Navient (NAVI) Tops Q3 Earnings and Revenue Estimates

Core Insights - Navient (NAVI) reported quarterly earnings of $0.29 per share, exceeding the Zacks Consensus Estimate of $0.18 per share, and showing a slight increase from $0.28 per share a year ago, resulting in an earnings surprise of +61.11% [1] - The company generated revenues of $146 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 2.64% and up from $140 million year-over-year [2] Earnings Performance - Over the last four quarters, Navient has exceeded consensus EPS estimates three times, indicating a positive trend in earnings performance [2] - The company had a previous earnings expectation of $0.27 per share but reported only $0.21, resulting in a surprise of -22.22% [1][2] Future Outlook - The sustainability of Navient's stock price movement will largely depend on management's commentary during the earnings call and future earnings expectations [3] - Current consensus EPS estimate for the upcoming quarter is $0.35 on revenues of $140.07 million, and for the current fiscal year, it is $0.98 on revenues of $556.98 million [7] Industry Context - The Financial - Consumer Loans industry, to which Navient belongs, is currently ranked in the top 27% of over 250 Zacks industries, suggesting a favorable industry outlook [8] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can impact Navient's stock performance [5][6]