N NAVI

Navient Corp

$8.30

+0.12% (+$0.01)

Volume 682,752

52W High $16.07

52W Low $7.86

Market Cap $1.15B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.23

Whisper EPS

$0.19

15.0% below consensus

Last Quarter

$0.02

Current Streak

5 Misss

Avg Surprise (4Q)

-263.49%

Next Earnings Report

Reports in 21 days

Report Date Apr 28, 2026

Whisper Spread -14.98%

Consensus Estimate

$0.23

Official analyst average

Whisper Number

$0.19

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

Q4 2025 Jan 27, 2026

1-Day: -18.52%

Q3 2025 Oct 29, 2025

1-Day: +2.74%

5-Day: +4.54%

Q2 2025 Jul 30, 2025

1-Day: +2.05%

5-Day: +0.24%

Q1 2025 Apr 30, 2025

1-Day: +1.21%

5-Day: +3.15%

Revenue & Financial Performance

Revenue Whisper

$805.0M

TWN Proprietary Estimate

Last Quarter Revenue

$761.0M

-22.1% YoY

Gross Margin

88.4%

Net Margin: -0.7%

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
Q4 2025	Jan 27, 2026	$0.32	$0.27	$0.02	-93.75%	Missed
Q3 2025	Oct 29, 2025	$0.20	$0.17	-$0.84	--	Missed
Q2 2025	Jul 30, 2025	$0.27	$0.23	$0.20	-25.93%	Missed
Q1 2025	Apr 30, 2025	$0.21	$0.24	-$0.66	--	Missed
Q4 2024	Jan 29, 2025	$0.22	$0.25	-$0.24	--	Missed
Q3 2024	Oct 30, 2024	$0.25	$0.21	$1.45	--	Beat
Q2 2024	Jul 24, 2024	$0.43	$0.37	$0.29	-32.56%	Missed
Q1 2024	Apr 24, 2024	$0.58	$0.53	$0.47	-18.97%	Missed
Q4 2023	Jan 31, 2024	$0.75	$0.73	$0.21	-72.00%	Missed
Q3 2023	Oct 25, 2023	$0.74	$0.73	$0.47	-36.49%	Missed
Q2 2023	Jul 26, 2023	$0.74	$0.75	$0.70	-5.41%	Missed
Q1 2023	Apr 26, 2023	$0.83	$0.85	$1.02	+22.89%	Beat