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Navient Earnings Calls
| Release date | Apr 29, 2026 |
| EPS estimate | $0.170 |
| EPS actual | $0.200 |
| EPS Surprise | 17.65% |
| Revenue estimate | 141.47M |
| Revenue actual | 152M |
| Revenue Surprise | 7.44% |
| Release date | Jan 28, 2026 |
| EPS estimate | $0.314 |
| EPS actual | $0.0200 |
| EPS Surprise | -93.64% |
| Revenue estimate | 159.821M |
| Revenue actual | 144M |
| Revenue Surprise | -9.90% |
| Release date | Oct 29, 2025 |
| EPS estimate | $0.180 |
| EPS actual | $0.290 |
| EPS Surprise | 61.11% |
| Revenue estimate | 136.75M |
| Revenue actual | 800M |
| Revenue Surprise | 485.01% |
| Release date | Jul 30, 2025 |
| EPS estimate | $0.270 |
| EPS actual | $0.210 |
| EPS Surprise | -22.22% |
| Revenue estimate | 146.333M |
| Revenue actual | 806M |
| Revenue Surprise | 450.80% |
Last 4 Quarters for Navient
Below you can see how NAVI performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 30, 2025 |
| Price on release | $12.68 |
| EPS estimate | $0.270 |
| EPS actual | $0.210 |
| EPS surprise | -22.22% |
| Date | Price |
|---|---|
| Jul 24, 2025 | $13.69 |
| Jul 25, 2025 | $13.98 |
| Jul 28, 2025 | $14.06 |
| Jul 29, 2025 | $13.79 |
| Jul 30, 2025 | $12.68 |
| Jul 31, 2025 | $12.94 |
| Aug 01, 2025 | $12.66 |
| Aug 04, 2025 | $12.71 |
| Aug 05, 2025 | $12.50 |
| 4 days before | -7.38% |
| 4 days after | -1.42% |
| On release day | 2.05% |
| Change in period | -8.69% |
| Release date | Oct 29, 2025 |
| Price on release | $11.67 |
| EPS estimate | $0.180 |
| EPS actual | $0.290 |
| EPS surprise | 61.11% |
| Date | Price |
|---|---|
| Oct 23, 2025 | $12.69 |
| Oct 24, 2025 | $12.82 |
| Oct 27, 2025 | $12.92 |
| Oct 28, 2025 | $12.94 |
| Oct 29, 2025 | $11.67 |
| Oct 30, 2025 | $11.99 |
| Oct 31, 2025 | $12.23 |
| Nov 03, 2025 | $12.20 |
| Nov 04, 2025 | $12.00 |
| 4 days before | -8.04% |
| 4 days after | 2.83% |
| On release day | 2.74% |
| Change in period | -5.44% |
| Release date | Jan 28, 2026 |
| Price on release | $9.81 |
| EPS estimate | $0.314 |
| EPS actual | $0.0200 |
| EPS surprise | -93.64% |
| Date | Price |
|---|---|
| Jan 22, 2026 | $12.23 |
| Jan 23, 2026 | $12.08 |
| Jan 26, 2026 | $12.09 |
| Jan 27, 2026 | $12.04 |
| Jan 28, 2026 | $9.81 |
| Jan 29, 2026 | $9.88 |
| Jan 30, 2026 | $9.81 |
| Feb 02, 2026 | $9.98 |
| Feb 03, 2026 | $10.01 |
| 4 days before | -19.79% |
| 4 days after | 2.04% |
| On release day | 0.714% |
| Change in period | -18.15% |
| Release date | Apr 29, 2026 |
| Price on release | $9.51 |
| EPS estimate | $0.170 |
| EPS actual | $0.200 |
| EPS surprise | 17.65% |
| Date | Price |
|---|---|
| Apr 23, 2026 | $8.84 |
| Apr 24, 2026 | $8.95 |
| Apr 27, 2026 | $8.89 |
| Apr 28, 2026 | $9.17 |
| Apr 29, 2026 | $9.51 |
| Apr 30, 2026 | $9.24 |
| May 01, 2026 | $9.17 |
| May 04, 2026 | $8.98 |
| May 05, 2026 | $8.71 |
| 4 days before | 7.58% |
| 4 days after | -8.41% |
| On release day | -2.84% |
| Change in period | -1.47% |
Navient Earnings Call Transcript Summary of Q1 2026
Navient reported Q1 2026 results inline with its full-year outlook, driven by strong loan origination growth, improving credit trends and meaningful expense reductions. Refinance originations grew 65% year-over-year ($778M) with new-loan average FICO of 775, while total originations rose over 60% YoY. In-school (graduate) originations were $40M as the company prepares for a larger peak season opportunity following changes to federal Grad PLUS programs. Credit performance improved across private and FFELP portfolios (31+ day and 91+ day delinquencies declined), though legacy private delinquency/charge-off rates remain above long-term norms and management expects further improvement. Core earnings per share were $0.20; core operating expenses were $89M (a 30% YoY improvement) and the company reiterates its $350M expense target for 2026. Navient completed securitizations ($683M refi and $550M in-school), repurchased $23M of shares in the quarter (2.3M shares at $9.91 average), and returned $38M to shareholders via buybacks and dividends. Adjusted tangible equity ratio remained strong at 8.9%. Leadership will change: CEO David Yowan will step down and Ed Bramson will become CEO in a few weeks. Management remains cautious on macro/geopolitical risks but confident in funding capacity and execution on in-school/graduate lending and ongoing product tests (personal loans).
