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JSM

Navient Corporation SR NT 6% 121543

Other · USD

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Price alert · JSM

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15.36 USD -0.16 -1.03%
As of Oct 30, 2026 Extended hours 16.04 +4.43%
Bid
15.41 × 1
Ask
15.60 × 1
15.33 Day range 15.80
15.36 52-week range 20.38
YTD
-24.48%
1 year
-20.25%
Open
15.60
Prev close
15.52
Mkt cap
4.25B
Vol
61.48K
Avg vol
16.88K
EPS
1.20
P/E
12.77
Div yield
0.00%
More statistics
Low
15.33
High
15.80
Forward P/E
0.00
Beta
0.00
Short ratio
0.00
Inst. own
0.00%
Dividend
0.00
Ex-div date
50-d avg
17.13
200-d avg
18.17
1y target
0.00

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Financial health

Altman Z-Score

0.24 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 2
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 4

Valuation

P/E -24.8×
FY 2016: 10.5×FY 2017: 22.9×FY 2018: 11.0×FY 2019: 9.4×FY 2020: 11.9×FY 2021: 6.1×FY 2022: 3.9×FY 2023: 11.6×FY 2024: 14.8×FY 2025: -24.8×
FY 2016 5y median 6.1× FY 2025
P/S 0.6×
FY 2016: 1.7×FY 2017: 1.5×FY 2018: 0.9×FY 2019: 1.2×FY 2020: 1.5×FY 2021: 1.9×FY 2022: 1.5×FY 2023: 2.3×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 1.5× FY 2025
P/B 0.8×
FY 2016: 1.9×FY 2017: 1.9×FY 2018: 1.2×FY 2019: 1.7×FY 2020: 2.0×FY 2021: 1.7×FY 2022: 0.9×FY 2023: 1.0×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
P/FCF 4.5×
FY 2016: 5.3×FY 2017: 5.8×FY 2018: 3.8×FY 2019: 5.5×FY 2020: 5.0×FY 2021: 6.2×FY 2022: 8.3×FY 2023: 3.9×FY 2024: 4.2×FY 2025: 4.5×
FY 2016 5y median 4.5× FY 2025
EV/EBITDA 1654×
FY 2016: 51.3×FY 2017: 69.7×FY 2018: 24.0×FY 2019: 21.6×FY 2020: 33.4×FY 2021: 22.8×FY 2022: 14.9×FY 2023: 36.3×FY 2024: 12.0×FY 2025: 1654×
FY 2016 5y median 22.8× FY 2025
EV/Sales 1.6×
FY 2016: 28.5×FY 2017: 25.1×FY 2018: 19.7×FY 2019: 18.4×FY 2020: 24.6×FY 2021: 34.3×FY 2022: 37.4×FY 2023: 47.7×FY 2024: 11.3×FY 2025: 1.6×
FY 2016 5y median 34.3× FY 2025
FCF Yield 22.1%
FY 2016: 18.9%FY 2017: 17.4%FY 2018: 26.2%FY 2019: 18.2%FY 2020: 20.2%FY 2021: 16.1%FY 2022: 12.0%FY 2023: 25.7%FY 2024: 23.7%FY 2025: 22.1%
FY 2016 5y median 22.1% FY 2025

