HERNDON, Va., June 05, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) today held its 2025 Annual Meeting of Shareholders. Shareholders voted in accordance with the recommendations of the company’s board of directors to approve three proposals, including the election of seven nominees to the board. Linda Mills did not stand for reelection at the 2025 annual meeting. Ms. Mills joined the Navient board of directors in 2014 and served as chair since 2019. “Linda’s leadership and service on the board since Navi ...

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For the transition period from to UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-36228 Navient Corporation (Exact name of registrant as specified in its charter) Delaware 46-4054283 (State or other jurisdicti ...

Core Insights - Navient Corporation (NAVI) reported first-quarter 2025 adjusted earnings per share (EPS) of 28 cents, exceeding the Zacks Consensus Estimate of 19 cents, but down from 63 cents in the prior-year quarter [1] - The results were primarily driven by lower expenses, although there was an increase in provision for loan losses and a decrease in net interest income (NII) [1][8] - The company's GAAP net loss was $2 million compared to a net income of $73 million in the prior-year quarter [1] Financial Performance - NII decreased by 11.7% year over year to $144 million, surpassing the Zacks Consensus Estimate by 7.4% [2] - Total other income fell 80.1% year over year to $26 million [2] - Provision for loan losses rose to $30 million from $12 million in the prior-year quarter [2] - Total expenses decreased by 29.9% year over year to $131 million [2] Segment Performance - Federal Education Loans segment generated a net income of $24 million, down 40% year over year, with net FFELP loans at $30.2 billion, a 1.9% sequential decline [3] - Consumer Lending segment reported a net income of $46 million, a decrease of 36.9% from the year-ago quarter, with a private education loan delinquency rate greater than 30 days at 6.4%, up from 5% in the prior-year quarter [3] - Business Processing segment net income was $2 million compared to $6 million in the year-ago quarter [4] Liquidity and Capital Management - As of March 31, 2025, the company had $642 million in total unrestricted cash and liquid investments [6] - To meet liquidity needs, NAVI plans to utilize various sources, including cash, predictable operating cash flows, and may draw down on secured loan facilities or issue additional debt [5] Capital Distribution Activities - In the first quarter, the company paid out $16 million in common stock dividends and repurchased shares for $35 million, with $76 million remaining in share-repurchase authority as of March 31, 2025 [7] Strategic Outlook - The company is recognized as a significant holder of private education loans, with diversified business segments expected to support revenue growth [8] - Strategic actions to control expenses are anticipated to bolster financial performance in the upcoming periods, despite concerns over lower NII [8]

For the quarter ended March 2025, Navient (NAVI) reported revenue of $144 million, down 11.7% over the same period last year. EPS came in at $0.28, compared to $0.63 in the year-ago quarter.The reported revenue represents a surprise of +7.38% over the Zacks Consensus Estimate of $134.11 million. With the consensus EPS estimate being $0.19, the EPS surprise was +47.37%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expec ...

Company Performance - Navient (NAVI) reported quarterly earnings of $0.28 per share, exceeding the Zacks Consensus Estimate of $0.19 per share, but down from $0.63 per share a year ago, representing an earnings surprise of 47.37% [1] - The company posted revenues of $144 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 7.38%, although this is a decrease from year-ago revenues of $163 million [2] - Over the last four quarters, Navient has surpassed consensus EPS estimates four times, but has only topped consensus revenue estimates once [2] Stock Outlook - The immediate price movement of Navient's stock will largely depend on management's commentary during the earnings call [3] - Navient shares have declined approximately 4.4% since the beginning of the year, compared to a decline of 5.5% for the S&P 500 [3] - The current consensus EPS estimate for the upcoming quarter is $0.28 on revenues of $136.06 million, and for the current fiscal year, it is $1.02 on revenues of $553.05 million [7] Industry Context - The Financial - Consumer Loans industry, to which Navient belongs, is currently ranked in the top 22% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8] - Empirical research suggests a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [5]

HERNDON, Va., April 30, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) today posted its 2025 first quarter financial results. Complete financial results are available on the company’s website at Navient.com/investors. The materials will also be available on a Form 8-K on the SEC’s website at www.sec.gov. Navient will hold a live audio webcast today, April 30, 2025, at 8 a.m. ET, hosted by David Yowan, president and CEO, and Joe Fisher, CFO. Analysts and investors who wish to ask questions are requested to ...

