Navient(NAVI) ZACKS·2025-01-22 16:06Core Viewpoint - The market anticipates a year-over-year decline in Navient's earnings due to lower revenues, with a focus on how actual results compare to estimates [1][2]. Earnings Expectations - Navient is expected to report quarterly earnings of 151.05 million, down 21.7% from the same quarter last year [3]. Estimate Revisions - The consensus EPS estimate has been revised down by 9.53% over the last 30 days, indicating a bearish sentiment among analysts [4]. - The Most Accurate Estimate for Navient is lower than the Zacks Consensus Estimate, resulting in an Earnings ESP of -32.63% [10][11]. Earnings Surprise Prediction - The Zacks Earnings ESP model suggests that a positive or negative reading indicates the likely deviation of actual earnings from consensus estimates, with positive readings being more predictive of earnings beats [6][7]. - Navient's current Zacks Rank is 3, complicating predictions of an earnings beat [11]. Historical Performance - In the last reported quarter, Navient exceeded expectations by delivering earnings of 0.23, resulting in a surprise of +21.74% [12]. - Over the past four quarters, Navient has beaten consensus EPS estimates three times [13]. Conclusion - While Navient does not appear to be a strong candidate for an earnings beat, investors should consider other factors influencing stock performance ahead of the earnings release [16].