Navient (NAVI) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Navient (NAVI) reported $131 million in revenue for the quarter ended June 2025, reflecting a year-over-year decline of 3.7% and an EPS of $0.21 compared to $0.48 a year ago [1] - The reported revenue fell short of the Zacks Consensus Estimate of $141.8 million, resulting in a surprise of -7.62%, while the EPS also missed the consensus estimate of $0.27 by -22.22% [1] Financial Performance Metrics - Net interest margin for the Consumer Lending segment was 2.3%, below the estimated 2.8% [4] - Net interest margin for the Federal Education Loan segment was 0.7%, slightly above the average estimate of 0.6% [4] - Total Non-Interest Income (Core) was $33 million, exceeding the estimated $25.12 million [4] - Other income reached $19 million, surpassing the average estimate of $13.44 million [4] - Servicing revenue was reported at $14 million, compared to the average estimate of $9.97 million [4] - Net Interest Income (Core) was $131 million, below the average estimate of $144.35 million [4] - Total core other income for Consumer Lending was $3 million, slightly below the estimated $3.06 million [4] - Net interest income (loss) for Federal Education Loans (Core) was $49 million, slightly above the average estimate of $48.59 million [4] - Total core other income for Federal Education Loans was $10 million, significantly above the average estimate of $4.38 million [4] - Net interest income (loss) for Other (Core) was reported at -$18 million, worse than the average estimate of -$14.87 million [4] - Net interest income (loss) for Consumer Lending (Core) was $113 million, slightly above the average estimate of $111.47 million [4] - Total core other income for Other was $20 million, exceeding the estimated $13.88 million [4] Stock Performance - Shares of Navient have returned -5.5% over the past month, contrasting with the Zacks S&P 500 composite's +3.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]