19.78 USD
+0.16 (+0.82%)
Taking everything into account, JSM scores 2 out of 10 in our fundamental rating. JSM was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of JSM have multiple concerns. JSM is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
JSM had negative earnings in the past year.
In the past year JSM had a positive cash flow from operations.
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
JSM has a Return On Assets of -0.10%. This is amonst the worse of the industry: JSM underperforms 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
JSM's Profit Margin has declined in the last couple of years.
JSM's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 107.65%, JSM belongs to the best of the industry, outperforming 98.18% 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 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
JSM has less shares outstanding than it did 5 years ago.
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.
With a Altman-Z score value of 0.10, JSM is not doing good in the industry: 65.45% of the companies in the same industry are doing better.
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.
The Debt to FCF ratio of JSM (168.49) is worse than 60.00% of its industry peers.
JSM has a Debt/Equity ratio of 19.00. This is a high value indicating a heavy dependency on external financing.
JSM's Debt to Equity ratio of 19.00 is on the low side compared to the rest of the industry. JSM is outperformed by 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
A Current Ratio of 0.46 indicates that JSM may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.46, JSM is doing worse than 67.27% 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.
With a Quick ratio value of 0.46, JSM is not doing good in the industry: 67.27% of the companies in the same industry are doing better.
| 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.
JSM shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.62% yearly.
Looking at the last year, JSM shows a very negative growth in Revenue. The Revenue has decreased by -31.00% in the last year.
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
Based on estimates for the next years, JSM will show a decrease in Earnings Per Share. The EPS will decrease by -9.17% on average per year.
The Revenue is expected to grow by 8.81% on average over the next years. This is quite good.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for JSM. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 16.21, JSM is valued correctly.
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.
When comparing the Price/Forward Earnings ratio of JSM to the average of the S&P500 Index (36.59), we can say JSM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.21 |
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 | 7.19 | ||
| 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 5.13%, JSM is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.12, JSM pays a bit more dividend than its industry peers.
JSM's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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 (11/28/2025, 7:42:32 PM)
19.78
+0.16 (+0.82%)
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 Cap1.93B
Revenue(TTM)601.00M
Net Income(TTM)-50.00M
Analysts50
Price Target20.77 (5.01%)
Short Float %0%
Short Ratio0.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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 | 16.21 | ||
| P/S | 3.29 | ||
| P/FCF | 7.19 | ||
| P/OCF | 7.19 | ||
| P/B | 0.81 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.62
EYN/A
EPS(NY)1.22
Fwd EY6.17%
FCF(TTM)2.75
FCFY13.9%
OCF(TTM)2.75
OCFY13.9%
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.