Navient (NASDAQ:NAVI) Stock

Navient

Navient Corp provides technology-enabled education finance solutions that simplify complex programs and help millions of people achieve success. The company operates its business in three segments: Federal Education Loans, Consumer Lending, and Business Processing. A majority of its revenue is generated from the Federal Education Loans segment, in which the company owns and manages the Federal Family Education Loan Program (FFELP) loans, generating revenue mainly in the form of net interest income. The Consumer Lending segment owns and manages private education loans and is the master servicer for these portfolios. Through its Earnest brand, the company also refinances and originates in-school private educational loans.

Navient Corp

NAVIOS MARITIME HLDGS INC COM SHS

NAVIDEA BIOPHARMS INC by Navidea Biopharmaceuticals, Inc.

Navidea Biopharmaceuticals Inc

Navient Corporation - 6% Senior Notes due December 15, 2043

NAVIGATOR GLOBAL INVTS by Navigator Global Invts Ltd.

Navigator Global Investments Ltd

Navigator Holdings Ltd. Ordinary Shares (Marshall Islands)

Navigator Holdings Ltd

NAVIOS MARITIME S/ADR G by Navios Maritime Holdings, Inc.

Navios Maritime Holdings Inc

NAVIOS MARITIME S/ADR H by Navios Maritime Holdings, Inc.

Navios Maritime Partners LP Common Units Representing Limited Partner Interests

Navios Maritime Partners LP

Navitas Petroleum Limited Partnership Ordinary Shares

Navitas Petroleum LP

Navitas Semiconductor Corporation - Common Stock

Navitas Semiconductor Corp

President Donald Trump signed an executive order on Thursday aimed at dismantling the U.S. Department of Education. The president also announced on Friday that federal student loan servicing will be transferred to the Small Business Administration. Here's a look at the <a href="https://www.benzinga.com/markets/25/03/44271318/us-department-of-education-to-slash-nearly-2000-jobs-as-trump-moves-closer-to-shutting-it-down">latest developments. </a>
The Details: Trump's order instructed Education Secretary Linda McMahon to &#8220;take all necessary measures to facilitate the dissolution of the Department of Education and return educational authority to the states.&#8221;
Read Next: <a href="https://www.benzinga.com/politics/25/03/44436692/fannie-mae-freddie-mac-in-upheaval-as-trump-administration-considers-privatizing-mortgage-giants">Fannie Mae, Freddie Mac In Upheaval As Trump Administration Considers Privatizing Mortgage Giants</a>&nbsp;
The White House also acknowledged that it cannot completely dissolve the Department of Education without Congressional approval. It has, however, already reduced the department&#8217;s workforce from 4,133 to 2,183 employees since the beginning of Trump's second term.&nbsp;
President Trump then announced separately on Friday that the Small Business Administration will handle student loans.&nbsp;
&#8220;They are all set for it, they are waiting for it. It&#8217;ll be serviced much better than it has in the past,&#8221; Trump told reporters.&nbsp;
The Small Business Administration almost simultaneously announced in a <a href="https://www.sba.gov/article/2025/03/21/small-business-administration-announces-agency-wide-reorganization">press release</a> that it will reduce its staff by eliminating approximately 2,700 positions out of a total workforce of nearly 6,500 "through voluntary resignations, the expiration of COVID-era and other term appointments, and a limited number of reductions in force."
It is unclear when and how the SBA will assume the load of federal student loan debt, which totaled $1.777 trillion held by 42.7 million borrowers in 2024, according to the Education Data Initiative.
Stocks To Watch: Student loan providers, including Navient Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) and SLM Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>), should be monitored as the situation develops.&nbsp;
SoFi Technologies, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), which provides student loan refinancing services, should also be watched for possible effects from the Trump administration's changes.&nbsp;
Read Next:&nbsp;
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<li><a href="https://www.benzinga.com/etfs/specialty-etfs/25/03/44367584/black-swan-hedge-fund-posts-4000-profits-during-covid-19-market-crash-heres-how">Black Swan&#8217; Hedge Fund Posts 4,000% Profits During COVID-19 Market Crash: Here&#8217;s How</a></li>
</ul>
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Trump Orders Steps To Dismantle Department Of Education: What It Means For Student Loans

Navient Finalizes Sale Of Government Services Business To Gallant Capital Partners; 1,200 Employees Transferred; Terms Not Disclosed

