)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Navient (NAVI) investor relations material
Navient Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Reported a GAAP net loss of $86 million ($0.87 per share) and Core Earnings net loss of $83 million for Q3 2025, with core earnings per share of $0.29 after significant items.
Private Education Loan originations nearly doubled year-over-year, reaching $800 million in Q3 and $1.8 billion for the first nine months of 2025.
Announced a new $100 million share repurchase authorization, supplementing $26 million remaining as of September 30, 2025.
Achieved record in-school lending and highest quarterly Refi loan volume this year, with strong credit quality.
Significant restructuring included divestiture of healthcare and government services businesses, transition to outsourced servicing, and over 80% headcount reduction since early 2024.
Financial highlights
Core loss per share was $0.84; adjusted core earnings per share was $0.29 after significant items.
Provision for loan losses totaled $168 million, with $155 million in consumer lending and $13 million in federal education loans.
Net interest margin for Federal Education Loans was 84 basis points, up 14 bps sequentially; Consumer Lending NIM was 239 bps, up 7 bps sequentially.
Operating expenses for the quarter declined by $79–$109 million year-over-year, mainly due to divestitures.
Total loan originations grew to $788 million, up 58% year-over-year.
Outlook and guidance
Q4 2025 core earnings per share guidance is $0.30–$0.35, in line with full-year guidance of $1–$1.20 per share before significant items.
Full-year total loan originations guidance raised to $2.4 billion, over 30% higher than initial guidance.
On track to exceed 90% of the $400 million expense reduction target before 2026.
Expects increased demand for private in-school graduate loans following federal legislative changes eliminating the GradPLUS program effective July 2026.
Phase 2 strategic update focused on growth, valuation, and further cost reductions scheduled for November 19, 2025.
Impact of flexible refinancing on portfolio
Key aspects of portfolio management expertise
How does culture impact business outcomes?
Capital strategy for Earnest growth
What is the Grad PLUS market opportunity?
Credit weakness: legacy vs. new originations?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Navient earnings date
Q4 202528 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Navient Corporation provides asset management and business processing solutions to education, healthcare and government clients at the federal, state, and local levels. We help our clients and millions of Americans achieve financial success through our services and support. Headquartered in Wilmington, Delaware, Navient employs team members in Western New York, Northeastern Pennsylvania, Indiana, Tennessee, Texas, Virginia, and other locations. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage