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NAVIENT CORP
NAVIENT CORP. Spoken Alpha tracks NAVI's earnings calls, guidance changes, and executive accountability over time.
Spoken Alpha tracks NAVI's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters with 70% positive reaction rate
SampleConsistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $3.73 | $2.88 | +29.4% | +0.2% | -1.2% |
| Q4 FY2026 | $3.88 | $3.05 | +27.1% | +2.3% | +0.4% |
| Q3 FY2026 | $3.93 | $3.04 | +29.4% | +8.1% | +8.3% |
| Q2 FY2026 | $4.05 | $3.06 | +32.3% | +6.2% | +3.8% |
| Q1 FY2025 | $4.09 | $3.21 | +27.5% | +5.2% | +7.1% |
| Q4 FY2025 | $4.38 | $3.22 | +35.9% | +0.2% | +1.1% |
| Q3 FY2025 | $3.69 | $3.01 | +22.5% | -3.5% | -2.5% |
| Q2 FY2025 | $4.38 | $3.21 | +36.3% | 0.0% | +0.2% |
| Q1 FY2024 | $4.05 | $3.17 | +27.7% | +3.4% | +5.7% |
| Q4 FY2024 | $4.37 | $3.30 | +32.3% | -3.1% | -3.8% |
Spoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
CEO since 2024 • 6/8 beats (75%) • guidance suspended Q3 FY2026
CFO since 2026 • 1/2 beats (50%) • last call held guidance Q3 FY2026
COO since 2024 • 4/8 beats (50%) • last guidance cut Q1 FY2026
CEO since 2025 • 3/4 beats (75%) • last guidance cut Q1 FY2026
CFO since 2025 • 3/4 beats (75%) • last guidance raise Q3 FY2026
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for NAVI.
curl https://api.spokenalpha.com/v1/companies/NAVI