President Donald Trump administration is reportedly considering executive actions to dismantle the U.S. Department of Education, a move that could have far-reaching implications for publicly traded companies in the education, student<a href="https://www.benzinga.com/topic/donald-trump"> loan, and technology sectors. </a>
The Wall Street Journal <a href="https://www.wsj.com/politics/policy/education-department-trump-executive-order-eeaf1cb6">reported</a> Monday that officials are weighing an executive order that would shut down non-statutory functions or reassign them to other federal agencies, with a longer-term goal of abolishing the department altogether.
The potential dismantling of the Education Department would be a significant step toward fulfilling Trump's campaign promise to eliminate the department, reduce federal involvement in education, and shift authority to the states.
This follows the Trump administration's Jan. 25 executive order titled "Ending Radical Indoctrination in K-12 Schooling." The order aims to reshape the U.S. education system by eliminating federal support for what the Trump administration describes as &#8220;radical indoctrination&#8221; in schools and promoting &#8220;patriotic education.&#8221;
<h3 class="wp-block-heading">Student Loan Servicing And Private Lending</h3>
One of the most closely watched areas in the wake of potential changes is the student loan industry.
Navient Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) and Nelnet Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NNI#NYSE">NNI</a>), which handle a large portion of federal student loan servicing, could see disruptions in their contracts. Shares of Navient and Nelnet closed 0.9% and 0.3% lower on Monday. 
Private lenders like SoFi Technologies (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), which focuses on student loan refinancing, might benefit from increased demand if federal loan programs are scaled back.&nbsp;
For-profit education providers, which have often been subject to federal oversight and regulation, could see policy shifts that affect their business models. Institutions such as Grand Canyon Education Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LOPE#NASDAQ">LOPE</a>) and Strategic Education Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STRA#NASDAQ">STRA</a>). 
Beyond student loans and for-profit education, the potential dismantling of the Education Department could have ripple effects on technology companies that provide tools and services to schools. 
Companies like Chegg Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CHGG#NYSE">CHGG</a>), which offers online learning resources, and Instructure Holdings Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/INST#NYSE">INST</a>), the parent company of learning management system Canvas, could face shifts in demand as schools adapt to new federal and state policies.
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</ul>
Photo: Michael Candelori/Shutterstock.com

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Trump Administration Weighs Plan To Shut Down Education Department: Which Stocks Could Be Affected?

Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) reported quarterly losses of $(0.24) per share which missed the analyst consensus estimate of $0.22 by 209.09 percent. This is a 214.29 percent decrease over earnings of $0.21 per share from the same period last year. The company reported quarterly sales of $134.00 million which missed the analyst consensus estimate of $149.00 million by 10.07 percent. This is a 30.57 percent decrease over sales of $193.00 million the same period last year.

Earnings

Earnings Misses

Navient Q4 2024 Adj EPS $(0.24) Misses $0.22 Estimate, Sales $134.00M Miss $149.00M Estimate

