19.43 USD
+0.01 (+0.05%)
JSM gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 55 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.
In the past year JSM had a positive cash flow from operations.
JSM had positive earnings in each of the past 5 years.
Each year in the past 5 years JSM had a positive operating cash flow.
1.2 Ratios
JSM has a worse Return On Assets (-0.10%) than 80.00% of its industry peers.
The Return On Equity of JSM (-2.05%) is worse than 81.82% 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
In the last couple of years the Profit Margin of JSM has declined.
In the last couple of years the Operating Margin of JSM has declined.
JSM has a better Gross Margin (107.65%) than 98.18% of its industry peers.
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 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
The number of shares outstanding for JSM has been reduced compared to 5 years ago.
JSM has a better debt/assets ratio than last year.
2.2 Solvency
JSM has an Altman-Z score of 0.10. This is a bad value and indicates that JSM is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of JSM (0.10) is worse than 65.45% 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 is not doing good in the industry: 60.00% of the companies in the same industry are doing better.
A Debt/Equity ratio of 19.00 is on the high side and indicates that JSM has dependencies on debt financing.
JSM has a Debt to Equity ratio of 19.00. This is amonst the worse of the industry: JSM underperforms 90.91% 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.
JSM's Current ratio of 0.46 is on the low side compared to the rest of the industry. JSM is outperformed by 67.27% of its industry peers.
A Quick Ratio of 0.46 indicates that JSM may have some problems paying its short term obligations.
JSM's Quick ratio of 0.46 is on the low side compared to the rest of the industry. JSM is outperformed by 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.46 |
3. Growth
3.1 Past
The earnings per share for JSM have decreased strongly by -125.62% in the last year.
Measured over the past years, JSM shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.62% on average per year.
JSM shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -31.00%.
The Revenue for JSM have been decreasing by -13.57% on average. This is quite bad
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
JSM is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -9.17% yearly.
Based on estimates for the next years, JSM will show a quite strong growth in Revenue. The Revenue will grow by 8.81% on average per year.
EPS Next Y-88.25%
EPS Next 2Y-21.31%
EPS Next 3Y-9.17%
EPS Next 5YN/A
Revenue Next Year6.95%
Revenue Next 2Y4.22%
Revenue Next 3Y8.81%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
Based on the Price/Forward Earnings ratio of 15.93, the valuation of JSM can be described as correct.
Based on the Price/Forward Earnings ratio, JSM is valued a bit more expensive than the industry average as 61.82% of the companies are valued more cheaply.
JSM is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 15.93 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, JSM is valued a bit cheaper than 61.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.07 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as JSM's earnings are expected to decrease with -9.17% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-21.31%
EPS Next 3Y-9.17%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.56%, JSM is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.22, JSM pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, JSM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
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
The earnings of JSM are negative and hence is the payout ratio. JSM will probably not be able to sustain this dividend level.
DP-130%
EPS Next 2Y-21.31%
EPS Next 3Y-9.17%
NAVIENT CORP - NAVI 6 12/15/43
NASDAQ:JSM (11/26/2025, 10:02:36 AM)
19.43
+0.01 (+0.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners104.33%
Inst Owner ChangeN/A
Ins Owners1.91%
Ins Owner ChangeN/A
Market Cap1.94B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target20.77 (6.9%)
Short Float %0%
Short Ratio0.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP-130%
Div Incr Years0
Div Non Decr Years3
Ex-Date
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)-5.08%
PT rev (3m)-3.74%
EPS NQ rev (1m)-7.35%
EPS NQ rev (3m)-3.37%
EPS NY rev (1m)-76.65%
EPS NY rev (3m)-76.95%
Revenue NQ rev (1m)1.76%
Revenue NQ rev (3m)7.5%
Revenue NY rev (1m)-1.78%
Revenue NY rev (3m)7.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 15.93 | ||
| P/S | 3.23 | ||
| P/FCF | 7.07 | ||
| P/OCF | 7.07 | ||
| P/B | 0.8 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY6.28%
FCF(TTM)2.75
FCFY14.15%
OCF(TTM)2.75
OCFY14.15%
SpS6.01
BVpS24.39
TBVpS20.04
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-88.25%
EPS Next 2Y-21.31%
EPS Next 3Y-9.17%
EPS Next 5YN/A
Revenue 1Y (TTM)-31%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%34.17%
Revenue Next Year6.95%
Revenue Next 2Y4.22%
Revenue Next 3Y8.81%
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-9.36%
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 2 / 10 to JSM.
What is the valuation status for 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.
Can you provide the financial health for JSM stock?
The financial health rating of NAVIENT CORP - NAVI 6 12/15/43 (JSM) is 1 / 10.