19.61 USD
+0.06 (+0.31%)
JSM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. JSM may be in some trouble as it scores bad on both profitability and health. JSM does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year JSM has reported negative net income.
- JSM had a positive operating cash flow in the past year.
- Each year in the past 5 years JSM has been profitable.
- In the past 5 years JSM always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of -0.10%, JSM is not doing good in the industry: 81.13% of the companies in the same industry are doing better.
- JSM has a Return On Equity of -2.05%. This is amonst the worse of the industry: JSM underperforms 83.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -2.05% | ||
| ROIC | N/A |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- JSM's Profit Margin has declined in the last couple of years.
- In the last couple of years the Operating Margin of JSM has declined.
- JSM's Gross Margin of 107.65% is amongst the best of the industry. JSM outperforms 98.11% of its industry peers.
- In the last couple of years the Gross Margin of JSM has remained more or less at the same level.
- The Profit Margin and Operating Margin are not available for JSM so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 107.65% |
OM growth 3Y-38.66%
OM growth 5Y-23.58%
PM growth 3Y-24.9%
PM growth 5Y-14.58%
GM growth 3Y-0.7%
GM growth 5Y-1.38%
2. Health
2.1 Basic Checks
- Compared to 1 year ago, JSM has less shares outstanding
- Compared to 5 years ago, JSM has less shares outstanding
- The debt/assets ratio for JSM has been reduced compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.10, we must say that JSM is in the distress zone and has some risk of bankruptcy.
- JSM's Altman-Z score of 0.10 is on the low side compared to the rest of the industry. JSM is outperformed by 64.15% of its industry peers.
- JSM has a debt to FCF ratio of 168.49. This is a negative value and a sign of low solvency as JSM would need 168.49 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 168.49, JSM perfoms like the industry average, outperforming 41.51% of the companies in the same industry.
- JSM has a Debt/Equity ratio of 19.00. This is a high value indicating a heavy dependency on external financing.
- JSM has a worse Debt to Equity ratio (19.00) than 88.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 19 | ||
| Debt/FCF | 168.49 | ||
| Altman-Z | 0.1 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- JSM has a Current Ratio of 0.46. This is a bad value and indicates that JSM is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.46, JSM is doing worse than 64.15% of the companies in the same industry.
- JSM has a Quick Ratio of 0.46. This is a bad value and indicates that JSM is not financially healthy enough and could expect problems in meeting its short term obligations.
- JSM has a worse Quick ratio (0.46) than 64.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.46 |
3. Growth
3.1 Past
- JSM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -125.62%.
- JSM shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.62% yearly.
- JSM shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -31.00%.
- Measured over the past years, JSM shows a very negative growth in Revenue. The Revenue has been decreasing by -13.57% on average per year.
EPS 1Y (TTM)-125.62%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-157.93%
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%34.17%
3.2 Future
- The Earnings Per Share is expected to decrease by -9.53% on average over the next years.
- The Revenue is expected to grow by 8.59% on average over the next years. This is quite good.
EPS Next Y-103.5%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
EPS Next 5YN/A
Revenue Next Year9.14%
Revenue Next 2Y4.45%
Revenue Next 3Y8.59%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- JSM reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- A Price/Forward Earnings ratio of 16.09 indicates a correct valuation of JSM.
- Based on the Price/Forward Earnings ratio, JSM is valued a bit more expensive than the industry average as 62.26% of the companies are valued more cheaply.
- When comparing the Price/Forward Earnings ratio of JSM to the average of the S&P500 Index (24.04), we can say JSM is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.09 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, JSM is valued a bit cheaper than the industry average as 64.15% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- JSM's earnings are expected to decrease with -9.53% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
5. Dividend
5.1 Amount
- JSM has a Yearly Dividend Yield of 4.88%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.60, JSM pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.92, JSM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
5.2 History
- The dividend of JSM has a limited annual growth rate of 0.28%.
- JSM has been paying a dividend for over 5 years, so it has already some track record.
