Q3 Earnings Forecast for Navient Issued By Seaport Res Ptn

Key Points

• Seaport Res Ptn has lowered Navient's Q3 2025 earnings per share estimate from $0.23 to $0.19, reflecting a downward trend in forecasts.
• Navient's recent Q2 earnings report showed an EPS of $0.21, which was below analysts' expectations of $0.27, and the company has guided for its full-year 2025 EPS to be between $0.950 and $1.050.
• Analysts' ratings for Navient are mixed, with one Strong Buy, four Hold, and four Sell ratings, alongside a targeted average price of $13.06.

Navient Corporation (NASDAQ:NAVI - Free Report) - Stock analysts at Seaport Res Ptn dropped their Q3 2025 earnings per share (EPS) estimates for Navient in a note issued to investors on Monday, September 29th. Seaport Res Ptn analyst W. Ryan now forecasts that the credit services provider will post earnings of $0.19 per share for the quarter, down from their prior forecast of $0.23. The consensus estimate for Navient's current full-year earnings is $1.04 per share.

Navient (NASDAQ:NAVI - Get Free Report) last released its earnings results on Wednesday, July 30th. The credit services provider reported $0.21 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.27 by ($0.06). Navient had a net margin of 0.89% and a return on equity of 4.08%. The business had revenue of $156.00 million during the quarter, compared to the consensus estimate of $156.20 million. During the same quarter in the prior year, the firm earned $0.29 EPS. Navient has set its FY 2025 guidance at 0.950-1.050 EPS.

A number of other research firms have also recently issued reports on NAVI. Bank of America cut Navient from a "neutral" rating to an "underperform" rating and set a $12.00 target price on the stock. in a research report on Thursday, September 4th. Keefe, Bruyette & Woods decreased their target price on Navient from $16.50 to $15.00 and set a "market perform" rating on the stock in a research report on Thursday, July 31st. JPMorgan Chase & Co. boosted their price target on Navient from $12.50 to $15.50 and gave the stock a "neutral" rating in a report on Friday, July 11th. Finally, Morgan Stanley reduced their price target on Navient from $15.00 to $14.00 and set an "equal weight" rating on the stock in a report on Thursday, July 31st. One investment analyst has rated the stock with a Strong Buy rating, four have given a Hold rating and four have given a Sell rating to the stock. According to data from MarketBeat, the company has an average rating of "Reduce" and an average price target of $13.06.

Navient Stock Performance

Navient stock opened at $13.15 on Wednesday. Navient has a 12-month low of $10.53 and a 12-month high of $16.15. The company has a quick ratio of 9.94, a current ratio of 9.94 and a debt-to-equity ratio of 16.52. The business's 50-day moving average price is $13.20 and its two-hundred day moving average price is $13.20. The stock has a market cap of $1.31 billion, a PE ratio of 42.42 and a beta of 1.35.

Hedge Funds Weigh In On Navient

Several institutional investors have recently added to or reduced their stakes in the business. Corient Private Wealth LLC lifted its stake in Navient by 6.8% in the second quarter. Corient Private Wealth LLC now owns 18,372 shares of the credit services provider's stock valued at $259,000 after buying an additional 1,168 shares during the period. Squarepoint Ops LLC lifted its stake in Navient by 9.8% in the second quarter. Squarepoint Ops LLC now owns 56,744 shares of the credit services provider's stock valued at $800,000 after buying an additional 5,087 shares during the period. Public Sector Pension Investment Board lifted its stake in Navient by 7.4% in the second quarter. Public Sector Pension Investment Board now owns 315,497 shares of the credit services provider's stock valued at $4,449,000 after buying an additional 21,640 shares during the period. CANADA LIFE ASSURANCE Co lifted its stake in Navient by 2.6% in the second quarter. CANADA LIFE ASSURANCE Co now owns 119,586 shares of the credit services provider's stock valued at $1,689,000 after buying an additional 3,003 shares during the period. Finally, Tower Research Capital LLC TRC lifted its stake in Navient by 346.5% in the second quarter. Tower Research Capital LLC TRC now owns 21,754 shares of the credit services provider's stock valued at $307,000 after buying an additional 16,882 shares during the period. 97.14% of the stock is owned by institutional investors and hedge funds.

Navient Dividend Announcement

The firm also recently declared a quarterly dividend, which was paid on Friday, September 19th. Shareholders of record on Friday, September 5th were paid a $0.16 dividend. The ex-dividend date of this dividend was Friday, September 5th. This represents a $0.64 annualized dividend and a yield of 4.9%. Navient's payout ratio is 206.45%.

About Navient

Navient Corporation provides technology-enabled education finance and business processing solutions for education, health care, and government clients in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions.

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