Profitability

Gross Margin 95.2%
FY 2016: 77.1%FY 2017: 78.0%FY 2018: 80.0%FY 2019: 78.9%FY 2020: 70.8%FY 2021: 63.4%FY 2022: 100.0%FY 2023: 30.8%FY 2024: 91.7%FY 2025: 95.2%
FY 2016 5y median 91.7% FY 2025
Operating Margin 81.7%
FY 2016: 16.4%FY 2017: 6.7%FY 2018: 59.9%FY 2019: 57.9%FY 2020: 41.5%FY 2021: 75.0%FY 2022: 73.2%FY 2023: 65.3%FY 2024: 73.9%FY 2025: 81.7%
FY 2016 5y median 73.9% FY 2025
Net Margin -2.6%
FY 2016: 16.4%FY 2017: 6.7%FY 2018: 8.0%FY 2019: 12.8%FY 2020: 12.5%FY 2021: 31.6%FY 2022: 38.9%FY 2023: 19.7%FY 2024: 3.4%FY 2025: -2.6%
FY 2016 5y median 19.7% FY 2025
ROE -3.3%
FY 2016: 18.4%FY 2017: 8.5%FY 2018: 11.2%FY 2019: 17.9%FY 2020: 16.9%FY 2021: 27.6%FY 2022: 21.7%FY 2023: 8.3%FY 2024: 5.0%FY 2025: -3.3%
FY 2016 5y median 8.3% FY 2025
ROIC 72.1%
FY 2016: 0.4%FY 2017: 0.1%FY 2018: 2.2%FY 2019: 2.4%FY 2020: 1.3%FY 2021: 1.7%FY 2022: 1.5%FY 2023: 1.0%FY 2024: 83.4%FY 2025: 72.1%
FY 2016 5y median 1.7% FY 2025
ROA -0.2%
FY 2016: 0.6%FY 2017: 0.3%FY 2018: 0.4%FY 2019: 0.6%FY 2020: 0.5%FY 2021: 0.9%FY 2022: 0.9%FY 2023: 0.4%FY 2024: 0.3%FY 2025: -0.2%
FY 2016 5y median 0.4% FY 2025

Growth (YoY)

Revenue -18.4%
FY 2016: -3.5%FY 2017: 5.7%FY 2018: 12.0%FY 2019: -4.8%FY 2020: -29.4%FY 2021: -31.1%FY 2022: -27.0%FY 2023: -30.3%FY 2024: 229.5%FY 2025: -18.4%
FY 2016 FY 2025
Operating Income -9.8%
FY 2016: -31.6%FY 2017: -57.1%FY 2018: 906.8%FY 2019: -8.0%FY 2020: -49.4%FY 2021: 24.3%FY 2022: -28.7%FY 2023: -37.8%FY 2024: 272.6%FY 2025: -9.8%
FY 2016 FY 2025
EPS (diluted) -168.3%
FY 2016: -17.9%FY 2017: -50.7%FY 2018: 44.2%FY 2019: 70.7%FY 2020: -17.6%FY 2021: 97.6%FY 2022: 7.4%FY 2023: -58.7%FY 2024: -35.1%FY 2025: -168.3%
FY 2016 FY 2025
Free Cash Flow -3.9%
FY 2016: -29.5%FY 2017: -14.0%FY 2018: -1.6%FY 2019: -10.6%FY 2020: -3.1%FY 2021: -28.9%FY 2022: -56.6%FY 2023: 121.6%FY 2024: -32.1%FY 2025: -3.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 0.5×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.4×
FY 2016: 0.5×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 2.1×
FY 2016: 30.4×FY 2017: 30.4×FY 2018: 26.6×FY 2019: 24.5×FY 2020: 31.8×FY 2021: 28.7×FY 2022: 20.5×FY 2023: 19.3×FY 2024: 16.4×FY 2025: 2.1×
FY 2016 5y median 19.3× FY 2025
Net Debt / EBITDA 990×
FY 2016: 48.2×FY 2017: 65.5×FY 2018: 23.0×FY 2019: 20.2×FY 2020: 31.4×FY 2021: 21.5×FY 2022: 14.3×FY 2023: 34.6×FY 2024: 11.4×FY 2025: 990×
FY 2016 5y median 21.5× FY 2025
Interest Coverage 1.0×
FY 2016: 0.3×FY 2017: 0.1×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 1.3×FY 2022: 0.6×FY 2023: 0.2×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 2.8%FY 2017: 2.6%FY 2018: 3.8%FY 2019: 2.6%FY 2020: 2.5%FY 2021: 2.5%FY 2022: 3.6%FY 2023: 3.0%FY 2024: 3.6%FY 2025: 3.2%
FY 2016 5y median 3.2% FY 2025
Payout Ratio -78.8%
FY 2016: 29.5%FY 2017: 60.3%FY 2018: 42.0%FY 2019: 24.6%FY 2020: 29.9%FY 2021: 14.9%FY 2022: 14.1%FY 2023: 34.2%FY 2024: 53.4%FY 2025: -78.8%
FY 2016 5y median 14.9% FY 2025

Annual · latest fiscal year ends 2025-12-31