Student loan servicer Navient (NASDAQ: NAVI) will be announcing earnings results this Wednesday morning. Here’s what to look for.

Navient beat analysts’ revenue expectations by 3.8% last quarter, reporting revenues of $169 million, down 62.6% year on year. It was a slower quarter for the company, with a significant miss of analysts’ EPS estimates and .

Is Navient a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.

This quarter, analysts are expecting Navient’s revenue to decline 4.4% year on year to $155.8 million, improving from the 43.4% decrease it recorded in the same quarter last year. Adjusted earnings are expected to come in at $0.31 per share.

Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Navient has missed Wall Street’s revenue estimates five times over the last two years.

Looking at Navient’s peers in the consumer finance segment, some have already reported their Q4 results, giving us a hint as to what we can expect. Sallie Mae delivered year-on-year revenue growth of 16.4%, beating analysts’ expectations by 1%, and Ally Financial reported revenues up 3.7%, topping estimates by 0.9%. Sallie Mae traded up 6.2% following the results while Ally Financial was down 1%.

Read our full analysis of Sallie Mae’s results here and Ally Financial’s results here.

Investors in the consumer finance segment have had steady hands going into earnings, with share prices flat over the last month. Navient is down 4.2% during the same time and is heading into earnings with an average analyst price target of $13.06 (compared to the current share price of $12.10).

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