NAVIENT CORP - NAVI 6 12/15/43 (JSM) Stock Fundamental Analysis
USA - NASDAQ:JSM - US63938C4050
19.6878 USD
+0.1 (+0.5%)
Overall JSM gets a fundamental rating of 2 out of 10. We evaluated JSM against 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of JSM have multiple concerns. JSM has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
JSM had positive 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.
Each year in the past 5 years JSM had a positive operating cash flow.
1.2 Ratios
The Return On Assets of JSM (0.07%) is worse than 70.91% of its industry peers.
JSM has a worse Return On Equity (1.33%) than 70.91% of its industry peers.
JSM has a Return On Invested Capital of 0.05%. This is in the lower half of the industry: JSM underperforms 60.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for JSM is significantly below the industry average of 11.02%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 1.33% | ||
| ROIC | 0.05% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)0.44%
ROIC(5y)0.59%
1.3 Margins
JSM's Profit Margin of 5.24% is on the low side compared to the rest of the industry. JSM is outperformed by 67.27% of its industry peers.
In the last couple of years the Profit Margin of JSM has declined.
Looking at the Operating Margin, with a value of 4.93%, JSM is in line with its industry, outperforming 45.45% of the companies in the same industry.
JSM's Operating Margin has declined in the last couple of years.
JSM has a Gross Margin of 107.09%. This is amongst the best in the industry. JSM outperforms 98.18% of its industry peers.
JSM's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.93% | ||
| PM (TTM) | 5.24% | ||
| GM | 107.09% |
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
JSM has less shares outstanding than it did 1 year ago.
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 0.11, we must say that JSM is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of JSM (0.11) is worse than 61.82% of its industry peers.
JSM has a debt to FCF ratio of 241.52. This is a negative value and a sign of low solvency as JSM would need 241.52 years to pay back of all of its debts.
JSM has a Debt to FCF ratio of 241.52. This is in the lower half of the industry: JSM underperforms 63.64% of its industry peers.
JSM has a Debt/Equity ratio of 18.37. This is a high value indicating a heavy dependency on external financing.
JSM has a worse Debt to Equity ratio (18.37) than 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 18.37 | ||
| Debt/FCF | 241.52 | ||
| Altman-Z | 0.11 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
JSM has a Current Ratio of 0.50. 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 0.50 is on the low side compared to the rest of the industry. JSM is outperformed by 63.64% of its industry peers.
A Quick Ratio of 0.50 indicates that JSM may have some problems paying its short term obligations.
JSM has a worse Quick ratio (0.50) than 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.97% over the past year.
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 -38.60%.
The Revenue for JSM have been decreasing by -13.57% on average. This is quite bad
EPS 1Y (TTM)15.97%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-27.59%
Revenue 1Y (TTM)-38.6%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%20%
3.2 Future
JSM is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -9.01% yearly.
Based on estimates for the next years, JSM will show a small growth in Revenue. The Revenue will grow by 6.98% on average per year.
EPS Next Y-49.02%
EPS Next 2Y-18.53%
EPS Next 3Y-9.01%
EPS Next 5YN/A
Revenue Next Year0.71%
Revenue Next 2Y0.56%
Revenue Next 3Y6.98%
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 11.79, which indicates a very decent valuation of JSM.
JSM's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.38. JSM is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 15.06 indicates a correct valuation of JSM.
JSM's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. JSM is more expensive than 61.82% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.86. JSM is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 15.06 |
4.2 Price Multiples
JSM's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as JSM's earnings are expected to decrease with -9.01% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.53%
EPS Next 3Y-9.01%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.80%, JSM is a good candidate for dividend investing.
JSM's Dividend Yield is rather good when compared to the industry average which is at 4.22. JSM pays more dividend than 81.82% of the companies in the same industry.
JSM's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.8% |
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
197.06% of the earnings are spent on dividend by JSM. This is not a sustainable payout ratio.
