The earnings call highlighted strong loan origination growth and new legislative opportunities, but was tempered by elevated provision expenses and increased delinquency rates due to macroeconomic challenges.

Company Guidance

During Navient's second-quarter 2025 earnings call, the company highlighted several key metrics and changes in federal student loan legislation that are expected to impact its operations. Navient reported a strong quarter of loan origination growth, with $443 million in refinance loans, doubling the volume from the same period last year. For the first half of 2025, total loan originations surpassed $1 billion, prompting the company to revise its full-year origination forecast from $1.8 billion to $2.2 billion. The elimination of the federal Grad PLUS loan program, effective June 2026, is anticipated to significantly expand Navient's opportunities in the private in-school graduate market, which currently equals roughly 10% of Grad PLUS originations. During the quarter, Navient achieved an adjusted tangible equity ratio of 9.8% and reported core earnings per share of $0.20, adjusting for regulatory and restructuring expenses, $0.21 on a core basis. The net interest margin for the Federal Education Loan segment increased to 70 basis points, exceeding the guided range. The Consumer Lending segment saw net interest margin of 232 basis points. The company's provisions reflect macroeconomic outlook changes, with total core earnings expenses reduced by $82 million year-over-year, driven by strategic efforts to cut operating costs.

Record Loan Origination Growth

Navient originated $443 million in refinance loans this quarter, doubling the volume from the same period last year. Total loan originations for the first half of the year doubled to over $1 billion compared to a year ago.

Legislative Changes Opening New Opportunities

Recent legislation eliminating the Grad PLUS loan program and changes to borrowing limits across federal loan programs are expected to significantly increase demand for Navient's private in-school graduate loans.

Successful ABS Issuance

Navient's inaugural in-school ABS deal was nearly 6x oversubscribed, raising roughly 98% of loan principal. This issuance was driven by the high quality of loans and a substantial proportion of graduate loans.

Operating Expense Reductions

Navient continues to reduce operating expenses, achieving significant milestones in strategic initiatives and nearing the ambitious $400 million expense reduction target set 18 months ago.

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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