Navient (NAVI) Q2 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure
Key numbers
- Reported EPS
- $0.29
- Estimate
- $0.20
- Surprise
- +46.4%
- Score today
- 5.1/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
Navient (NAVI) beat the $0.20 estimate with diluted EPS of $0.29 — a large 46.4% upside surprise.
Where TrendMatrix's rating stands now
TrendMatrix currently rates NAVI Sell at 5.1/10; no pre/post engine snapshot brackets this report.
2 of the last 4 quarters beat the estimate; this quarter's +46.4% surprise compares with a -148.8% four-quarter average. Next scheduled report: 2026-10-28.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Attractive valuation
What argues against it
- Analyst target reached - limited upside remaining
- V7 low-quality RISK_OFF penalty: -0.5 (Q=4.5)
- Leverage penalty (D/E 18.5): -1.5
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $9.74
- Price target
- $9.95
- Stop
- $9.06
- Upside to target
- +2.2%
Risk check: trading volume is running 2.2× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-09-17 — shown for context, not personalized investment advice.
NAVI at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $937.8M
- P/E (fwd)
- 10.3
- 52-week range
- $7.33–$13.50
- Off 52-week high
- 27.9%
- RSI (14)
- 60
- Volume vs avg
- 2.20×
- Score today
- 5.1/10