Navient to Announce Q4 Earnings on January 28
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 27 2026
0mins
Should l Buy NAVI?
Source: seekingalpha
- Earnings Announcement Date: Navient (NAVI) is set to release its Q4 2023 earnings report on January 28 before market open, with a consensus EPS estimate of $0.31, reflecting a substantial year-over-year increase of 229.2%, indicating a significant improvement in profitability.
- Revenue Expectations Decline: Despite strong EPS expectations, the revenue estimate stands at $138.25 million, representing a 38.0% year-over-year decline, highlighting challenges in revenue growth that could impact overall financial health.
- Historical Performance Review: Over the past two years, NAVI has beaten EPS estimates 38% of the time and revenue estimates 75% of the time, demonstrating relative stability in financial forecasting, although recent estimates for both EPS and revenue have seen multiple downward revisions.
- Estimation Revision Dynamics: In the last three months, EPS estimates have undergone three upward revisions and six downward revisions, while revenue estimates have seen one upward and three downward revisions, indicating market divergence in expectations for Navient's future performance.
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Analyst Views on NAVI
Wall Street analysts forecast NAVI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NAVI is 13.00 USD with a low forecast of 11.00 USD and a high forecast of 18.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
7 Analyst Rating
1 Buy
3 Hold
3 Sell
Moderate Sell
Current: 10.010
Low
11.00
Averages
13.00
High
18.00
Current: 10.010
Low
11.00
Averages
13.00
High
18.00
About NAVI
Navient Corporation provides technology-enabled education finance solutions. The Company's businesses include Federal Education Loans and Consumer Lending. The Company's Federal Education Loans business includes owning and managing Federal Family Education Loan Program (FFELP) Loans and is the master servicer on this portfolio. Its Consumer Lending business includes owning and managing Private Education Loans and is the master servicer for these portfolios. The Company, through its Earnest brand, also refinances and originates in-school Private Education Loans. The Company helps students and families on the planning and paying for college journey. Its digital tools empower people to find scholarships and compare financial aid offers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Debt Influences Dating Preferences Among Americans
- Debt as a Dealbreaker: The 2026 Debt and Dating Research Report by Earnest reveals that 55% of participants consider at least one type of debt a dealbreaker, with payday loans (41%) and high-interest credit card debt (14%) being the most significant, indicating that debt is increasingly shaping dating preferences among Americans.
- Communication Gaps Heighten Tension: Despite 60% of respondents identifying money as the primary source of relationship tension, 61% wait until they are officially exclusive to disclose their debt, creating a silence that often exacerbates stress, mistrust, and conflict, highlighting a significant communication barrier regarding financial issues.
- Importance of Clear Plans: Emily Childers, CMO of Earnest, emphasizes that unmanaged debt is perceived as unmanaged life; while debt itself may not be a dealbreaker, the absence of a clear repayment strategy can turn it into a red flag, underscoring the necessity of having a defined financial plan in dating.
- Research Methodology and Context: The study is based on proprietary data collected in November 2025, including an anonymous survey of 1,102 Americans and qualitative insights from five in-depth user interviews, demonstrating the profound impact of debt on interpersonal relationships and the need for financial transparency in modern dating.
See More
Navient Corporation Q4 2025 Earnings Call Insights
- Leadership Changes: Navient appointed Steve Hauber as CFO and is searching for a fintech-experienced CFO to better align with its strategic goals, which is expected to enhance management efficiency and business execution.
- Significant Cost Reductions: The company successfully completed Phase 1 of its transformation, exceeding its $400 million expense reduction goal, which is projected to increase future loan cash flows by $2 billion, enhancing financial flexibility and supporting new growth initiatives.
- Innovative Loan Issuance: Earnest achieved total loan originations of $2.5 billion in 2025, with refinancing loans reaching $2.1 billion, and targets $4 billion in total loan originations for 2026, representing over 60% growth, indicating strong market demand.
- Optimistic Financial Outlook: Management expects core EPS for 2026 to range between $0.65 and $0.80, with expenses reduced to $350 million, reflecting confidence in future growth while emphasizing ongoing attention to credit quality.
See More
Navient Reports Q4 Earnings Miss with Strategic Transformation Updates
- Earnings Miss: Navient reported a Q4 non-GAAP EPS of $0.02, missing estimates by $0.29, indicating challenges in profitability that could undermine investor confidence.
- Significant Revenue Decline: The company's Q4 revenue of $137 million represents a 38.6% year-over-year decline, falling short of expectations, reflecting ongoing weakness in its core business that may hinder future growth.
