Navient (NAVI) Q2 Earnings and Revenues Miss Estimates

Company Performance - Navient reported quarterly earnings of $0.21 per share, missing the Zacks Consensus Estimate of $0.27 per share, and down from $0.48 per share a year ago, representing an earnings surprise of -22.22% [1] - The company posted revenues of $131 million for the quarter ended June 2025, missing the Zacks Consensus Estimate by 7.62%, and down from $136 million year-over-year [2] - Over the last four quarters, Navient has surpassed consensus EPS estimates three times and topped consensus revenue estimates only once [2] Future Outlook - The sustainability of Navient's stock price movement will depend on management's commentary during the earnings call and the company's earnings outlook [3][4] - The current consensus EPS estimate for the upcoming quarter is $0.23 on revenues of $141.81 million, and for the current fiscal year, it is $1.05 on revenues of $569.55 million [7] - The estimate revisions trend for Navient was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Financial - Consumer Loans industry, to which Navient belongs, is currently in the bottom 24% of over 250 Zacks industries, suggesting potential challenges for stock performance [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can impact investor decisions [5]