The market expects Navient (NAVI) to deliver a year-over-year decline in earnings on lower revenues when it reports results for the quarter ended December 2024. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on ...

公司财务与估值 - Navient Corp 第三季度调整后的现金头寸为5.72亿美元，合每股5.35美元，调整因素包括无担保债务到期和预计第四季度6500万美元的股票回购 [1] - 分析师将Navient的评级从中性上调至买入，并设定目标价为18美元 [1] - 消费者贷款部门的估值为2025年公司估值的7倍，合每股12.50美元 [2] 行业与政策影响 - 由于政府更迭，FFELP（联邦家庭教育贷款计划）组合中的提前还款风险显著降低，消费者贷款部门的灵活性增加 [3] - 尽管Navient在学校贷款渠道的敞口不大，但政府更迭可能促使部分联邦学生贷款计划外包给私营部门，以支持减税 [4] - FFELP组合中超额抵押释放的披露可能带来额外价值 [4] 股价表现 - Navient股价在发布时上涨2.95%，至14.33美元 [5]

HERNDON, Va., Jan. 08, 2025 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) will host an audio webcast to review its 2024 fourth quarter and year-end financial results on Wednesday, Jan. 29, 2025, at 8:00 a.m. Eastern Time. The results are scheduled to be released the same day by 7:00 a.m. on Navient.com/investors. In addition to being available on the company’s investor website, the results will be filed with the SEC on a Form 8-K available at SEC.gov. The webcast and presentation slides also will be available ...

Navient Corporation (NAVI) shares touched a 52-week low of $12.96 on Friday. The stock closed the session a little higher at $13.05, declining 14.3% in the past three months.The stock has underperformed the industry and its peers like Capital One Financial Corporation (COF) and Discover Financial Services (DFS) in the past six months.Three-Month Price Performance Image Source: Zacks Investment Research Here’s What Leads to NAVI’s Drop to 52-Week LowLimited Organic Growth: Organic growth has become challengi ...

Navient Corporation (NAVI) has entered an agreement to sell its Government Services business to an affiliate of Gallant Capital Partners, LLC, a Los Angeles-based investment firm. Navient’s Government Services business includes Navient Business Processing Group, Duncan Solutions, Gila, Pioneer Credit Recovery and Navient BPO. About 1,200 employees will be included in the transaction, which is expected to close in the first quarter of 2025.Rationale Behind NAVI’s Sale of Government Services UnitNavient's Gov ...

HERNDON, Va., Dec. 23, 2024 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) announced today that it has reached an agreement to sell its Government Services business to an affiliate of Gallant Capital Partners, LLC, a Los Angeles-based investment firm. Navient’s Government Services business includes Navient Business Processing Group, Duncan Solutions, Gila (D.B.A Municipal Services Bureau), Pioneer Credit Recovery and Navient BPO. Approximately 1,200 employees will be included in the transaction, which is expect ...

HERNDON, Va., Nov. 13, 2024 (GLOBE NEWSWIRE) -- Navient (Nasdaq: NAVI) announced that its board of directors approved a 2024 fourth quarter dividend of $0.16 per share on the company's common stock. The fourth quarter 2024 dividend will be paid on Dec. 20, 2024, to shareholders of record at the close of business on Dec. 6, 2024. About NavientNavient (Nasdaq: NAVI) provides technology-enabled education finance and business processing solutions that simplify complex programs and help millions of people achiev ...

关于Navient公司 - Navient被The Forum of Executive Women评为董事会多元化的拥护者 [1] - Navient提供技术支持的教育金融和业务处理解决方案帮助数百万人取得成功 [4] 关于The Forum of Executive Women - 其年度女性领导力报告将在11月发布该报告与普华永道合作对费城地区前100家上市公司的董事会和高管层的多样性进行年度审查 [2] - 今年将有创纪录数量的董事会多元化拥护者得到认可有46家公司获得该称号较上一年的37家有所增加 [3] - 是一个拥有600多名女性的会员组织这些女性在推动地区经济和社区的公司非营利组织和公共部门实体中担任最高职位成立于1977年 [5]

This Form 10-Q contains "forward-looking" statements and other information that is based on management's current expectations as of the date of this report. Statements that are not historical facts, including statements about our beliefs, opinions, or expectations and statements that assume or are dependent upon future events, are forward-looking statements and often contain words such as "expect," "anticipate," "intend," "plan," "believe," "seek," "see," "will," "would," "may," "could," "should," "goals," ...

财务数据和关键指标变化 - 第三季度公司报告的GAAP每股收益（EPS）亏损为0.02美元，而核心每股收益为1.45美元，主要差异在于排除了政府服务业务的无形资产减值摊销 [18] - 调整后核心每股收益为0.28美元，预计第四季度每股收益将在0.25至0.32美元之间 [19][20] - 净利息差从第二季度的36个基点上升至46个基点，预付款项减少至10亿美元 [21] 各条业务线数据和关键指标变化 - 教育贷款业务的年初至今贷款发放量为13.7亿美元，比去年增长39% [13] - 消费贷款部门的净利息差为284个基点，贷款发放量同比增长超过30%，达到5亿美元 [25] - 商业处理部门的总费用收入为7000万美元，EBITDA利润率为20% [28] 各个市场数据和关键指标变化 - 自有投资组合的90天以上逾期率改善至7.3%，违约率改善至14个基点 [22] - 政府服务业务的收入下降至4200万美元，主要由于联邦项目未获得资金 [28] 公司战略和发展方向和行业竞争 - 公司计划在第四季度将股票回购目标增加40百万美元，较第三季度翻倍 [15] - 公司已与消费者金融保护局（CFPB）达成和解，解决了近十年的调查和诉讼问题 [8] - 公司正在探索包括业务处理解决方案的剥离在内的战略选项，以提高整体价值 [8] 管理层对经营环境和未来前景的评论 - 管理层对未来的利率环境持乐观态度，认为将有机会利用学生贷款再融资产品的需求 [14] - 管理层表示，预计2025年的商业计划将包括在贷款增长、债务减少和股东分配之间的资本配置 [16] 其他重要信息 - 公司在第三季度的总费用（不包括监管和重组费用）下降9%，至1.7亿美元 [29] - 公司在第三季度回购了210万股股票，花费3300万美元 [31] 问答环节所有提问和回答 问题: 关于费用方面的变化 - 公司表示，预计在2025年将实现低于2亿美元的年度费用运行率 [36] 问题: 关于私立学生贷款的回收价值下降的原因 - 公司提到，回收率的调整是基于对借款人质量的评估，当前的回收率为17% [42] 问题: 关于政府服务业务的出售进展 - 公司正在积极讨论政府服务业务的出售，但未给出具体时间 [57] 问题: 关于再融资贷款的市场规模 - 公司估计，约有1.5万亿美元的贷款在教育部，10%的借款人可能会寻求降低支付 [60] 问题: 关于即将到期的债务处理 - 公司目前持有11亿美元现金，预计将通过现有流动性和现金流来处理即将到期的债务 [85]