JSM's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP197.06%
EPS Next 2Y-18.53%
EPS Next 3Y-9.01%
NAVIENT CORP - NAVI 6 12/15/43
NASDAQ:JSM (9/19/2025, 8:24:22 PM)
19.6878
+0.1 (+0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners103.4%
Inst Owner ChangeN/A
Ins Owners1.89%
Ins Owner ChangeN/A
Market Cap1.97B
Analysts51.43
Price Target21.15 (7.43%)
Short Float %0%
Short Ratio0.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.8% |
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP197.06%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.15%
Min EPS beat(2)-23.4%
Max EPS beat(2)23.1%
EPS beat(4)2
Avg EPS beat(4)66.75%
Min EPS beat(4)-205.47%
Max EPS beat(4)472.75%
EPS beat(8)2
Avg EPS beat(8)12.8%
EPS beat(12)3
Avg EPS beat(12)6.91%
EPS beat(16)6
Avg EPS beat(16)-1.78%
Revenue beat(2)2
Avg Revenue beat(2)4.35%
Min Revenue beat(2)0.78%
Max Revenue beat(2)7.92%
Revenue beat(4)2
Avg Revenue beat(4)-6.06%
Min Revenue beat(4)-21.76%
Max Revenue beat(4)7.92%
Revenue beat(8)3
Avg Revenue beat(8)-3.55%
Revenue beat(12)6
Avg Revenue beat(12)-1.5%
Revenue beat(16)10
Avg Revenue beat(16)12.07%
PT rev (1m)-4.66%
PT rev (3m)12.01%
EPS NQ rev (1m)-1.61%
EPS NQ rev (3m)-1.03%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.19%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)4.55%
Revenue NY rev (1m)1.31%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.79 | ||
| Fwd PE | 15.06 | ||
| P/S | 3.03 | ||
| P/FCF | 10.1 | ||
| P/OCF | 10.1 | ||
| P/B | 0.77 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.67
EY8.48%
EPS(NY)1.31
Fwd EY6.64%
FCF(TTM)1.95
FCFY9.9%
OCF(TTM)1.95
OCFY9.9%
SpS6.49
BVpS25.64
TBVpS21.28
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.07% | ||
| ROE | 1.33% | ||
| ROCE | 0.07% | ||
| ROIC | 0.05% | ||
| ROICexc | 0.05% | ||
| ROICexgc | 0.05% | ||
| OM | 4.93% | ||
| PM (TTM) | 5.24% | ||
| GM | 107.09% | ||
| FCFM | 30.05% |
ROA(3y)0.51%
ROA(5y)0.58%
ROE(3y)11.63%
ROE(5y)15.89%
ROIC(3y)0.44%
ROIC(5y)0.59%
ROICexc(3y)0.44%
ROICexc(5y)0.6%
ROICexgc(3y)0.45%
ROICexgc(5y)0.61%
ROCE(3y)0.64%
ROCE(5y)0.86%
ROICexcg growth 3Y-44.69%
ROICexcg growth 5Y-24.15%
ROICexc growth 3Y-44.69%
ROICexc growth 5Y-24.15%
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-Score5
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 18.37 | ||
| Debt/FCF | 241.52 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.01 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 573.53% | ||
| Current Ratio | 0.5 | ||
| Quick Ratio | 0.5 | ||
| Altman-Z | 0.11 |
F-Score5
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)15.97%
EPS 3Y-13.56%
EPS 5Y-5.62%
EPS Q2Q%-27.59%
EPS Next Y-49.02%
EPS Next 2Y-18.53%
EPS Next 3Y-9.01%
EPS Next 5YN/A
Revenue 1Y (TTM)-38.6%
Revenue growth 3Y-24.44%
Revenue growth 5Y-13.57%
Sales Q2Q%20%
Revenue Next Year0.71%
Revenue Next 2Y0.56%
Revenue Next 3Y6.98%
Revenue Next 5YN/A
EBIT growth 1Y-84.83%
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-62.43%
FCF growth 3Y-13.21%
FCF growth 5Y-14.74%
OCF growth 1Y-62.43%
OCF growth 3Y-13.21%
OCF growth 5Y-14.74%