<h3>Companies Reporting Before The Bell</h3>
• Stifel Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SF#NYSE">SF</a>) is likely to report quarterly earnings at $1.97 per share on revenue of $1.28 billion. 
• Virtu Finl (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VIRT#NASDAQ">VIRT</a>) is projected to report quarterly earnings at $0.82 per share on revenue of $385.34 million. 
• Otis Worldwide (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/OTIS#NYSE">OTIS</a>) is likely to report quarterly earnings at $0.96 per share on revenue of $3.63 billion. 
• Teva Pharmaceutical Indus (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TEVA#NYSE">TEVA</a>) is projected to report quarterly earnings at $0.70 per share on revenue of $4.12 billion. 
• Wabash National (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WNC#NYSE">WNC</a>) is expected to report quarterly earnings at $0.03 per share on revenue of $412.92 million. 
• Flex (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FLEX#NASDAQ">FLEX</a>) is likely to report quarterly earnings at $0.63 per share on revenue of $6.20 billion. 
• Southside Bancshares (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SBSI#NYSE">SBSI</a>) is projected to report quarterly earnings at $0.71 per share on revenue of $68.12 million. 
• MSCI (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MSCI#NYSE">MSCI</a>) is estimated to report quarterly earnings at $3.96 per share on revenue of $747.63 million. 
• Hess Midstream (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HESM#NYSE">HESM</a>) is estimated to report quarterly earnings at $0.75 per share on revenue of $388.90 million. 
• Monro (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MNRO#NASDAQ">MNRO</a>) is likely to report quarterly earnings at $0.30 per share on revenue of $311.88 million. 
• Central Pacific Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CPF#NYSE">CPF</a>) is estimated to report quarterly earnings at $0.62 per share on revenue of $67.00 million. 
• Eagle Materials (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EXP#NYSE">EXP</a>) is likely to report quarterly earnings at $4.00 per share on revenue of $575.21 million. 
• Blue Foundry (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BLFY#NASDAQ">BLFY</a>) is likely to report quarterly loss at $0.17 per share on revenue of $10.02 million. 
• Avnet (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AVT#NASDAQ">AVT</a>) is estimated to report quarterly earnings at $0.88 per share on revenue of $5.56 billion. 
• Coda Octopus Group (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CODA#NASDAQ">CODA</a>) is estimated to report quarterly earnings at $0.00 per share on revenue of $5.27 million. 
• Norfolk Southern (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NSC#NYSE">NSC</a>) is likely to report quarterly earnings at $2.97 per share on revenue of $3.03 billion. 
• Extreme Networks (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EXTR#NASDAQ">EXTR</a>) is likely to report quarterly earnings at $0.18 per share on revenue of $278.05 million. 
• Group 1 Automotive (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GPI#NYSE">GPI</a>) is estimated to report quarterly earnings at $9.09 per share on revenue of $5.21 billion. 
• Brinker International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EAT#NYSE">EAT</a>) is estimated to report quarterly earnings at $1.11 per share on revenue of $1.12 billion. 
• Silgan Hldgs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SLGN#NYSE">SLGN</a>) is likely to report quarterly earnings at $0.83 per share on revenue of $1.40 billion. 
• VF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VFC#NYSE">VFC</a>) is likely to report quarterly earnings at $0.33 per share on revenue of $2.75 billion. 
• Hess (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HES#NYSE">HES</a>) is expected to report quarterly earnings at $1.50 per share on revenue of $3.05 billion. 
• Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) is projected to report quarterly earnings at $0.26 per share on revenue of $136.80 million. 
• Nasdaq (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NDAQ#NASDAQ">NDAQ</a>) is expected to report quarterly earnings at $0.75 per share on revenue of $1.22 billion. 
• CGI (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GIB#NYSE">GIB</a>) is likely to report quarterly earnings at $1.40 per share on revenue of $2.64 billion. 
• Prosperity Bancshares (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PB#NYSE">PB</a>) is expected to report quarterly earnings at $1.33 per share on revenue of $303.21 million. 
• Progressive (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PGR#NYSE">PGR</a>) is expected to report quarterly earnings at $3.56 per share on revenue of $18.76 billion. 
• General Dynamics (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GD#NYSE">GD</a>) is expected to report quarterly earnings at $4.23 per share on revenue of $13.21 billion. 
• Applied Industrial Techs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIT#NYSE">AIT</a>) is expected to report quarterly earnings at $2.21 per share on revenue of $1.08 billion. 
• T-Mobile US (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TMUS#NASDAQ">TMUS</a>) is projected to report quarterly earnings at $2.30 per share on revenue of $21.37 billion. 
• Corning (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GLW#NYSE">GLW</a>) is projected to report quarterly earnings at $0.56 per share on revenue of $3.76 billion. 
• Lennox Intl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LII#NYSE">LII</a>) is expected to report quarterly earnings at $4.14 per share on revenue of $1.23 billion. 
• M/I Homes (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MHO#NYSE">MHO</a>) is likely to report quarterly earnings at $4.83 per share on revenue of $1.17 billion. 
• Danaher (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DHR#NYSE">DHR</a>) is projected to report quarterly earnings at $2.15 per share on revenue of $6.39 billion. 
• Scotts Miracle Gro (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SMG#NYSE">SMG</a>) is likely to report quarterly loss at $1.23 per share on revenue of $392.29 million. 
• Automatic Data Processing (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ADP#NASDAQ">ADP</a>) is expected to report quarterly earnings at $2.30 per share on revenue of $4.97 billion. 
• ASML Holding (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ASML#NASDAQ">ASML</a>) is expected to report quarterly earnings at $6.71 per share on revenue of $9.02 billion. 
<h3>Companies Reporting After The Bell</h3>
• Whirlpool (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WHR#NYSE">WHR</a>) is likely to report quarterly earnings at $4.31 per share on revenue of $4.23 billion. 
• Las Vegas Sands (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LVS#NYSE">LVS</a>) is estimated to report quarterly earnings at $0.58 per share on revenue of $2.91 billion. 
• John B Sanfilippo &amp; Son (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JBSS#NASDAQ">JBSS</a>) is likely to report earnings for its second quarter. 
• Wolfspeed (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WOLF#NYSE">WOLF</a>) is projected to report quarterly loss at $1.00 per share on revenue of $179.89 million. 
• Robert Half (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RHI#NYSE">RHI</a>) is likely to report quarterly earnings at $0.56 per share on revenue of $1.39 billion. 
