losses was $29 million in the current period, up from $(6) million in the year-ago period, reflecting elevated delinquency balances[29]. Interest Income and Expenses - Total interest income for Q3 2025 was $781 million, a slight increase from $778 million in Q2 2025 but a decrease of $167 million (18%) from $948 million in Q3 2024[21]. - Total interest income for the quarter ended September 30, 2025, was $781 million, with education loans contributing $760 million[54]. - The total interest expense for the quarter was $639 million, leading to a net interest income (loss) of $142 million before provisions[54]. - Net interest income after provisions for loan losses was $(26) million in Q3 2025, down from $91 million in Q2 2025 and $78 million in Q3 2024[21]. - Net interest income decreased by $1 million primarily due to the paydown of loan portfolios and decreasing interest rates, despite a $54 million decline in net premium amortization[31]. Share Repurchase and Equity - The company repurchased $26 million of common shares and authorized a new $100 million share repurchase program[4]. - The company repurchased 2.0 million shares of common stock for $26 million in Q3 2025, with $26 million of unused share repurchase authority remaining[43]. - The total stockholders' equity before treasury stock was $7.974 billion as of September 30, 2025, down from $8.071 billion a year prior[23]. Asset and Liability Management - Total assets decreased to $49.306 billion as of September 30, 2025, down from $53.440 billion a year earlier[23]. - Total liabilities were $46.867 billion as of September 30, 2025, compared to $50.746 billion a year prior[23]. - The company’s cash and cash equivalents decreased to $571 million as of September 30, 2025, down from $1.143 billion a year earlier[23]. - The company has $2.8 billion of unencumbered tangible assets, including $1.3 billion in unencumbered education loans[46]. Delinquency and Charge-Off Rates - The net charge-off rate for Private Education Loans increased to 2.48% in Q3 2025, up from 1.87% in Q3 2024[9][10]. - Private Education Loan delinquencies as a percentage of loans in repayment increased to 6.1% as of September 30, 2025, compared to 5.3% a year earlier[33]. - Net charge-offs for the quarter were $105 million, with $9 million for FFELP loans and $96 million for Private Education loans, resulting in a net charge-off percentage of 0.15% and 2.50% respectively[37]. Business Operations and Strategic Focus - The company plans to continue focusing on market expansion and new product development to drive future growth[66]. - The financial results indicate a need for strategic adjustments in response to the significant losses reported in the quarter[54]. - Core Earnings adjustments to GAAP resulted in an increase of $9 million for the quarter, primarily due to derivative accounting and goodwill adjustments[56].

HERNDON, Va., Oct. 27, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) today announced its designation as a Champion of Board Diversity by The Forum of Executive Women, the Greater Philadelphia Region’s premier women’s professional organization. The Forum of Executive Women annually honors the top public companies in the region with 30% or more women on their respective boards. This is the eleventh time that Navient has been recognized as a Champion of Board Diversity. The Forum of Executive Women's annual ...

Core Insights - Navient Corporation (NAVI) is set to report its third-quarter 2025 results on October 29, with expectations of revenue growth but a decline in earnings year-over-year [1][9] Revenue Expectations - Quarterly revenues are projected to rise by 1.6% to $142.2 million, while earnings per share (EPS) are expected to drop by 35.7% to 18 cents [3][9] - The Consumer Lending segment is anticipated to show a decent rise in revenues due to solid consumer loan demand, while the Federal Education Loans segment may face pressure from lower prepayment levels and subdued originations [4] - The consensus estimate for net interest income (NII) is $142.2 million, reflecting an 8.6% sequential increase, with specific estimates of $50.3 million for Federal Education loans (up 2.7%) and $107.8 million for consumer lending (down 4.6%) [5] - Total non-interest income is estimated to decline by 27.5% sequentially to $23.9 million [6] Expense Management - Ongoing cost-control initiatives are expected to enhance operating efficiency and reduce expenses, aided by strategic actions such as divestitures and workforce reductions [7][9] Earnings Surprise History - NAVI has a notable earnings surprise history, having outperformed estimates in three of the last four quarters, with an average earnings surprise of 17.97% [2] Earnings ESP and Zacks Rank - The Earnings ESP for Navient is -3.44%, indicating a lower likelihood of an earnings beat, and the company currently holds a Zacks Rank of 3 (Hold) [8][10]