📊 JSM Key Takeaways
Is Navient Corp. (JSM) a Good Investment?
Navient Corp is deeply unprofitable with a negative operating margin of -3.6% and net margin of -2.6%, while carrying extreme leverage of 16.94x debt-to-equity. The company cannot cover interest expense with operating income, creating significant financial distress risk.
Despite a sharp rebound in revenue and positive free cash flow, Navient remains unprofitable with negative operating and net margins. Extremely high leverage and negative interest coverage signal elevated balance-sheet risk that could overwhelm cash generation. Until sustained profitability and interest coverage improve, the fundamentals skew unfavorably.
Why Buy Navient Corp. Stock? JSM Key Strengths
- Substantial revenue growth of +498.8% YoY indicates significant business expansion and market activity
- Positive operating cash flow of $441.0M and strong 14.2% free cash flow margin demonstrate ongoing cash generation capability
- Large asset base of $48.7B provides scale and operational footprint in student loan servicing
- Massive YoY revenue growth (+498.8%)
- Positive operating cash flow and FCF with 14.2% margin
- Large asset base ($48.68B) and positive equity
JSM Stock Risks: Navient Corp. Investment Risks
- Extreme leverage with 16.94x debt-to-equity ratio and $40.6B long-term debt relative to $2.4B equity poses critical solvency risk
- Negative profitability across all metrics with operating margin of -3.6% and negative ROE/ROA destroying shareholder value
- Interest coverage ratio of -0.1x indicates company cannot service debt from operations, creating imminent distress potential
- Negative operating and net margins indicate ongoing losses
- Interest coverage of -0.1x implies inability to cover interest from earnings
- Very high leverage (Debt/Equity 16.94x) with modest cash relative to debt
Key Metrics to Watch
- Operating margin trend and path to profitability
- Debt-to-equity ratio and deleveraging progress
- Interest coverage ratio improvement and sustainable debt servicing ability
- Interest coverage
- Operating margin
Navient Corp. (JSM) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
JSM Profit Margin, ROE & Profitability Analysis
JSM vs Finance Sector: How Navient Corp. Compares
How Navient Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Navient Corp. Stock Overvalued? JSM Valuation Analysis 2026
Based on fundamental analysis, Navient Corp. shows some fundamental concerns relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Navient Corp. Balance Sheet: JSM Debt, Cash & Liquidity
JSM Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Navient Corp.'s revenue has declined by 15% over the 5-year period, indicating business contraction. The most recent EPS of $1.85 reflects profitable operations.
JSM Revenue Growth, EPS Growth & YoY Performance
JSM Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2024 | $70.0M | -$2.0M | $-0.02 |
| Q2 2024 | $81.0M | $36.0M | $0.32 |
| Q1 2024 | $72.0M | $73.0M | $0.64 |
| Q3 2023 | $79.0M | $79.0M | $0.65 |
| Q2 2023 | $83.0M | $66.0M | $0.52 |
| Q1 2023 | $72.0M | $111.0M | $0.86 |
| Q3 2022 | $79.0M | $105.0M | $0.75 |
| Q2 2022 | $87.0M | $180.0M | $1.05 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Navient Corp. Dividends, Buybacks & Capital Allocation
JSM SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Navient Corp. (CIK: 0001593538)
📋 Recent SEC Filings
❓ Frequently Asked Questions about JSM
What is the AI rating for JSM?
Navient Corp. (JSM) has a Combined AI Rating of SELL from Claude (STRONG SELL) and ChatGPT (SELL) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are JSM's key strengths?
Claude: Substantial revenue growth of +498.8% YoY indicates significant business expansion and market activity. Positive operating cash flow of $441.0M and strong 14.2% free cash flow margin demonstrate ongoing cash generation capability. ChatGPT: Massive YoY revenue growth (+498.8%). Positive operating cash flow and FCF with 14.2% margin.
What are the risks of investing in JSM?
Claude: Extreme leverage with 16.94x debt-to-equity ratio and $40.6B long-term debt relative to $2.4B equity poses critical solvency risk. Negative profitability across all metrics with operating margin of -3.6% and negative ROE/ROA destroying shareholder value. ChatGPT: Negative operating and net margins indicate ongoing losses. Interest coverage of -0.1x implies inability to cover interest from earnings.
What is JSM's revenue and growth?
Navient Corp. reported revenue of $3.1B.
Does JSM pay dividends?
Navient Corp. pays dividends, with $63.0M distributed to shareholders in the trailing twelve months.
Where can I find JSM SEC filings?
Official SEC filings for Navient Corp. (CIK: 0001593538) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is JSM's EPS?
Navient Corp. has a diluted EPS of $-0.81.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is JSM a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Navient Corp. has a SELL rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is JSM stock overvalued or undervalued?
Valuation metrics for JSM: ROE of -3.3% (sector avg: 12%), net margin of -2.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy JSM stock in 2026?
Our dual AI analysis gives Navient Corp. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is JSM's free cash flow?
Navient Corp.'s operating cash flow is $441.0M, with capital expenditures of N/A. FCF margin is 14.2%.
How does JSM compare to other Finance stocks?
Vs Finance sector averages: Net margin -2.6% (avg: 25%), ROE -3.3% (avg: 12%), current ratio N/A (avg: 1.2).
Is Navient Corp. carrying too much debt?
JSM has a debt-to-equity ratio of 16.94x, which is above the Finance sector average of 2x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.