• Bassett Furniture Indus (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BSET#NASDAQ">BSET</a>) is projected to report quarterly loss at $0.01 per share on revenue of $82.97 million. 
• Two Harbors Inv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TWO#NYSE">TWO</a>) is estimated to report quarterly earnings at $0.37 per share on revenue of $-21 million. 
• Tetra Tech (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TTEK#NASDAQ">TTEK</a>) is projected to report quarterly earnings at $0.33 per share on revenue of $1.10 billion. 
• Tesla (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) is projected to report quarterly earnings at $0.76 per share on revenue of $27.12 billion. 
• Teradyne (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TER#NASDAQ">TER</a>) is estimated to report quarterly earnings at $0.91 per share on revenue of $740.91 million. 
• Washington Trust Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WASH#NASDAQ">WASH</a>) is estimated to report quarterly earnings at $0.58 per share on revenue of $48.36 million. 
• Waste Management (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WM#NYSE">WM</a>) is estimated to report quarterly earnings at $1.79 per share on revenue of $5.90 billion. 
• Meritage Homes (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MTH#NYSE">MTH</a>) is likely to report quarterly earnings at $1.10 per share on revenue of $1.57 billion. 
• Western Digital (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WDC#NASDAQ">WDC</a>) is projected to report quarterly earnings at $1.84 per share on revenue of $4.26 billion. 
• First Interstate BancSys (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FIBK#NASDAQ">FIBK</a>) is projected to report quarterly earnings at $0.46 per share on revenue of $251.46 million. 
• Benchmark Electronics (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BHE#NYSE">BHE</a>) is projected to report quarterly earnings at $0.56 per share on revenue of $660.00 million. 
• United Rentals (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/URI#NYSE">URI</a>) is likely to report quarterly earnings at $11.71 per share on revenue of $3.94 billion. 
• Landstar System (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LSTR#NASDAQ">LSTR</a>) is estimated to report quarterly earnings at $1.34 per share on revenue of $1.20 billion. 
• Lam Research (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LRCX#NASDAQ">LRCX</a>) is estimated to report quarterly earnings at $0.88 per share on revenue of $4.32 billion. 
• High Tide (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HITI#NASDAQ">HITI</a>) is estimated to report quarterly loss at $0.02 per share on revenue of $99.08 million. 
• Microsoft (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>) is expected to report quarterly earnings at $3.12 per share on revenue of $68.86 billion. 
• Liberty Energy (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LBRT#NYSE">LBRT</a>) is expected to report quarterly earnings at $0.15 per share on revenue of $994.31 million. 
• Methanex (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MEOH#NASDAQ">MEOH</a>) is expected to report quarterly earnings at $1.07 per share on revenue of $994.61 million. 
• Annaly Capital Management (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NLY#NYSE">NLY</a>) is projected to report quarterly earnings at $0.66 per share on revenue of $1.26 billion. 
• Hawkins (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HWKN#NASDAQ">HWKN</a>) is expected to report quarterly earnings at $0.92 per share on revenue of $219.22 million. 
• Levi Strauss (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LEVI#NYSE">LEVI</a>) is estimated to report quarterly earnings at $0.48 per share on revenue of $1.73 billion. 
• Ameriprise Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMP#NYSE">AMP</a>) is likely to report quarterly earnings at $9.19 per share on revenue of $4.47 billion. 
• Ethan Allen Interiors (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ETD#NYSE">ETD</a>) is likely to report quarterly earnings at $0.61 per share on revenue of $160.60 million. 
• Selective Insurance Gr (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SIGI#NASDAQ">SIGI</a>) is estimated to report quarterly earnings at $2.01 per share on revenue of $1.27 billion. 
• ServiceNow (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NOW#NYSE">NOW</a>) is projected to report quarterly earnings at $3.65 per share on revenue of $2.96 billion. 
• SEI Inv (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SEIC#NASDAQ">SEIC</a>) is likely to report quarterly earnings at $1.20 per share on revenue of $555.43 million. 
• Dolby Laboratories (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DLB#NYSE">DLB</a>) is expected to report quarterly earnings at $1.05 per share on revenue of $346.15 million. 
• Celestica (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CLS#NYSE">CLS</a>) is likely to report quarterly earnings at $1.04 per share on revenue of $2.51 billion. 
• Meta Platforms (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>) is projected to report quarterly earnings at $6.73 per share on revenue of $46.98 billion. 
• Raymond James Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RJF#NYSE">RJF</a>) is expected to report quarterly earnings at $2.66 per share on revenue of $3.47 billion. 
• National Fuel Gas (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NFG#NYSE">NFG</a>) is estimated to report quarterly earnings at $1.53 per share on revenue of $615.17 million. 
• MaxLinear (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MXL#NASDAQ">MXL</a>) is estimated to report quarterly loss at $0.13 per share on revenue of $90.00 million. 
• Brookline Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BRKL#NASDAQ">BRKL</a>) is likely to report quarterly earnings at $0.24 per share on revenue of $90.68 million. 
• Canadian Pacific Kansas (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CP#NYSE">CP</a>) is estimated to report quarterly earnings at $1.27 per share on revenue of $3.96 billion. 
• IBM (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IBM#NYSE">IBM</a>) is likely to report quarterly earnings at $3.79 per share on revenue of $17.60 billion. 
• Bridgewater Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BWB#NASDAQ">BWB</a>) is expected to report quarterly earnings at $0.24 per share on revenue of $27.65 million. 
• Axis Capital Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXS#NYSE">AXS</a>) is estimated to report quarterly earnings at $2.53 per share on revenue of $1.33 billion. 
• C.H. Robinson Worldwide (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CHRW#NASDAQ">CHRW</a>) is estimated to report quarterly earnings at $1.11 per share on revenue of $4.43 billion. 
• Core Laboratories (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CLB#NYSE">CLB</a>) is projected to report quarterly earnings at $0.21 per share on revenue of $133.59 million. 
• Calix (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CALX#NYSE">CALX</a>) is expected to report quarterly earnings at $0.07 per share on revenue of $203.91 million. 
• Cimpress (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CMPR#NASDAQ">CMPR</a>) is projected to report quarterly earnings at $2.38 per share on revenue of $968.96 million. 
• Century Communities (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CCS#NYSE">CCS</a>) is projected to report quarterly earnings at $3.18 per share on revenue of $1.28 billion. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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WOLF

