The earnings call highlighted strong loan origination growth and significant market opportunities due to legislative changes, as well as successful capital market transactions and substantial expense reductions. However, it also noted challenges with elevated provision expenses and increased delinquency rates. While the highlights are notable, the lowlights present significant challenges, making the overall sentiment balanced.

Company Guidance -

Q3 2025

During the Navient Second Quarter 2025 Earnings Conference Call, several key metrics and guidance were shared. Navient reported strong loan origination growth, particularly in refinance loans, originating $443 million this quarter, which is double the volume from the same period last year. This has resulted in their total refinance originations for the first half of 2025 more than doubling compared to the previous year. The net interest margin for the Federal Education Loan segment was reported at 70 basis points, exceeding the projected range. For the Consumer Lending segment, loan originations doubled to just over $1 billion in the first half of the year, prompting Navient to revise their full-year origination forecast from $1.8 billion to $2.2 billion. The company also updated its full-year earnings guidance to a range of $0.95 to $1.05 per share, factoring in lower FFELP prepayments, elevated provision expenses, and disciplined operating expenses. Navient highlighted the impact of recent federal student loan legislation on their business, noting an anticipated increase in opportunities due to changes like the elimination of the Grad PLUS loan program, which could drive demand for private in-school graduate loans. Additionally, Navient completed a notable ABS issuance, raising total gross cash proceeds of approximately 98% of loan principal, demonstrating their strong financial positioning.

Strong Loan Origination Growth

Navient originated $443 million in refinance loans this quarter, double the volume from the same period last year. Total loan originations for the first half of the year have more than doubled.

Legislation Expands Opportunities

Recent legislation removing the Grad PLUS loan program is expected to expand opportunities in private in-school graduate loans, with a significant increase in demand anticipated.

Successful ABS Issuance

Navient's inaugural in-school ABS deal in June was nearly 6x oversubscribed, raising gross cash proceeds of roughly 98% of loan principal.

Expense Reductions and Efficiency

Navient achieved milestones in reducing operating expenses, meeting ambitious $400 million expense reduction targets, and completing transition service agreements on schedule.

Increased Full-Year Loan Origination Forecast

Full-year origination forecast revised from $1.8 billion to $2.2 billion due to strong growth in refinance originations.

Navient (NAVI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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NAVI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.22 / -	1.45	―	―	―
Jul 30, 2025	2025 (Q2)	0.27 / 0.20	0.29	-31.03% (-0.09)
Apr 30, 2025	2025 (Q1)	0.20 / 0.25	0.47	-46.81% (-0.22)
Jan 29, 2025	2024 (Q4)	0.22 / -0.24	0.21	-214.29% (-0.45)
Oct 30, 2024	2024 (Q3)	0.25 / 1.45	0.47	208.51% (+0.98)
Jul 24, 2024	2024 (Q2)	0.43 / 0.29	0.7	-58.57% (-0.41)
Apr 24, 2024	2024 (Q1)	0.59 / 0.47	1.06	-55.66% (-0.59)
Jan 31, 2024	2023 (Q4)	0.75 / 0.21	0.85	-75.29% (-0.64)
Oct 25, 2023	2023 (Q3)	0.74 / 0.47	0.75	-37.33% (-0.28)
Jul 26, 2023	2023 (Q2)	0.76 / 0.70	0.92	-23.91% (-0.22)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

NAVI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$13.79	$12.68	-8.05%
Apr 30, 2025	$12.55	$12.23	-2.55%
Jan 29, 2025	$14.41	$13.94	-3.26%
Oct 30, 2024	$14.63	$14.68	+0.34%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Navient Corporation (NAVI) report earnings?

Navient Corporation (NAVI) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is Navient Corporation (NAVI) earnings time?

Navient Corporation (NAVI) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is NAVI EPS forecast?

NAVI EPS forecast for the fiscal quarter 2025 (Q3) is 0.22.

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