What is Seaport Res Ptn's Forecast for Navient Q3 Earnings?

Key Points

• Seaport Res Ptn increased their Q3 2025 earnings per share (EPS) estimate for Navient from $0.17 to $0.23, with a full-year consensus estimate at $1.04.
• A range of analysts have adjusted their price targets for Navient, with the consensus rating categorized as "Hold" and an average target price of $13.56.
• Navient recently reported a quarterly EPS of $0.21, missing expectations, and noted a dividend yield of 5.0% with a payout ratio of 206.45%.

Navient Corporation (NASDAQ:NAVI - Free Report) - Equities research analysts at Seaport Res Ptn boosted their Q3 2025 EPS estimates for shares of Navient in a research note issued to investors on Monday, August 4th. Seaport Res Ptn analyst W. Ryan now forecasts that the credit services provider will earn $0.23 per share for the quarter, up from their prior estimate of $0.17. The consensus estimate for Navient's current full-year earnings is $1.04 per share. Seaport Res Ptn also issued estimates for Navient's Q4 2025 earnings at $0.37 EPS and FY2026 earnings at $1.40 EPS.

A number of other equities analysts have also recently weighed in on the company. TD Securities lifted their price target on Navient from $11.00 to $12.00 and gave the stock a "sell" rating in a research note on Thursday, May 1st. Morgan Stanley decreased their target price on Navient from $15.00 to $14.00 and set an "equal weight" rating for the company in a research note on Thursday, July 31st. Keefe, Bruyette & Woods decreased their target price on shares of 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. lifted their price target on shares of Navient from $12.50 to $15.50 and gave the company a "neutral" rating in a report on Friday, July 11th. Finally, Jefferies Financial Group lowered their price target on shares of Navient from $14.00 to $12.00 and set a "hold" rating for the company in a report on Monday, April 21st. Three equities research analysts have rated the stock with a sell rating, six have given a hold rating and one has given a strong buy rating to the company. According to data from MarketBeat.com, the company has a consensus rating of "Hold" and a consensus target price of $13.56.

Navient Stock Up 0.4%

NAVI stock opened at $12.71 on Tuesday. The firm's 50-day moving average is $13.98 and its two-hundred day moving average is $13.40. The company has a current ratio of 9.94, a quick ratio of 9.94 and a debt-to-equity ratio of 16.52. The company has a market capitalization of $1.26 billion, a price-to-earnings ratio of 41.00 and a beta of 1.37. Navient has a 52 week low of $10.53 and a 52 week high of $16.97.

Navient (NASDAQ:NAVI - Get Free Report) last issued its quarterly earnings data on Wednesday, July 30th. The credit services provider reported $0.21 EPS for the quarter, missing analysts' consensus estimates of $0.27 by ($0.06). Navient had a return on equity of 4.08% and a net margin of 0.89%. The company had revenue of $156.00 million for the quarter, compared to the consensus estimate of $156.20 million. During the same quarter in the previous year, the company earned $0.29 earnings per share.

Institutional Investors Weigh In On Navient

Large investors have recently added to or reduced their stakes in the stock. Allianz Asset Management GmbH boosted its stake in Navient by 47.1% in the first quarter. Allianz Asset Management GmbH now owns 381,040 shares of the credit services provider's stock valued at $4,813,000 after buying an additional 122,061 shares in the last quarter. Bank of America Corp DE boosted its stake in shares of Navient by 69.4% in the 4th quarter. Bank of America Corp DE now owns 667,372 shares of the credit services provider's stock valued at $8,869,000 after purchasing an additional 273,483 shares in the last quarter. Two Sigma Investments LP grew its holdings in shares of Navient by 39.0% during the 4th quarter. Two Sigma Investments LP now owns 130,046 shares of the credit services provider's stock valued at $1,728,000 after purchasing an additional 36,498 shares during the last quarter. UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC increased its position in Navient by 19.0% during the 4th quarter. UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC now owns 192,867 shares of the credit services provider's stock worth $2,563,000 after purchasing an additional 30,798 shares in the last quarter. Finally, Two Sigma Advisers LP lifted its stake in Navient by 149.5% in the 4th quarter. Two Sigma Advisers LP now owns 51,900 shares of the credit services provider's stock valued at $690,000 after purchasing an additional 31,100 shares during the last quarter. Institutional investors and hedge funds own 97.14% of the company's stock.

Navient Announces Dividend

The firm also recently disclosed a quarterly dividend, which was paid on Friday, June 20th. Shareholders of record on Friday, June 6th were paid a $0.16 dividend. The ex-dividend date was Friday, June 6th. This represents a $0.64 annualized dividend and a yield of 5.0%. 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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