Earnings Scheduled For January 29, 2025

Navient Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) ended the third quarter with an adjusted cash position of $572 million, or $5.35 per share.
That&#8217;s adjusted for an unsecured debt maturity and $65 million worth of share repurchases expected in the fourth quarter, according to Seaport Research Partners.
The Navient Analyst: <a href="https://www.benzinga.com/analyst-stock-ratings/analyst/612cb6d6b4035700018c8f01/bill-ryan">Analyst Bill Ryan</a> upgraded the rating for Navient from Neutral to Buy, while establishing a price target of $18.
The Navient Thesis: The consumer lending segment is valued at 7X of the 2025 estimate for the company, or $12.50 per share, Ryan said in the upgrade note.
Check out <a href="https://www.benzinga.com/analyst-stock-ratings">other analyst stock ratings</a>.
"Given the recent change in administration, prepayment risk in the FFELP (Federal Family Education Loa Program) portfolio has diminished significantly, and the optionality now appears to be in the consumer lending segment," he wrote.
Although Navient does not have significant exposure to the in-school lending channel, "the recent change in administration gives us optimism that parts of the federal student loan program could be outsourced to the private sector to achieve savings in support of tax cuts," the analyst stated, referring to the Trump administration.
The disclosure of overcollateralization releases in the FFELP portfolio could result in additional value, he added.
Price Action: Shares of Navient had risen by 2.95% to $14.33 at the time of publication on Tuesday.
Read More: 
<ul>
<li><a href="https://www.benzinga.com/news/legal/25/01/42979220/biden-announces-more-student-loan-forgiveness-bringing-debt-relief-to-nearly-5-million-borrowers">Biden Announces More Student Loan Forgiveness, Bringing Debt Relief To Nearly 5 Million Borrowers</a></li>
</ul>
Image: Shutterstock

