While the top- and bottom-line numbers for Navient (NAVI) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Navient (NAVI) came out with quarterly earnings of $0.29 per share, beating the Zacks Consensus Estimate of $0.18 per share. This compares to earnings of $0.28 per share a year ago.
NAVI's Q3 results, slated for Oct. 29, are expected to show revenue growth but lower earnings year over year.
Navient (NAVI) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Navient Corporation (NASDAQ:NAVI ) Q2 2025 Earnings Conference Call July 30, 2025 8:00 AM ET Company Participants David L. Yowan - President, CEO & Director Jen Earyes - Head of Investor Relations Joe Fisher - Executive VP, CFO & Principal Accounting Officer Conference Call Participants Jeffrey David Adelson - Morgan Stanley, Research Division Jordan Neil Hymowitz - Philadelphia Financial Management of San Francisco, LLC Mark Christian DeVries - Deutsche Bank AG, Research Division Moshe Ari Orenbuch - TD Cowen, Research Division Nathaniel Richam-Odoi - BofA Securities, Research Division Richard Barry Shane - JPMorgan Chase & Co, Research Division Ryan Patrick Shelley - BofA Securities, Research Division Sanjay Harkishin Sakhrani - Keefe, Bruyette, & Woods, Inc., Research Division William Haraway Ryan - Seaport Research Partners Operator Good day, and thank you for standing by.
NAVI stock slips 2.5% after Q2 earnings miss due to lower NII and higher provisions for loan losses.
The headline numbers for Navient (NAVI) give insight into how the company performed in the quarter ended June 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
Navient (NAVI) came out with quarterly earnings of $0.21 per share, missing the Zacks Consensus Estimate of $0.27 per share. This compares to earnings of $0.48 per share a year ago.
NAVI is set to report Q2 results, with revenues likely to increase. However, earnings are likely to have declined amid weaker loan volumes and income.
Navient Corporation's baby bond, JSM, currently offers a yield to maturity of 9.27%, significantly higher than the company's OTC bonds. JSM is trading below par and appears undervalued relative to similar NAVI unsecured bonds, suggesting a potential price appreciation of 27%. Both JSM and NAVI's OTC bonds have similar credit ratings (BB-/Ba3), indicating comparable credit risk, but JSM offers a superior yield.
Navient (NAVI) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Navient's exchange-traded bond JSM is undervalued versus its OTC counterpart, offering a higher yield and capital appreciation potential of around 11%. Both bonds have similar credit ratings, but JSM's yield to maturity (9.6%) and current price discount make it the more attractive option. Market sentiment is currently negative for exchange-traded bonds, creating a buying opportunity for JSM ahead of a likely mean reversion.