Navient (NAVI) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended December 2024, Navient (NAVI) reported revenue of $134 million, down 30.6% over the same period last year. EPS came in at $0.25, compared to $0.70 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $151.05 million, representing a surprise of -11.29%. The company delivered an EPS surprise of +25.00%, with the consensus EPS estimate being $0.20.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Navient performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net interest margin, Consumer Lending segment: 2.8% versus the two-analyst average estimate of 2.9%. Net interest margin, Federal Education Loan segment: 0.4% versus 0.5% estimated by two analysts on average. Asset recovery and business processing revenue: $43 million compared to the $41.92 million average estimate based on four analysts. Servicing revenue: $6 million compared to the $13.50 million average estimate based on four analysts. Other income: $8 million compared to the $7.27 million average estimate based on three analysts. Net interest income (loss)- Federal Education Loans (Core): $35 million compared to the $40.48 million average estimate based on two analysts. Total core other income- Other: $8 million compared to the $7.90 million average estimate based on two analysts. Total core other income- Consumer Lending: $1 million versus the two-analyst average estimate of $2.04 million. Total core other income- Business Processing: $15 million compared to the $27.83 million average estimate based on two analysts. Total core other income- Federal Education Loans: $5 million compared to the $10.45 million average estimate based on two analysts. Total Non Interest Income (Core): $29 million versus $75.44 million estimated by two analysts on average. Net Interest Income (Core): $134 million versus $136.16 million estimated by two analysts on average. View all Key Company Metrics for Navient here>>>Shares of Navient have returned +11% over the past month versus the Zacks S&P 500 composite's +1.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.7 Best Stocks for the Next 30 DaysJust released: Experts distill 7 elite stocks from the current list of 220 Zacks Rank #1 Strong Buys. They deem these tickers "Most Likely for Early Price Pops."Since 1988, the full list has beaten the market more than 2X over with an average gain of +24.3% per year. So be sure to give these hand picked 7 your immediate attention. See them now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Navient Corporation (NAVI): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks