NAVIENT CORP - NAVI 6 12/15/43 (JSM) Fundamental Analysis & Valuation

NASDAQ:JSM • US63938C4050

Current stock price

18.44 USD
-0.12 (-0.65%)
Last:

This JSM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. JSM Profitability Analysis

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.
  • Of the past 5 years JSM 4 years were profitable.
  • In the past 5 years JSM always reported a positive cash flow from operatings.
JSM Yearly Net Income VS EBIT VS OCF VS FCFJSM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

1.2 Ratios

  • JSM's Return On Assets of -0.16% is on the low side compared to the rest of the industry. JSM is outperformed by 83.33% of its industry peers.
  • JSM has a worse Return On Equity (-3.29%) than 83.33% of its industry peers.
Industry RankSector Rank
ROA -0.16%
ROE -3.29%
ROIC N/A
ROA(3y)0.15%
ROA(5y)0.45%
ROE(3y)3.3%
ROE(5y)11.83%
ROIC(3y)N/A
ROIC(5y)N/A
JSM Yearly ROA, ROE, ROICJSM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

1.3 Margins

  • With an excellent Gross Margin value of 109.41%, JSM belongs to the best of the industry, outperforming 98.15% of the companies in the same industry.
  • JSM's Gross Margin has been stable in the last couple of years.
  • JSM does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 109.41%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.29%
GM growth 5Y-0.56%
JSM Yearly Profit, Operating, Gross MarginsJSM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. JSM Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for JSM has been reduced compared to 1 year ago.
  • The number of shares outstanding for JSM has been reduced compared to 5 years ago.
  • JSM has a worse debt/assets ratio than last year.
JSM Yearly Shares OutstandingJSM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M
JSM Yearly Total Debt VS Total AssetsJSM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.2 Solvency

  • Based on the Altman-Z score of 0.00, we must say that JSM is in the distress zone and has some risk of bankruptcy.
  • JSM has a worse Altman-Z score (0.00) than 64.81% of its industry peers.
  • JSM has a debt to FCF ratio of 103.64. This is a negative value and a sign of low solvency as JSM would need 103.64 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 103.64, JSM is doing worse than 62.96% of the companies in the same industry.
  • A Debt/Equity ratio of 17.50 is on the high side and indicates that JSM has dependencies on debt financing.
  • The Debt to Equity ratio of JSM (17.50) is worse than 92.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 17.5
Debt/FCF 103.64
Altman-Z 0
ROIC/WACCN/A
WACCN/A
JSM Yearly LT Debt VS Equity VS FCFJSM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B 100B

2.3 Liquidity

  • A Current Ratio of 0.26 indicates that JSM may have some problems paying its short term obligations.
  • The Current ratio of JSM (0.26) is worse than 68.52% of its industry peers.
  • JSM has a Quick Ratio of 0.26. 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 Quick ratio, with a value of 0.26, JSM is doing worse than 68.52% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.26
Quick Ratio 0.26
JSM Yearly Current Assets VS Current LiabilitesJSM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. JSM Growth Analysis

3.1 Past

  • The earnings per share for JSM have decreased strongly by -118.27% in the last year.
  • The Revenue for JSM has decreased by -32.92% in the past year. This is quite bad
  • JSM shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -20.53% yearly.
EPS 1Y (TTM)-118.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%108.33%
Revenue 1Y (TTM)-32.92%
Revenue growth 3Y-28.08%
Revenue growth 5Y-20.53%
Sales Q2Q%-12.59%

3.2 Future

  • JSM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 77.56% yearly.
  • The Revenue is expected to grow by 8.23% on average over the next years. This is quite good.
EPS Next Y299.04%
EPS Next 2Y116.95%
EPS Next 3Y77.56%
EPS Next 5YN/A
Revenue Next Year-9.15%
Revenue Next 2Y2.54%
Revenue Next 3Y8.23%
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
JSM Yearly Revenue VS EstimatesJSM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
JSM Yearly EPS VS EstimatesJSM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 2 3 4

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4

4. JSM Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for JSM. In the last year negative earnings were reported.
  • A Price/Forward Earnings ratio of 25.73 indicates a quite expensive valuation of JSM.
  • Based on the Price/Forward Earnings ratio, JSM is valued a bit more expensive than 70.37% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of JSM to the average of the S&P500 Index (38.09), we can say JSM is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 25.73
JSM Price Earnings VS Forward Price EarningsJSM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, JSM is valued a bit cheaper than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.98
EV/EBITDA N/A
JSM Per share dataJSM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

  • JSM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as JSM's earnings are expected to grow with 77.56% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y116.95%
EPS Next 3Y77.56%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. JSM Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.64%, JSM is a good candidate for dividend investing.
  • JSM's Dividend Yield is rather good when compared to the industry average which is at 3.11. JSM pays more dividend than 85.19% of the companies in the same industry.
  • JSM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 7.64%

