Navient Holdings (NAVI) Q3 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 · Editorial policy
Key numbers
- Adjusted EPS
- $0.03
- Estimate
- $0.13
- Surprise
- -76.3%
- Revenue (period 2026-09-30)
- $669.0M
- Score today
- 5.0/10
Revenue source: xbrl.
How the report landed
Navient Holdings (NAVI) missed the $0.13 estimate with adjusted EPS of $0.03 — a large 76.3% shortfall.
Coverage in the report window
- Navient Q3 2026 Earnings Call Transcript — benzinga, 2026-11-04
- Navient Reports 2026 Third Quarter Financial Results — fiscal.ai, 2026-11-04
- Navient Q3 Adj. EPS $0.03 Misses $0.13 Estimate, Sales $120.000M Miss $131.624M Estimate — benzinga, 2026-11-04
Where TrendMatrix's rating stands now
TrendMatrix currently rates NAVI Sell at 5.0/10; no pre/post engine snapshot brackets this report.
2 of the last 4 quarters beat the estimate; this quarter's -76.3% surprise compares with a -24.7% four-quarter average.
What argues against it
- Target reached (-12.1% upside)
- Risk below floor (2.9 < 3.0)
- Negative risk/reward — downside exceeds upside
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
- $9.07
- Stop
- $8.44
Model outputs from TrendMatrix’s engine as of 2026-11-05 — 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
- $850.6M
- P/E (fwd)
- 9.3
- 52-week range
- $7.33–$13.48
- Off 52-week high
- 32.7%
- RSI (14)
- 45
- Volume vs avg
- 1.19×
- Score today
- 5.0/10