Analyst Color

Long Ideas

Upgrades

Analyst Ratings

Movers

Trading Ideas

Navient To Benefit From New Trump Administration? Analyst Turns Bullish

5 analysts have shared their evaluations of Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) during the recent three months, expressing a mix of bullish and bearish perspectives.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
</tbody>
</table>
Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $15.1, a high estimate of $18.00, and a low estimate of $13.00. Highlighting a 1.82% decrease, the current average has fallen from the previous average price target of $15.38. 
<img src="https://www.benzinga.com/files/images/story/2025/1737468045_0.png" alt="price target chart" />
<h2>Exploring Analyst Ratings: An In-Depth Overview</h2>
The standing of Navient among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Bill Ryan</td>
<td>Seaport Global</td>
<td>Announces</td>
<td>Buy</td>
<td>$18.00</td>
<td>-</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$13.50</td>
<td>$15.00</td>
</tr>
<tr>
<td>Nathaniel Richam-Odoi</td>
<td>B of A Securities</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$16.00</td>
<td>$17.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$15.00</td>
<td>$15.50</td>
</tr>
<tr>
<td>Moshe Orenbuch</td>
<td>TD Cowen</td>
<td>Lowers</td>
<td>Sell</td>
<td>$13.00</td>
<td>$14.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Navient. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Navient compared to the broader market.</li>
<li>Price Targets: Analysts provide insights into price targets, offering estimates for the future value of Navient's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
To gain a panoramic view of Navient's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/NAVI/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Navient analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>All You Need to Know About Navient</h2>
Navient Corp provides technology-enabled education finance and business processing solutions that simplify complex programs and help millions of people achieve success. It operates business in three segments: Federal Education Loans, Consumer Lending and Business Processing.
<h3>Navient: Financial Performance Dissected</h3>
Market Capitalization Analysis: The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.
Revenue Challenges: Navient's revenue growth over 3 months faced difficulties. As of 30 September, 2024, the company experienced a decline of approximately -58.06%. This indicates a decrease in top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Navient's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of -1.13%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Navient's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of -0.07%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Navient's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of -0.0%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: With a high debt-to-equity ratio of 18.32, Navient faces challenges in effectively managing its debt levels, indicating potential financial strain.
<h2>Analyst Ratings: Simplified</h2>
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Expectations For Navient's Future

Seaport Global analyst Bill Ryan upgrades Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) from Neutral to Buy and announces $18 price target.

Price Target

Seaport Global Upgrades Navient to Buy, Announces $18 Price Target

JP Morgan analyst Richard Shane maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Neutral and lowers the price target from $15 to $13.5.

JP Morgan Maintains Neutral on Navient, Lowers Price Target to $13.5

The Biden administration on Monday announced more federal student loan forgiveness, bringing the administration&#8217;s total student loan forgiveness to $183.6 billion for more <a href="https://www.benzinga.com/personal-finance/25/01/42803225/plans-to-forgive-4-28-billion-in-student-loans-for-54900-borrowers-halted-what-this-means-for-millions-still-drowning-in-debt">than 5 million borrowers.&nbsp;</a>
The Details: The Department of Education <a href="https://www.ed.gov/about/news/press-release/biden-harris-administration-surpasses-5-million-borrowers-approved-student-loan-forgiveness">announced several types</a> of discharges on Monday including the approval of nearly 85,000 borrowers for $1.26 billion in student loan relief based upon borrower defense findings that the institutions had misled and cheated borrowers.&nbsp;
The DOE also announced the approval of 6,100 borrowers for $465 million through Public Service Loan Forgiveness Second and $2.5 billion in relief for 61,000 borrowers with a total and permanent disability.
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"Four years ago, President Biden made a promise to fix a broken student loan system. Today, life-changing student debt relief is possible for more than five million borrowers—more than any other administration in history," said U.S. Secretary of Education Miguel Cardona.&nbsp;
"Thanks to our tireless and unapologetic efforts to work toward a system that is affordable and accountable to both students and taxpayers, today's announcement includes additional relief for borrowers misled and cheated by their institutions, borrowers with disabilities, as well as additional loan forgiveness for public servants," Cardona added.&nbsp;
Student Loan Servicers: The latest round of student loan forgiveness could have repercussions for loan providers including SoFi Technologies, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), Navient Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) and SLM Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>). 
Student loan servicers could lose revenue in the form of interest income and fees related to the latest loan discharges.&nbsp;
Additionally, the rollout of forgiveness programs often requires servicers to update systems, retrain staff and manage complex transitions, all of which would increase expenses.
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Image: Shutterstock

