Navient (NASDAQ:NAVI) Announces Earnings Results, Misses Expectations By $0.29 EPS

Navient (NASDAQ:NAVI) announced its earnings results on Wednesday. The credit services provider reported $0.02 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $0.31 by ($0.29), Briefing.com reports. Navient had a negative net margin of 2.47% and a positive return on equity of 4.70%. The firm had revenue of $137.00 million during the quarter, compared to analyst estimates of $144.25 million. During the same period last year, the company earned ($0.24) earnings per share. Navient updated its FY 2026 guidance to 0.650-0.800 EPS.

Navient Price Performance

Shares of NASDAQ:NAVI traded down $0.05 on Friday, reaching $9.83. 495,419 shares of the company traded hands, compared to its average volume of 937,768. Navient has a fifty-two week low of $9.35 and a fifty-two week high of $16.07. The stock has a market capitalization of $958.13 million, a PE ratio of -12.07 and a beta of 1.29. The company has a debt-to-equity ratio of 16.94, a current ratio of 9.01 and a quick ratio of 9.41. The company’s 50 day moving average is $12.51 and its 200-day moving average is $12.78.

Navient Dividend Announcement

The firm also recently announced a quarterly dividend, which was paid on Friday, December 19th. Investors of record on Friday, December 5th were paid a dividend of $0.16 per share. The ex-dividend date of this dividend was Friday, December 5th. This represents a $0.64 annualized dividend and a yield of 6.5%. Navient’s dividend payout ratio is currently -118.52%.

Key Headlines Impacting Navient

Here are the key news stories impacting Navient this week:

• Positive Sentiment: Potential policy tailwind — some private student‑loan lenders view the new federal repayment overhaul as an opportunity for market activity and product demand that could help originations over time. Major private student‑loan companies are ‘excited’ about Trump’s repayment overhaul
• Positive Sentiment: Management is pushing growth and cost discipline — Navient is targeting ~60% loan originations growth to $4B in 2026 and highlighted expense reductions and strategic realignment on the earnings call, which could support future revenue expansion if execution holds. Navient targets 60% loan origination growth to $4B in 2026
• Neutral Sentiment: Mixed underlying results — Q4 showed lower expenses and provisions that helped results on one line, but net interest and other income declined year‑over‑year, leaving the quarter mixed from a fundamentals standpoint. NAVI Q4 Earnings Top on Lower Expenses, Shares Fall as NII Decline Y/Y
• Neutral Sentiment: Earnings call detail — transcripts and analyst summaries show management acknowledging “legacy” portfolio losses while outlining growth ambitions; investors will watch execution and loan portfolio performance. Navient Q4 2025 Earnings Call Transcript
• Negative Sentiment: Clear market reaction to the miss — Navient reported an EPS miss and weaker revenue, prompting a sharp share drop and a new one‑year low as investors reassess near‑term profitability. Navient Stock Price Down 10% After Earnings Miss
• Negative Sentiment: Analyst downgrades and price‑target cuts — Deutsche Bank cut its target to $9 (hold) and other brokers have trimmed ratings; consensus broker sentiment has turned negative, increasing selling pressure. Navient price target lowered at Deutsche Bank
• Negative Sentiment: Brokerage consensus is weak — several reports indicate an average rating around “strong sell,” which amplifies downside risk until results or guidance improve. Navient Receives Average Rating of “Strong Sell” from Brokerages

Hedge Funds Weigh In On Navient

Several institutional investors and hedge funds have recently bought and sold shares of NAVI. Orbis Allan Gray Ltd lifted its position in shares of Navient by 23.2% in the second quarter. Orbis Allan Gray Ltd now owns 2,848,718 shares of the credit services provider’s stock worth $40,167,000 after purchasing an additional 536,933 shares in the last quarter. Millennium Management LLC lifted its position in Navient by 70.0% in the 3rd quarter. Millennium Management LLC now owns 888,186 shares of the credit services provider’s stock worth $11,680,000 after buying an additional 365,677 shares in the last quarter. UBS Group AG boosted its stake in shares of Navient by 71.7% during the 3rd quarter. UBS Group AG now owns 451,973 shares of the credit services provider’s stock valued at $5,943,000 after buying an additional 188,684 shares during the period. Bank of America Corp DE grew its holdings in shares of Navient by 50.1% during the 2nd quarter. Bank of America Corp DE now owns 462,101 shares of the credit services provider’s stock valued at $6,516,000 after acquiring an additional 154,171 shares in the last quarter. Finally, Jacobs Levy Equity Management Inc. increased its stake in shares of Navient by 457.7% in the third quarter. Jacobs Levy Equity Management Inc. now owns 147,085 shares of the credit services provider’s stock worth $1,934,000 after acquiring an additional 120,711 shares during the last quarter. Hedge funds and other institutional investors own 97.14% of the company’s stock.

Analyst Ratings Changes

NAVI has been the topic of several research analyst reports. TD Cowen restated a “sell” rating on shares of Navient in a report on Thursday, October 30th. Deutsche Bank Aktiengesellschaft lowered their target price on Navient from $15.00 to $9.00 and set a “hold” rating for the company in a research note on Thursday. Morgan Stanley set a $12.00 price objective on shares of Navient in a research report on Wednesday. Barclays set a $9.00 price objective on Navient in a report on Thursday. Finally, JPMorgan Chase & Co. decreased their price target on shares of Navient from $14.00 to $12.50 and set a “neutral” rating for the company in a research report on Thursday, October 30th. Five equities research analysts have rated the stock with a Hold rating and five have assigned a Sell rating to the company. According to MarketBeat.com, the company has a consensus rating of “Reduce” and a consensus target price of $11.63.

Navient Company Profile

Navient Corporation (NASDAQ: NAVI) is a specialized provider of asset management and business processing solutions, with a primary focus on student loan servicing. Established in 2014 through the separation from Sallie Mae, Navient assumed responsibility for servicing federal and private education loans, positioning itself as one of the largest servicers of higher education debt in the United States.

The company’s core activities center on federal student loan servicing under contracts with the U.S.