5.2 History

  • The dividend of JSM has a limited annual growth rate of 0.69%.
  • 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)0.69%
Div Incr Years0
Div Non Decr Years4
JSM Yearly Dividends per shareJSM Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • JSM has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • The dividend of JSM is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-79.75%
EPS Next 2Y116.95%
EPS Next 3Y77.56%
JSM Yearly Income VS Free CF VS DividendJSM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

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JSM Fundamentals: All Metrics, Ratios and Statistics

NAVIENT CORP - NAVI 6 12/15/43

NASDAQ:JSM (4/21/2026, 8:00:03 PM)

18.44

-0.12 (-0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-28
Earnings (Next)04-29
Inst Owners101.91%
Inst Owner ChangeN/A
Ins Owners1.75%
Ins Owner ChangeN/A
Market Cap1.75B
Revenue(TTM)542.00M
Net Income(TTM)-79.00M
Analysts50
Price Target22.01 (19.36%)
Short Float %0.02%
Short Ratio1.01
Dividend
Industry RankSector Rank
Dividend Yield 7.64%
Yearly Dividend0.63
Dividend Growth(5Y)0.69%
DP-79.75%
Div Incr Years0
Div Non Decr Years4
Ex-Date06-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-329.23%
Min EPS beat(2)-564.69%
Max EPS beat(2)-93.76%
EPS beat(4)1
Avg EPS beat(4)-164.69%
Min EPS beat(4)-564.69%
Max EPS beat(4)23.1%
EPS beat(8)2
Avg EPS beat(8)-55.73%
EPS beat(12)3
Avg EPS beat(12)-45.15%
EPS beat(16)5
Avg EPS beat(16)-34.08%
Revenue beat(2)1
Avg Revenue beat(2)-12.79%
Min Revenue beat(2)-26.48%
Max Revenue beat(2)0.9%
Revenue beat(4)3
Avg Revenue beat(4)-4.22%
Min Revenue beat(4)-26.48%
Max Revenue beat(4)7.92%
Revenue beat(8)3
Avg Revenue beat(8)-8.93%
Revenue beat(12)5
Avg Revenue beat(12)-6.19%
Revenue beat(16)9
Avg Revenue beat(16)3.72%
PT rev (1m)-13.53%
PT rev (3m)4.6%
EPS NQ rev (1m)-9.68%
EPS NQ rev (3m)-32.36%
EPS NY rev (1m)0.87%
EPS NY rev (3m)-41.21%
Revenue NQ rev (1m)-2.23%
Revenue NQ rev (3m)-11.47%
Revenue NY rev (1m)1.1%
Revenue NY rev (3m)-9.49%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 25.73
P/S 3.24
P/FCF 3.98
P/OCF 3.98
P/B 0.73
P/tB 0.89
EV/EBITDA N/A
EPS(TTM)-0.36
EYN/A
EPS(NY)0.72
Fwd EY3.89%
FCF(TTM)4.64
FCFY25.15%
OCF(TTM)4.64
OCFY25.15%
SpS5.7
BVpS25.23
TBVpS20.66
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -0.16%
ROE -3.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 109.41%
FCFM 81.37%
ROA(3y)0.15%
ROA(5y)0.45%
ROE(3y)3.3%
ROE(5y)11.83%
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)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.29%
GM growth 5Y-0.56%
F-Score4
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 17.5
Debt/FCF 103.64
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 0.26
Quick Ratio 0.26
Altman-Z 0
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-118.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%108.33%
EPS Next Y299.04%
EPS Next 2Y116.95%
EPS Next 3Y77.56%
EPS Next 5YN/A
Revenue 1Y (TTM)-32.92%
Revenue growth 3Y-28.08%
Revenue growth 5Y-20.53%
Sales Q2Q%-12.59%
Revenue Next Year-9.15%
Revenue Next 2Y2.54%
Revenue Next 3Y8.23%
Revenue Next 5YN/A
EBIT growth 1Y-160.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-64.67%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.92%
FCF growth 3Y13.08%
FCF growth 5Y-14.88%
OCF growth 1Y-3.92%
OCF growth 3Y13.08%
OCF growth 5Y-14.88%

NAVIENT CORP - NAVI 6 12/15/43 / JSM Fundamental Analysis 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 4 / 10 to NAVIENT CORP - NAVI 6 12/15/43 (JSM). This can be considered as Fairly Valued.


How profitable is NAVIENT CORP - NAVI 6 12/15/43 (JSM) stock?

NAVIENT CORP - NAVI 6 12/15/43 (JSM) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for JSM stock?

The Earnings per Share (EPS) of NAVIENT CORP - NAVI 6 12/15/43 (JSM) is expected to grow by 299.04% in the next year.