Fintech news covering the emerging Financial Technology services sector

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Legal

Biden Announces More Student Loan Forgiveness, Bringing Debt Relief To Nearly 5 Million Borrowers

Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) has been analyzed by 6 analysts in the last three months, revealing a diverse range of perspectives from bullish to bearish.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">4</td>
<td align="right">1</td>
<td align="right">1</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $14.67, a high estimate of $17.00, and a low estimate of $11.00. This upward trend is apparent, with the current average reflecting a 2.59% increase from the previous average price target of $14.30.
<img src="https://www.benzinga.com/files/images/story/2024/1735063235_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive Navient. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Nathaniel Richam-Odoi</td>
<td>B of A Securities</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$16.00</td>
<td>$17.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$15.00</td>
<td>$15.50</td>
</tr>
<tr>
<td>Moshe Orenbuch</td>
<td>TD Cowen</td>
<td>Lowers</td>
<td>Sell</td>
<td>$13.00</td>
<td>$14.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>Raises</td>
<td>Underweight</td>
<td>$11.00</td>
<td>$10.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$16.00</td>
<td>$15.00</td>
</tr>
<tr>
<td>Nathaniel Richam-Odoi</td>
<td>B of A Securities</td>
<td>Announces</td>
<td>Neutral</td>
<td>$17.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Navient. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Navient compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for Navient's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
Capture valuable insights into Navient's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/NAVI/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Navient analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>About Navient</h2>
Navient Corp provides technology-enabled education finance and business processing solutions that simplify complex programs and help millions of people achieve success. It operates business in three segments: Federal Education Loans, Consumer Lending and Business Processing.
<h3>Navient: A Financial Overview</h3>
Market Capitalization: With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.
Negative Revenue Trend: Examining Navient's financials over 3 months reveals challenges. As of 30 September, 2024, the company experienced a decline of approximately -58.06% in revenue growth, reflecting a decrease in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Navient's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of -1.13%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Navient's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of -0.07%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Navient's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of -0.0%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 18.32, caution is advised due to increased financial risk.
<h2>Understanding the Relevance of Analyst Ratings</h2>
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
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Breaking Down Navient: 6 Analysts Share Their Views

B of A Securities analyst Nathaniel Richam-Odoi maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Neutral and lowers the price target from $17 to $16.

B of A Securities Maintains Neutral on Navient, Lowers Price Target to $16

The Biden administration withdrew two major student loan forgiveness plans Friday, just weeks before President-elect Donald Trump returns to the White House. Here's a look at what it means for borrowers and student <a href="https://www.benzinga.com/markets/equities/24/12/42635567/biden-student-loan-forgiveness-tops-180-billion-with-latest-relief">loan service providers.</a> 
The Details: The Education Department posted notices in the Federal Register that it was withdrawing two proposals that could have reduced student loan debt for millions of borrowers, including those with financial hardship and those who have been in repayment for years, CNBC reported. 
Read Next: <a href="https://www.benzinga.com/news/24/12/42669113/waymos-autonomous-vehicles-are-safer-than-human-drivers-report">Waymo&#8217;s Autonomous Vehicles Are Safer Than Human Drivers: Report</a>
The department wrote that it was withdrawing the proposed rules due to "operational challenges in implementing the proposals." It also said it would focus its resources on "helping at-risk borrowers return to repayment successfully" as the administration prepares to leave office in the next month.&nbsp;
"The Biden administration knew that the proposals for broad student loan forgiveness would have been thwarted by the Trump administration," higher education expert Mark Kantrowitz<a href="https://www.cnbc.com/2024/12/23/student-loan-forgiveness-plans-withdrawn-by-biden-administration.html"> told</a> CNBC.&nbsp;
What Else: Also on Friday, the Department of Education announced another $4.28 billion in<a href="https://www.ed.gov/about/news/press-release/biden-harris-administration-approves-additional-428-billion-student-debt-relief-nearly-55000-public-service-workers-0"> loan forgiveness</a> for nearly<a href="https://www.benzinga.com/topic/student-debt"> 55,000 public service workers</a> which brought the total amount of student loan forgiveness under the Biden administration to $180 billion.
Education Secretary Miguel Cardona emphasized the administration's commitment to student loan relief for public service workers in a statement Friday. 
"Four years ago, the Biden-Harris Administration made a pledge to America&#8217;s teachers, service members, nurses, first responders, and other public servants that we would fix the broken Public Service Loan Forgiveness Program, and I&#8217;m proud to say that we delivered," Cardona said.
Loan Servicers: The administration's withdrawal of the additional loan forgiveness proposals is potentially a positive development for student loan providers including SoFi Technologies, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), Navient Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) and SLM Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>)&nbsp;
Student loan providers would have lost revenue if Biden's student loan forgiveness plans had gone through. 
Additionally, the rollout of forgiveness programs often requires servicers to update systems, retrain staff and manage complex transitions, all of which would increase expenses.
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Image: Shutterstock.

