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

NASDAQ:JSM • US63938C4050

19.41 USD
+0.04 (+0.21%)
Last: Mar 2, 2026, 11:34 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

JSM gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. JSM has a bad profitability rating. Also its financial health evaluation is rather negative. JSM has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • JSM had negative earnings in the past year.
  • JSM had a positive operating cash flow in the past year.
  • Of the past 5 years JSM 4 years were profitable.
  • Of the past 5 years JSM 4 years had a positive operating cash flow.
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 has a worse Return On Assets (-0.10%) than 85.19% of its industry peers.
  • JSM has a Return On Equity of -2.05%. This is amonst the worse of the industry: JSM underperforms 85.19% of its industry peers.
Industry RankSector Rank
ROA -0.1%
ROE -2.05%
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

  • The Gross Margin of JSM (107.65%) is better than 98.15% 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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 107.65%
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. 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 is higher compared to a year ago.
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

  • 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 62.96% 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.
  • JSM has a Debt to FCF ratio (168.49) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 19.00 is on the high side and indicates that JSM has dependencies on debt financing.
  • The Debt to Equity ratio of JSM (19.00) is worse than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 19
Debt/FCF 168.49
Altman-Z 0.1
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 0.46 indicates that JSM may have some problems paying its short term obligations.
  • JSM has a worse Current ratio (0.46) than 64.81% 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 64.81% of its industry peers.
Industry RankSector Rank
Current Ratio 0.46
Quick Ratio 0.46
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. Growth

3.1 Past

  • JSM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -118.27%.
  • The Revenue for JSM has decreased by -33.04% 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)-33.04%
Revenue growth 3Y-28.08%
Revenue growth 5Y-20.53%
Sales Q2Q%-12.59%

3.2 Future

  • Based on estimates for the next years, JSM will show a very strong growth in Earnings Per Share. The EPS will grow by 77.56% on average per year.
  • Based on estimates for the next years, JSM will show a quite strong growth in Revenue. The Revenue will grow by 8.23% on average per year.
EPS Next Y339.28%
EPS Next 2Y122.42%
EPS Next 3Y77.56%
EPS Next 5YN/A
Revenue Next Year-5.94%
Revenue Next 2Y2.84%
Revenue Next 3Y8.23%
Revenue Next 5YN/A

3.3 Evolution

  • 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.
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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Find the best growth stocksShow best growing peers

3

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 22.53 indicates a rather expensive valuation of JSM.
  • Based on the Price/Forward Earnings ratio, JSM is valued a bit more expensive than the industry average as 68.52% of the companies are valued more cheaply.
  • JSM is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 22.53
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as JSM.
Industry RankSector Rank
P/FCF 6.78
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.
  • JSM's earnings are expected to grow with 77.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y122.42%
EPS Next 3Y77.56%

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

6

5. Dividend

5.1 Amount

  • JSM has a Yearly Dividend Yield of 7.12%, which is a nice return.
  • JSM's Dividend Yield is rather good when compared to the industry average which is at 2.83. JSM pays more dividend than 83.33% of the companies in the same industry.
  • JSM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.12%

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
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

  • The earnings of JSM are negative and hence is the payout ratio. JSM will probably not be able to sustain this dividend level.
  • JSM's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-130%
EPS Next 2Y122.42%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

NAVIENT CORP - NAVI 6 12/15/43

NASDAQ:JSM (3/2/2026, 11:34:23 AM)

19.41

+0.04 (+0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-28
Earnings (Next)04-28
Inst Owners105.23%
Inst Owner ChangeN/A
Ins Owners1.96%
Ins Owner ChangeN/A
Market Cap1.86B
Revenue(TTM)541.00M
Net Income(TTM)-50.00M
Analysts50
Price Target25.46 (31.17%)
Short Float %0.02%
Short Ratio0.74
Dividend
Industry RankSector Rank
Dividend Yield 7.12%
Yearly Dividend0.65
Dividend Growth(5Y)0.28%
DP-130%
Div Incr Years0
Div Non Decr Years3
Ex-Date03-13
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)20.98%
PT rev (3m)22.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.71%
EPS NY rev (1m)-29.14%
EPS NY rev (3m)-29.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.03%
Revenue NY rev (1m)-6.29%
Revenue NY rev (3m)-5.61%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 22.53
P/S 3.1
P/FCF 6.78
P/OCF 6.78
P/B 0.76
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)-0.36
EYN/A
EPS(NY)0.86
Fwd EY4.44%
FCF(TTM)2.86
FCFY14.76%
OCF(TTM)2.86
OCFY14.76%
SpS6.26
BVpS25.41
TBVpS20.88
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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)0.15%
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-Score5
Asset Turnover0.01
Health
Industry RankSector 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-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)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 Y339.28%
EPS Next 2Y122.42%
EPS Next 3Y77.56%
EPS Next 5YN/A
Revenue 1Y (TTM)-33.04%
Revenue growth 3Y-28.08%
Revenue growth 5Y-20.53%
Sales Q2Q%-12.59%
Revenue Next Year-5.94%
Revenue Next 2Y2.84%
Revenue Next 3Y8.23%
Revenue Next 5YN/A
EBIT growth 1Y-158.09%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-64.67%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-63.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-63.86%
OCF growth 3YN/A
OCF growth 5YN/A

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 of NAVIENT CORP - NAVI 6 12/15/43 (JSM) stock?

ChartMill assigns a valuation rating of 3 / 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 2 / 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 1 / 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 grow by 339.28% in the next year.