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Navient Corporation SR NT 6% 121543 JSM

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Price alert · JSM

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15.62 USD +0.03 (+0.16%)

At closeNov 6, 2026, 4:00 PM EST

15.42 -0.20 -1.25%

After hours · Nov 6, 4:00 PM ET

15.36 Day range 15.78
14.65 52-week range 20.38
YTD
-23.23%
1 year
-17.77%

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.

Rating

C2 / 5 overall

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

Valuation

P/E -16.0×
FY 2016: 7.6×FY 2017: 12.6×FY 2018: 5.8×FY 2019: 5.3×FY 2020: 4.6×FY 2021: 5.0×FY 2022: 3.6×FY 2023: 10.0×FY 2024: 11.1×FY 2025: -16.0×
FY 2016 5y median 5.0× FY 2025
P/S 0.4×
FY 2016: 1.0×FY 2017: 0.7×FY 2018: 0.4×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 1.0×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
P/B 0.5×
FY 2016: 1.4×FY 2017: 1.1×FY 2018: 0.7×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 1.4×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.8× FY 2025
P/FCF 2.9×
FY 2016: 3.8×FY 2017: 0.4×FY 2018: 2.0×FY 2019: 3.1×FY 2020: 1.9×FY 2021: 5.1×FY 2022: 7.7×FY 2023: 3.4×FY 2024: 3.2×FY 2025: 2.9×
FY 2016 5y median 3.4× FY 2025
EV/EBITDA 18.1×
FY 2016: 104×FY 2017: 142×FY 2018: 174×FY 2019: 116×FY 2020: 152×FY 2021: 84.9×FY 2022: 82.5×FY 2023: 190×FY 2024: 284×FY 2025: 18.1×
FY 2016 5y median 84.9× FY 2025
EV/Sales 13.9×
FY 2016: 24.1×FY 2017: 21.6×FY 2018: 17.9×FY 2019: 16.8×FY 2020: 22.5×FY 2021: 22.5×FY 2022: 17.8×FY 2023: 12.3×FY 2024: 11.7×FY 2025: 13.9×
FY 2016 5y median 13.9× FY 2025
FCF Yield 34.3%
FY 2016: 26.1%FY 2017: 230.0%FY 2018: 49.8%FY 2019: 32.4%FY 2020: 52.1%FY 2021: 19.5%FY 2022: 13.1%FY 2023: 29.8%FY 2024: 31.7%FY 2025: 34.3%
FY 2016 5y median 29.8% FY 2025

Profitability

Gross Margin 87.0%
FY 2016: 42.2%FY 2017: 34.4%FY 2018: 27.8%FY 2019: 31.7%FY 2020: 41.1%FY 2021: 64.4%FY 2022: 43.2%FY 2023: 23.9%FY 2024: 20.0%FY 2025: 87.0%
FY 2016 5y median 43.2% FY 2025
Operating Margin 77.1%
FY 2016: 22.3%FY 2017: 14.7%FY 2018: 9.4%FY 2019: 13.9%FY 2020: 14.2%FY 2021: 26.5%FY 2022: 21.5%FY 2023: 6.5%FY 2024: 4.1%FY 2025: 77.1%
FY 2016 5y median 21.5% FY 2025
Net Margin -2.5%
FY 2016: 13.7%FY 2017: 5.6%FY 2018: 7.1%FY 2019: 10.9%FY 2020: 11.0%FY 2021: 20.3%FY 2022: 16.8%FY 2023: 4.7%FY 2024: 3.1%FY 2025: -2.5%
FY 2016 5y median 4.7% 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 3.7%
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: 3.7%
FY 2016 5y median 0.9% 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 -23.7%
FY 2016: -4.1%FY 2017: 4.4%FY 2018: 7.9%FY 2019: -1.9%FY 2020: -31.9%FY 2021: -5.5%FY 2022: 8.8%FY 2023: 26.0%FY 2024: -12.4%FY 2025: -23.7%
FY 2016 FY 2025
Operating Income 1331.6%
FY 2016: -29.9%FY 2017: -31.0%FY 2018: -30.9%FY 2019: 44.5%FY 2020: -30.3%FY 2021: 75.9%FY 2022: -11.6%FY 2023: -62.2%FY 2024: -44.4%FY 2025: 1331.6%
FY 2016 FY 2025
EPS (diluted) -168.6%
FY 2016: -18.8%FY 2017: -50.9%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: -36.2%FY 2025: -168.6%
FY 2016 FY 2025
Free Cash Flow -3.9%
FY 2016: -89.3%FY 2017: 521.9%FY 2018: -86.5%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 0.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Quick Ratio 0.7×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Debt / Equity 19.1×
FY 2016: 31.2×FY 2017: 31.8×FY 2018: 28.2×FY 2019: 27.0×FY 2020: 34.3×FY 2021: 29.5×FY 2022: 22.6×FY 2023: 21.0×FY 2024: 18.4×FY 2025: 19.1×
FY 2016 5y median 21.0× FY 2025
Net Debt / EBITDA 17.6×
FY 2016: 99.8×FY 2017: 138×FY 2018: 170×FY 2019: 112×FY 2020: 148×FY 2021: 81.0×FY 2022: 79.6×FY 2023: 182×FY 2024: 276×FY 2025: 17.6×
FY 2016 5y median 81.0× FY 2025
Interest Coverage 1.0×
FY 2016: 0.5×FY 2017: 0.3×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.7×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.0×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 4.9%
FY 2016: 3.9%FY 2017: 4.8%FY 2018: 7.3%FY 2019: 4.7%FY 2020: 6.5%FY 2021: 3.0%FY 2022: 3.9%FY 2023: 3.4%FY 2024: 4.8%FY 2025: 4.9%
FY 2016 5y median 3.9% 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