Core Insights - Debt is increasingly influencing romantic compatibility among Americans, with 55% of participants identifying at least one type of debt as a dealbreaker, particularly payday loans (41%) and high-interest credit card debt (14%) [1] Group 1: Debt and Relationships - A significant 60% of respondents cite money as the primary source of relationship tension, yet 61% wait until they are exclusive to disclose their debt, leading to stress and mistrust [2] - Unmanaged debt is viewed as a sign of an unmanaged life, with a clear repayment strategy transforming debt from a red flag to a green flag in dating [3] Group 2: Emotional Impact and Communication - 25% of daters consider debt the most avoided conversation topic, more uncomfortable than politics (22%), religion (7%), or family drama (7%) [6] - Nearly half (43%) of respondents report that their dating confidence is affected by how their debt is perceived, with 11% feeling 'undateable' due to their debt [6] Group 3: Financial Conflict and Perceptions - The primary causes of financial conflict in relationships are differences in spending habits (58%) and stress about making ends meet (58%), with one-third (33%) citing financial avoidance as a significant stressor [6] - Respondents are nearly five times more accepting of student loan debt (threshold of ~$55K) compared to credit card debt (~$12K), indicating a more sympathetic view towards "investment debt" [6] Group 4: Impact on Relationship Progression - Debt can hinder couples from progressing in their relationship; 23% would delay moving in with a partner carrying $20K–$49K in non-mortgage debt, while 15% state that no amount of debt would prevent cohabitation [6]

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]

Core Viewpoint - Navient Corporation is a prominent player in the student loan servicing industry, with a recent price target set by Morgan Stanley indicating a potential upside for investors [1][6]. Financial Performance - In Q4 2025, Navient reported an adjusted EPS of 39 cents, surpassing the Zacks Consensus Estimate of 31 cents, and showing improvement from 25 cents in the same quarter the previous year [2][6]. - The company's provisions for loan losses had a significant impact of 26 cents per share, reflecting the macroeconomic outlook [4]. Stock Performance - Despite strong EPS results, Navient's shares declined nearly 10.8% in early trading due to a decrease in net interest income (NII) and other income compared to the previous year [3][6]. - The current stock price is $9.81, down 18.52% from a change of $2.23, with fluctuations between a low of $9.77 and a high of $11.92 on the same day [4][5]. Market Position - Navient has a market capitalization of approximately $975.42 million and a trading volume of 2,643,826 shares on NASDAQ, indicating its significance in the student loan servicing sector [5].

Core Insights - Navient Corporation (NAVI) reported fourth-quarter 2025 adjusted earnings per share (EPS) of 39 cents, exceeding the Zacks Consensus Estimate of 31 cents, compared to 25 cents in the prior-year quarter [1][9] Financial Performance - The results were supported by lower expenses and a slight decline in provisions for loan losses, but faced challenges from a decrease in net interest income (NII) and other income, leading to a nearly 10.8% drop in shares during early trading [2][9] - The adjusted loss per share for 2025 was 35 cents, wider than the Zacks Consensus Estimate of a loss of 6 cents per share, contrasting with the adjusted EPS of $2 reported in the previous year [4] - The company reported a GAAP net loss of $80 million for 2025, compared to a net income of $131 million in the prior year [4] Income and Expenses - NII declined 3.7% year over year to $129 million in the fourth quarter, missing the Zacks Consensus Estimate by 3.3% [5] - Total other income decreased 48.3% year over year to $15 million [5] - Total expenses decreased 34.2% year over year to $100 million [6] Segment Performance - Federal Education Loans segment generated a net income of $27 million, significantly up from $10 million in the year-ago quarter [7] - Consumer Lending segment reported a net income of $25 million, down 32.4% from the year-ago quarter [7] - The private education loan delinquency rate greater than 30 days was 6.3%, slightly up from 6.1% in the prior-year quarter [8] Liquidity and Capital Distribution - As of Dec. 31, 2025, the company had $637 million in total unrestricted cash and liquid investments [11] - In the fourth quarter, NAVI paid $15 million in common stock dividends and repurchased shares of common stock for $26 million [12] Strategic Outlook - The company is expected to utilize various sources to meet liquidity needs, including cash and investment portfolio, predictable operating cash flows, and potential issuance of asset-backed securities [10] - Strategic actions to control expenses are anticipated to support financials in the upcoming period, despite concerns over weaker NII [13]

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 ...

Core Insights - Navient Corporation (NAVI) is set to report its fourth-quarter 2025 results on January 28, with expectations of a revenue decline but an increase in earnings year-over-year [1][9] - The company has a strong earnings surprise history, outperforming estimates in three of the last four quarters with an average surprise of 27.82% [2] Revenue Expectations - The Zacks Consensus Estimate for 2025 earnings is 31 cents per share, reflecting a 24% increase from the previous year [3] - Total sales are estimated at $133.3 million, indicating a slight decline from the year-ago figure [3] - Consumer loan demand remains strong, which is expected to positively impact the Consumer Lending segment, while the Federal Education Loans segment may face revenue pressure due to lower prepayment levels and subdued originations [4][9] Net Interest Income (NII) Projections - The consensus estimate for core NII is $133.35 million, representing an 8.6% sequential decline [5] - NII for Federal Education loans is projected at $45.3 million, indicating a 30.3% sequential decline, while NII for consumer lending is expected to rise by 6.5% to $104.4 million [5] - Servicing revenues are estimated at $12.5 million, reflecting a 3.4% decrease from the prior quarter [5] Expense Management - Ongoing cost-control initiatives are anticipated to enhance operating efficiency and reduce expenses in the fourth quarter [7] - Strategic actions, including the sale of certain business segments and workforce reductions, are likely to contribute to a further decline in operating expenses [7] Earnings Prediction Model - The Earnings ESP for Navient is -6.90%, indicating that the model does not predict an earnings beat this time [10] - The company currently holds a Zacks Rank of 3 (Hold), which does not favor an earnings surprise [10] 2025 Outlook - NAVI expects core EPS to range between $0.95 and $1.05 for 2025 [11] - The FFELP segment's net interest margin is projected to be between 55 and 65 basis points, while the Consumer Lending segment's NIM is expected to be in the range of 255 to 265 basis points [11] - Full-year loan originations are anticipated to be between $1.8 billion and $2.2 billion [12]

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]