Financial Performance - GAAP net loss of $2 million, with core earnings of $26 million, resulting in a diluted loss per share of $0.02 and earnings per share of $0.25 respectively[2] - Net income for Q1 2025 was $(2) million, a decrease of 108% compared to $24 million in Q4 2024 and a decrease of 103% from $73 million in Q1 2024[22] - Diluted earnings per share for Q1 2025 was $(0.02), down from $0.22 in Q4 2024 and $0.64 in Q1 2024, representing a 109% decrease year-over-year[22] - Total revenue for the Federal Education Loans segment was $51 million, down from $69 million in the same quarter last year, while total revenue for the Consumer Lending segment was $94 million, down from $127 million[5][8] - Total other income for Q1 2025 was $26 million, with servicing revenue contributing $13 million[52] Loan Performance - Federal Education Loans segment reported net income of $24 million and a net interest margin of 0.61%, with FFELP Loan prepayments decreasing to $256 million from $1.6 billion year-over-year[3] - Consumer Lending segment generated net income of $46 million, with a net interest margin of 2.76% and originated $508 million in Private Education Loans, including $470 million in refinance loans[8][9] - The ending total education loans, net, was $45,934 million as of March 31, 2025, a decrease from $46,568 million at the end of Q4 2024 and $52,487 million at the end of Q1 2024[22] - The allowance for loan losses at the end of the period for FFELP loans was $182 million and for Private Education loans was $397 million, totaling $579 million[34] - The ending total loans for the quarter were $30.426 billion for FFELP loans and $16.087 billion for Private Education loans, totaling $46.513 billion[34] Expenses and Charges - Operating expenses were $127 million, with $10 million related to transition services for strategic initiatives expected to be completed by the end of 2025[3] - Operating expenses decreased to $127 million in Q1 2025 from $146 million in Q4 2024, a reduction of 13%[24] - Net charge-offs in the Consumer Lending segment were $71 million, down from $99 million year-over-year, with a net charge-off rate of 1.87%[9] - The company reported a loss on derivative and hedging activities of $(25) million in Q1 2025, compared to a gain of $59 million in Q4 2024, indicating a significant volatility in this area[24] - The total provision for loan losses in the quarter ended March 31, 2025, was $30 million, compared to $45 million in the previous quarter[34] Shareholder Actions - The company repurchased $35 million of common shares, with $76 million remaining in common share repurchase authority[3] - The company repurchased 2.6 million shares of common stock for $35 million in the first quarter of 2025, with $76 million of unused share repurchase authority remaining[41] - The company repurchased 2.6 million shares of common stock in both the first quarters of 2025 and 2024, resulting in a 12 million share decrease in average outstanding diluted shares[30] Regulatory and Market Risks - The company continues to face risks related to regulatory changes and market conditions that could impact its financial performance and operational strategies[18] - The effective income tax rate increased to 54% from 17% in the prior year, driven by state tax expenses and changes in valuation allowances[29] Cash and Assets - The company reported unrestricted cash of $642 million as of March 31, 2025, down from $722 million at the end of December 2024[42] - The average unrestricted cash balance for the quarter was $572 million, compared to $737 million in the previous quarter[42] - As of March 31, 2025, the company reported total unencumbered tangible assets of $2.8 billion, including $1.3 billion in unencumbered education loans[44] - The company had $4.8 billion of encumbered net assets as of March 31, 2025, with $0.7 billion in outstanding repurchase facility borrowings[44] Equity and Tangible Assets - The company reported a GAAP equity-to-asset ratio of 5.1% and an adjusted tangible equity ratio of 9.9%[3] - Total tangible equity stood at $2.2 billion as of March 31, 2025, unchanged from the previous quarter[46] - The company reported a tangible equity of $2,152 million as of March 31, 2025, down from $2,204 million on December 31, 2024[78]

If you are looking for a stock that has a solid history of beating earnings estimates and is in a good position to maintain the trend in its next quarterly report, you should consider Navient (NAVI) . This company, which is in the Zacks Financial - Consumer Loans industry, shows potential for another earnings beat.This student loan servicing company has seen a nice streak of beating earnings estimates, especially when looking at the previous two reports. The average surprise for the last two quarters was 23 ...

HERNDON, Va., April 09, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) will host an audio webcast to review its first quarter 2025 financial results on Wednesday, April 30, 2025, at 8:00 a.m. Eastern Time. The results are scheduled to be released the same day by 7:00 a.m. on Navient.com/investors. In addition to being available on the company’s investor website, the results will be filed with the SEC on a Form 8-K available at SEC.gov. The webcast and presentation slides also will be available on Navient.c ...