For the quarter ended March 2025, Navient (NAVI) reported revenue of $144 million, down 11.7% over the same period last year. EPS came in at $0.28, compared to $0.63 in the year-ago quarter.

The reported revenue represents a surprise of +7.38% over the Zacks Consensus Estimate of $134.11 million. With the consensus EPS estimate being $0.19, the EPS surprise was +47.37%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Navient performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net interest margin, Consumer Lending segment: 2.8% versus 2.8% estimated by two analysts on average.
• Net interest margin, Federal Education Loan segment: 0.6% compared to the 0.5% average estimate based on two analysts.
• Servicing revenue: $13 million versus $4.75 million estimated by four analysts on average.
• Asset recovery and business processing revenue: $23 million versus $22.95 million estimated by four analysts on average.
• Net Interest Income (Core): $144 million versus $140.44 million estimated by three analysts on average.
• Net interest income (loss)- Consumer Lending (Core): $113 million versus $110.97 million estimated by two analysts on average.
• Net interest income (loss)- Other (Core): -$18 million compared to the -$11.33 million average estimate based on two analysts.
• Total core other income- Federal Education Loans: $10 million versus $3.73 million estimated by two analysts on average.
• Net interest income (loss)- Federal Education Loans (Core): $49 million compared to the $35.03 million average estimate based on two analysts.
• Total core other income- Consumer Lending: $3 million compared to the $0.77 million average estimate based on two analysts.
• Total core other income- Other: $15 million versus the two-analyst average estimate of $13 million.
• Total Non Interest Income (Core): $51 million compared to the $42.15 million average estimate based on two analysts.

View all Key Company Metrics for Navient here>>>

Shares of Navient have returned +0.6% over the past month versus the Zacks S&P 500 composite's -0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report

Navient Corporation (NAVI) : Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

Zacks Investment Research