Navient (NAVI) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - Navient (NAVI) reported revenue of $129 million for the quarter ended December 2025, reflecting a decrease of 3.7% year-over-year and a surprise of -3.26% compared to the Zacks Consensus Estimate of $133.35 million [1] - The earnings per share (EPS) for the quarter was $0.39, which is an increase from $0.25 in the same quarter last year, resulting in an EPS surprise of +25.2% against the consensus estimate of $0.31 [1] Performance Metrics - Navient's net interest margin for the Consumer Lending segment was reported at 2.5%, slightly below the estimated 2.6% [4] - The net interest margin for the Federal Education Loan segment matched the analyst estimate at 0.6% [4] - Core net interest income was $129 million, falling short of the average estimate of $133.35 million [4] - Total core non-interest income was $15 million, which was below the estimated $20.39 million [4] - Servicing revenue was reported at $11 million, compared to the average estimate of $12.55 million [4] - Other income was $8 million, slightly above the average estimate of $7.83 million [4] - Net interest income (loss) for the Consumer Lending segment was $104 million, close to the estimate of $104.45 million [4] - Net interest income (loss) for Federal Education Loans was $44 million, slightly below the estimate of $45.27 million [4] Stock Performance - Over the past month, shares of Navient have returned -6.7%, contrasting with a +0.8% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]