- JSM has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
- JSM has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-130%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
NAVIENT CORP - NAVI 6 12/15/43
NASDAQ:JSM (1/13/2026, 8:00:02 PM)
19.61
+0.06 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)01-27 2026-01-27/amc
Inst Owners105.23%
Inst Owner ChangeN/A
Ins Owners1.96%
Ins Owner ChangeN/A
Market Cap1.91B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target19.82 (1.07%)
Short Float %0%
Short Ratio0.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.88% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP-130%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-13 2026-03-13 (0.375)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-294.05%
Min EPS beat(2)-564.69%
Max EPS beat(2)-23.4%
EPS beat(4)1
Avg EPS beat(4)-192.62%
Min EPS beat(4)-564.69%
Max EPS beat(4)23.1%
EPS beat(8)2
Avg EPS beat(8)-53.09%
EPS beat(12)3
Avg EPS beat(12)-38.23%
EPS beat(16)5
Avg EPS beat(16)-37.5%
Revenue beat(2)2
Avg Revenue beat(2)4.41%
Min Revenue beat(2)0.9%
Max Revenue beat(2)7.92%
Revenue beat(4)3
Avg Revenue beat(4)-0.39%
Min Revenue beat(4)-11.17%
Max Revenue beat(4)7.92%
Revenue beat(8)3
Avg Revenue beat(8)-6.36%
Revenue beat(12)6
Avg Revenue beat(12)-2.54%
Revenue beat(16)10
Avg Revenue beat(16)8.63%
PT rev (1m)-4.67%
PT rev (3m)-9.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.36%
EPS NY rev (1m)0%
EPS NY rev (3m)-106.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.78%
Revenue NY rev (1m)-0.93%
Revenue NY rev (3m)3.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.09 | ||
| P/S | 3.18 | ||
| P/FCF | 6.95 | ||
| P/OCF | 6.95 | ||
| P/B | 0.78 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY6.22%
FCF(TTM)2.82
FCFY14.38%
OCF(TTM)2.82
OCFY14.38%
SpS6.16
BVpS25.01
TBVpS20.55
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.1% | ||
| ROE | -2.05% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 107.65% | ||
| FCFM | 45.76% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)0.64%
ROCE(5y)0.86%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-38.66%
OM growth 5Y-23.58%
PM growth 3Y-24.9%
PM growth 5Y-14.58%
GM growth 3Y-0.7%
GM growth 5Y-1.38%
F-Score4
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 19 | ||
| Debt/FCF | 168.49 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.46 | ||
| Altman-Z | 0.1 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)231.39%
Profit Quality(5y)206.33%
High Growth Momentum
Growth
EPS 1Y (TTM)-125.62%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-157.93%
EPS Next Y-103.5%
EPS Next 2Y-21.34%
EPS Next 3Y-9.53%
EPS Next 5YN/A
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%34.17%
Revenue Next Year9.14%
Revenue Next 2Y4.45%
Revenue Next 3Y8.59%
Revenue Next 5YN/A
EBIT growth 1Y-158.09%
EBIT growth 3Y-53.65%
EBIT growth 5Y-33.95%
EBIT Next Year-47.56%
EBIT Next 3Y-13.94%
EBIT Next 5YN/A
FCF growth 1Y-52.01%
FCF growth 3Y-13.21%
FCF growth 5Y-14.74%
OCF growth 1Y-52.01%
OCF growth 3Y-13.21%
OCF growth 5Y-14.74%
NAVIENT CORP - NAVI 6 12/15/43 / JSM FAQ
Can you provide the ChartMill fundamental rating for NAVIENT CORP - NAVI 6 12/15/43?
ChartMill assigns a fundamental rating of 3 / 10 to JSM.
What is the valuation status of NAVIENT CORP - NAVI 6 12/15/43 (JSM) stock?
ChartMill assigns a valuation rating of 2 / 10 to NAVIENT CORP - NAVI 6 12/15/43 (JSM). This can be considered as Overvalued.
What is the profitability of JSM stock?
NAVIENT CORP - NAVI 6 12/15/43 (JSM) has a profitability rating of 3 / 10.
How financially healthy is NAVIENT CORP - NAVI 6 12/15/43?
The financial health rating of NAVIENT CORP - NAVI 6 12/15/43 (JSM) is 2 / 10.
What is the earnings growth outlook for NAVIENT CORP - NAVI 6 12/15/43?
The Earnings per Share (EPS) of NAVIENT CORP - NAVI 6 12/15/43 (JSM) is expected to decline by -103.5% in the next year.