Navient (NAVI) Reports Q1 Earnings: What Key Metrics Have to Say

Core Insights - Navient (NAVI) reported revenue of $144 million for the quarter ended March 2025, reflecting an 11.7% decrease year-over-year, while EPS was $0.28 compared to $0.63 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $134.11 million by 7.38%, and the EPS surpassed the consensus estimate of $0.19 by 47.37% [1] Financial Performance Metrics - Net interest margin for the Consumer Lending segment was 2.8%, matching the average estimate [4] - Net interest margin for the Federal Education Loan segment was 0.6%, slightly above the average estimate of 0.5% [4] - Servicing revenue reached $13 million, significantly higher than the estimated $4.75 million [4] - Asset recovery and business processing revenue was $23 million, slightly above the average estimate of $22.95 million [4] - Net Interest Income (Core) was reported at $144 million, exceeding the estimate of $140.44 million [4] - Net interest income (loss) for Consumer Lending (Core) was $113 million, above the estimate of $110.97 million [4] - Net interest income (loss) for Other (Core) was -$18 million, worse than the average estimate of -$11.33 million [4] - Total core other income for Federal Education Loans was $10 million, significantly higher than the estimate of $3.73 million [4] - Net interest income (loss) for Federal Education Loans (Core) was $49 million, surpassing the estimate of $35.03 million [4] - Total core other income for Consumer Lending was $3 million, above the estimate of $0.77 million [4] - Total core other income for Other was $15 million, exceeding the average estimate of $13 million [4] - Total Non Interest Income (Core) was $51 million, higher than the estimate of $42.15 million [4] Stock Performance - Navient's shares returned +0.6% over the past month, outperforming the Zacks S&P 500 composite, which declined by -0.2% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]