- Strategic Transformation Progress: In its earnings report, Navient discussed progress in the strategic transformation of its Earnest division, demonstrating a commitment to innovation and market expansion despite financial challenges, which suggests long-term growth potential.
- Executive Change: Navient appointed Steve Hauber as CFO, a leadership change that may bring new financial strategies and management direction aimed at improving financial performance and enhancing market competitiveness.
See More
Navient to Announce Q4 Earnings on January 28
- Earnings Announcement Date: Navient (NAVI) is set to release its Q4 2023 earnings report on January 28 before market open, with a consensus EPS estimate of $0.31, reflecting a substantial year-over-year increase of 229.2%, indicating a significant improvement in profitability.
- Revenue Expectations Decline: Despite strong EPS expectations, the revenue estimate stands at $138.25 million, representing a 38.0% year-over-year decline, highlighting challenges in revenue growth that could impact overall financial health.
- Historical Performance Review: Over the past two years, NAVI has beaten EPS estimates 38% of the time and revenue estimates 75% of the time, demonstrating relative stability in financial forecasting, although recent estimates for both EPS and revenue have seen multiple downward revisions.
- Estimation Revision Dynamics: In the last three months, EPS estimates have undergone three upward revisions and six downward revisions, while revenue estimates have seen one upward and three downward revisions, indicating market divergence in expectations for Navient's future performance.
See More
Navient Appoints New CFO to Optimize Strategic Structure
- Leadership Restructuring: Navient announces the appointment of Steve Hauber as the new CFO, responsible for finance, accounting, and capital markets, aiming to better align leadership with market growth opportunities.
- New Role Creation: A dedicated CFO position for its subsidiary Earnest has been established, with a search underway to enhance capabilities in the fintech sector to capture growth opportunities.
- Operational Responsibility Reorganization: COO Troy Standish continues to manage education finance while also taking on technology and human resources operations, ensuring the company's sustained competitiveness in the education loan market.
- Leadership Transition: Current CFO Joe Fisher will depart in the first quarter while supporting the leadership transition, reflecting the company's strategic adjustments at the executive level to adapt to market changes.
See More
Upcoming Ex-Dividend Dates for Amerisafe, Kimco Realty, and Navient
Upcoming Ex-Dividend Dates: On December 5, 2025, Amerisafe Inc (AMSF), Kimco Realty Corp (KIM), and Navient Corp (NAVI) will trade ex-dividend, with respective dividends of $0.39, $0.26, and $0.16 scheduled for payment on December 12 and 19, 2025.
Expected Stock Price Adjustments: Following the ex-dividend date, Amerisafe Inc shares are expected to drop by approximately 0.97%, Kimco Realty Corp by 1.28%, and Navient Corp by 1.27%, based on their recent stock prices.
Dividend Yield Estimates: The estimated annualized dividend yields for the companies are 3.89% for Amerisafe Inc, 5.12% for Kimco Realty Corp, and 5.08% for Navient Corp, indicating potential stability in their dividend payments.
Current Trading Performance: As of the latest trading session, Amerisafe Inc shares are down about 0.7%, Kimco Realty Corp shares are down about 0.9%, while Navient Corp shares have increased by approximately 2%.
See More
Debt Influences Dating Preferences Among Americans
- Debt as a Dealbreaker: The 2026 Debt and Dating Research Report by Earnest reveals that 55% of participants consider at least one type of debt a dealbreaker, with payday loans (41%) and high-interest credit card debt (14%) being the most significant, indicating that debt is increasingly shaping dating preferences among Americans.
- Communication Gaps Heighten Tension: Despite 60% of respondents identifying money as the primary source of relationship tension, 61% wait until they are officially exclusive to disclose their debt, creating a silence that often exacerbates stress, mistrust, and conflict, highlighting a significant communication barrier regarding financial issues.
- Importance of Clear Plans: Emily Childers, CMO of Earnest, emphasizes that unmanaged debt is perceived as unmanaged life; while debt itself may not be a dealbreaker, the absence of a clear repayment strategy can turn it into a red flag, underscoring the necessity of having a defined financial plan in dating.
- Research Methodology and Context: The study is based on proprietary data collected in November 2025, including an anonymous survey of 1,102 Americans and qualitative insights from five in-depth user interviews, demonstrating the profound impact of debt on interpersonal relationships and the need for financial transparency in modern dating.
