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Navient (NAVI)
NASDAQ:NAVI
Earnings Data
Report Date
Jul 29, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.3Last Year’s EPS
0.29Same Quarter Last Year
Based on 8 Analysts Ratings
Earnings Call Summary
Earnings Call Date:Apr 30, 2025
|% Change Since: 7.48%
|Next Earnings Date:Jul 29, 2025
Earnings Call Sentiment|Neutral
The earnings call showcased significant achievements in loan origination growth, net interest margin improvement, and operating expense reductions. However, challenges remain with increased delinquency rates and macroeconomic uncertainty. The highlights and lowlights seem balanced with promising growth tempered by economic headwinds.Company Guidance
During the Navient First Quarter 2025 Earnings Call, guidance was provided on several key metrics. The company reported a 46% increase in loan originations from the previous quarter, with refi loan volume doubling compared to the same period last year. Approximately 55% of the refi originations were for students with graduate degrees, indicating high credit quality. Net interest margin (NIM) in the Federal Family Education Loan Program (FFELP) portfolio improved due to reduced prepayment activity, resulting in a lower loan premium amortization expense. The sale of the government services business was completed, contributing to a significant reduction in operating expenses and a decrease in the employee base by over 80% compared to the end of 2023. The company repurchased $35 million in shares under its current strategy, which is more opportunistic than programmatic, balancing future growth opportunities with purchasing shares at a discount to tangible book value. The core earnings per share for the quarter were $0.25, or $0.28 when adjusted for regulatory and restructuring expenses, with a full-year guidance of $1 to $1.20 per share. The uncertain macroeconomic environment, particularly interest rates, remains a critical factor in the company's outlook.Strong Loan Origination Growth
Refinance loan volume doubled from the same period a year ago, resulting in a 46% increase in originations compared to last quarter. The profile of these borrowers is strong, with 55% being students with graduate degrees.
Net Interest Margin Improvement in FFELP Portfolio
NIM for the first quarter was 61 basis points, 18 basis points higher than the fourth quarter, driven by a slowdown in prepayment activity.
Completion of Government Services Business Sale
Completed the sale in February, which along with previous sales resulted in over $400 million of net proceeds and represents the divestment of the entirety of Navient's Business Processing segment.
Expense Reduction Progress
Operating expenses were reduced by nearly 30% to $130 million, with corporate shared services expenses nearly 20% lower than a year ago.
NAVI Earnings History
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 |
|---|---|---|---|
Apr 30, 2025 | $12.70 | $12.38 | -2.52% |
Jan 29, 2025 | $14.58 | $14.10 | -3.29% |
Oct 30, 2024 | $14.81 | $14.86 | +0.34% |
Jul 24, 2024 | $15.05 | $15.19 | +0.93% |
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 (NAVI) report earnings?
Navient (NAVI) is schdueled to report earning on Jul 29, 2025, TBA Not Confirmed.
What is Navient (NAVI) earnings time?
Navient (NAVI) earnings time is at Jul 29, 2025, TBA Not 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 (Q2) is 0.3.