N NAVI

Navient Corp

$7.97

+1.01% (+$0.08)

Volume 712,550

52W High $16.07

52W Low $7.33

Market Cap $873.87M

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.20

Whisper EPS

$0.17

15.0% below consensus

Last Quarter

$0.20

Current Streak

1 Beat

Avg Surprise (4Q)

+6.94%

Next Earnings Report

Reports in 44 days

Report Date Jul 29, 2026

Whisper Spread -15.00%

Consensus Estimate

$0.20

Official analyst average

Whisper Number

$0.17

What traders expect

Cautious Sentiment: The whisper number is 15.0% below consensus, suggesting traders are skeptical. Meeting consensus may not be enough to satisfy the market.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q1 2026 Apr 29, 2026

1-Day: -2.84%

5-Day: -5.57%

Q1 2026 Apr 28, 2026

1-Day: +3.71%

Q4 2025 Jan 28, 2026

1-Day: +0.71%

5-Day: +1.73%

Q4 2025 Jan 27, 2026

1-Day: -18.52%

Revenue & Financial Performance

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$761.0M	-22.1%	88.4%	82.3%	-$5.0M
Q3'25	$800.0M	-20.4%	-0.9%	-14.6%	-$86.0M
Q2'25	$806.0M	-26.1%	14.8%	2.2%	$14.0M
Q1'25	$828.0M	-28.7%	15.2%	-0.6%	-$2.0M
Q4'24	$977.0M	-15.1%	21.1%	2.7%	$24.0M
Q3'24	$1.01B	-22.8%	13.4%	1.2%	-$2.0M
Q2'24	$1.09B	-11.1%	21.4%	4.4%	$36.0M
Q1'24	$1.16B	+0.3%	23.7%	7.6%	$73.0M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q1 2026	Apr 29, 2026	$0.16	$0.14	$0.20	+25.00%	Beat
Q1 2026	Apr 28, 2026	$0.23	$0.19	$0.20	-11.11%	Beat
Q4 2025	Jan 28, 2026	$0.31	$0.27	$0.02	-93.55%	Missed
Q4 2025	Jan 27, 2026	$0.32	$0.27	$0.02	-93.75%	Missed
Q3 2025	Oct 29, 2025	$0.18	$0.17	-$0.84	--	Missed
Q2 2025	Jul 30, 2025	$0.27	$0.23	$0.20	-25.93%	Missed
Q1 2025	Apr 30, 2025	$0.20	$0.24	$0.25	+25.00%	Beat
Q4 2024	Jan 29, 2025	$0.22	$0.25	-$0.24	--	Missed
Q3 2024	Oct 30, 2024	$0.83	$0.21	-$0.02	--	Missed
Q2 2024	Jul 24, 2024	$0.43	$0.37	$0.29	-32.56%	Missed
Q1 2024	Apr 24, 2024	$0.59	$0.53	$0.47	-20.34%	Missed
Q4 2023	Jan 31, 2024	$0.75	$0.73	$0.21	-72.00%	Missed