See More
Navient Corporation Q4 2025 Earnings Call Insights
- Leadership Changes: Navient appointed Steve Hauber as CFO and is searching for a fintech-experienced CFO to better align with its strategic goals, which is expected to enhance management efficiency and business execution.
- Significant Cost Reductions: The company successfully completed Phase 1 of its transformation, exceeding its $400 million expense reduction goal, which is projected to increase future loan cash flows by $2 billion, enhancing financial flexibility and supporting new growth initiatives.
- Innovative Loan Issuance: Earnest achieved total loan originations of $2.5 billion in 2025, with refinancing loans reaching $2.1 billion, and targets $4 billion in total loan originations for 2026, representing over 60% growth, indicating strong market demand.
- Optimistic Financial Outlook: Management expects core EPS for 2026 to range between $0.65 and $0.80, with expenses reduced to $350 million, reflecting confidence in future growth while emphasizing ongoing attention to credit quality.
See More
Navient Reports Q4 Earnings Miss with Strategic Transformation Updates
- Earnings Miss: Navient reported a Q4 non-GAAP EPS of $0.02, missing estimates by $0.29, indicating challenges in profitability that could undermine investor confidence.
- Significant Revenue Decline: The company's Q4 revenue of $137 million represents a 38.6% year-over-year decline, falling short of expectations, reflecting ongoing weakness in its core business that may hinder future growth.
- Strategic Transformation Progress: In its earnings report, Navient discussed progress in the strategic transformation of its Earnest division, demonstrating a commitment to innovation and market expansion despite financial challenges, which suggests long-term growth potential.
- Executive Change: Navient appointed Steve Hauber as CFO, a leadership change that may bring new financial strategies and management direction aimed at improving financial performance and enhancing market competitiveness.
See More
Navient to Announce Q4 Earnings on January 28
- Earnings Announcement Date: Navient (NAVI) is set to release its Q4 2023 earnings report on January 28 before market open, with a consensus EPS estimate of $0.31, reflecting a substantial year-over-year increase of 229.2%, indicating a significant improvement in profitability.
- Revenue Expectations Decline: Despite strong EPS expectations, the revenue estimate stands at $138.25 million, representing a 38.0% year-over-year decline, highlighting challenges in revenue growth that could impact overall financial health.
- Historical Performance Review: Over the past two years, NAVI has beaten EPS estimates 38% of the time and revenue estimates 75% of the time, demonstrating relative stability in financial forecasting, although recent estimates for both EPS and revenue have seen multiple downward revisions.
- Estimation Revision Dynamics: In the last three months, EPS estimates have undergone three upward revisions and six downward revisions, while revenue estimates have seen one upward and three downward revisions, indicating market divergence in expectations for Navient's future performance.
See More
Navient Appoints New CFO to Optimize Strategic Structure
- Leadership Restructuring: Navient announces the appointment of Steve Hauber as the new CFO, responsible for finance, accounting, and capital markets, aiming to better align leadership with market growth opportunities.
- New Role Creation: A dedicated CFO position for its subsidiary Earnest has been established, with a search underway to enhance capabilities in the fintech sector to capture growth opportunities.
- Operational Responsibility Reorganization: COO Troy Standish continues to manage education finance while also taking on technology and human resources operations, ensuring the company's sustained competitiveness in the education loan market.
- Leadership Transition: Current CFO Joe Fisher will depart in the first quarter while supporting the leadership transition, reflecting the company's strategic adjustments at the executive level to adapt to market changes.
See More
Upcoming Ex-Dividend Dates for Amerisafe, Kimco Realty, and Navient
Upcoming Ex-Dividend Dates: On December 5, 2025, Amerisafe Inc (AMSF), Kimco Realty Corp (KIM), and Navient Corp (NAVI) will trade ex-dividend, with respective dividends of $0.39, $0.26, and $0.16 scheduled for payment on December 12 and 19, 2025.
Expected Stock Price Adjustments: Following the ex-dividend date, Amerisafe Inc shares are expected to drop by approximately 0.97%, Kimco Realty Corp by 1.28%, and Navient Corp by 1.27%, based on their recent stock prices.
Dividend Yield Estimates: The estimated annualized dividend yields for the companies are 3.89% for Amerisafe Inc, 5.12% for Kimco Realty Corp, and 5.08% for Navient Corp, indicating potential stability in their dividend payments.
Current Trading Performance: As of the latest trading session, Amerisafe Inc shares are down about 0.7%, Kimco Realty Corp shares are down about 0.9%, while Navient Corp shares have increased by approximately 2%.
See More