Biden Dumps Student Loan Forgiveness Plans: What It Means For Borrowers, Loan Providers Like SoFi

&nbsp;Follows $369M Sale Of Healthcare Services Unit

Navient To Sell Government Services Business To Gallant For ~$50M, Including $20M In Deferred Tax Assets; 1,200 Employees Transferring; Transaction Expected To Close Q1 2025 With $25M-$35M Loss Recorded In Q4 2024

JP Morgan analyst Richard Shane maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Neutral and lowers the price target from $15.5 to $15.

JP Morgan Maintains Neutral on Navient, Lowers Price Target to $15

TD Cowen analyst Moshe Orenbuch maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Sell and lowers the price target from $14 to $13.

TD Cowen Maintains Sell on Navient, Lowers Price Target to $13

Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) reported quarterly earnings of $1.45 per share which beat the analyst consensus estimate of $0.25 by 480 percent. The company reported quarterly sales of $140.000 million which missed the analyst consensus estimate of $150.375 million by 6.90 percent. This is a 50.00 percent decrease over sales of $280.000 million the same period last year.

Earnings Beats

Navient Q3 2024 Adj. EPS $1.45 Beats $0.25 Estimate, Sales $140.000M Miss $150.375M Estimate

Barclays analyst Terry Ma maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Underweight and raises the price target from $10 to $11.

Barclays Maintains Underweight on Navient, Raises Price Target to $11

JP Morgan analyst Richard Shane maintains Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) with a Neutral and raises the price target from $15 to $16.

JP Morgan Maintains Neutral on Navient, Raises Price Target to $16

Analysts' ratings for Navient (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) over the last quarter vary from bullish to bearish, as provided by 5 analysts.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">4</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $14.6, a high estimate of $17.00, and a low estimate of $10.00. A negative shift in sentiment is evident as analysts have decreased the average price target by 1.02%. 
<img src="https://www.benzinga.com/files/images/story/2024/1727712015_0.png" alt="price target chart" />
<h2>Investigating Analyst Ratings: An Elaborate Study</h2>
In examining recent analyst actions, we gain insights into how financial experts perceive Navient. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Nathaniel Richam-Odoi</td>
<td>B of A Securities</td>
<td>Announces</td>
<td>Neutral</td>
<td>$17.00</td>
<td>-</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$16.00</td>
<td>$15.00</td>
</tr>
<tr>
<td>Terry Ma</td>
<td>Barclays</td>
<td>Lowers</td>
<td>Underweight</td>
<td>$10.00</td>
<td>$11.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$15.00</td>
<td>$16.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Lowers</td>
<td>Market Perform</td>
<td>$15.00</td>
<td>$17.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Navient. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Navient compared to the broader market.</li>
<li>Price Targets: Delving into movements, analysts provide estimates for the future value of Navient's stock. This analysis reveals shifts in analysts' expectations over time.</li>
</ul>
Capture valuable insights into Navient's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/NAVI/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Navient analyst ratings.</a>
If you are interested in following small-cap stock news and performance <a href="https://www.benzinga.com/news/small-cap">you can start by tracking it here</a>.
<h2>About Navient</h2>
Navient Corp provides technology-enabled education finance and business processing solutions that simplify complex programs and help millions of people achieve success. It operates business in three segments: Federal Education Loans, Consumer Lending and Business Processing.
<h3>Key Indicators: Navient's Financial Health</h3>
Market Capitalization Analysis: Falling below industry benchmarks, the company's market capitalization reflects a reduced size compared to peers. This positioning may be influenced by factors such as growth expectations or operational capacity.
Negative Revenue Trend: Examining Navient's financials over 3 months reveals challenges. As of 30 June, 2024, the company experienced a decline of approximately -19.54% in revenue growth, reflecting a decrease in top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Navient's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 14.57%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): Navient's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 1.31%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Navient's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.06%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Navient's debt-to-equity ratio surpasses industry norms, standing at 19.06. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>How Are Analyst Ratings Determined?</h2>
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

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