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Navient Corporation SR NT 6% 121543(JSM)Earnings, Financials & Key Ratios
JSM•NASDAQ
$17.92
Price updated Jul 7, 2026
AboutNavient Corp. engages in the provision of asset management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. It operates through the following segments: Federal Education Loans, Consumer Lending, Business Processing and Other. The Federal Education Loans segment owns FFELP Loans and performs servicing and asset recovery services on FFELP Loan portfolio. The Consumer Lending segment owns, originates, acquires and services high-quality private education loans. The Business Processing segment engages in the provision of government and healthcare services. The Other segment consists of corporate liquidity portfolio, gains and losses incurred on the repurchase of debt, unallocated expenses of shared services and restructuring/other reorganization expenses. The company was founded in 1973 and is headquartered in Herndon, VA.Show more
- EBITDA$2.54B+16.6%
- Net Income-$80M-161.1%
- EPS (Diluted)-0.82-168.3%
- Gross Margin95.21%+3.8%
- EBITDA Margin81.76%+42.9%
- Operating Margin81.66%+10.6%
- Net Margin-2.57%-174.8%
- ROE-3.17%-165.4%
JSM Price & Volume
Navient Corporation SR NT 6% 121543 (JSM) stock price & volume — 10-year historical chart
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Terminal Portfolio Run-off Pressures Navient Valuation
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Terminal asset portfolio decay
Key Thesis Takeaways
- Navient faces a terminal decline as its legacy FFELP loan portfolio continues to contract, with total assets falling from $61.4 billion in 2023Q4 to $48.0 billion in 2026Q1.
- While the company has aggressively deleveraged its debt from $53.4 billion to $5.9 billion over the same period, the lack of replacement growth and persistent bottom-line volatility suggest significant long-term structural risks.
- Investors should remain cautious as the company continues to prioritize shareholder returns, such as $38 million in combined dividends and buybacks in 2026Q1, despite reporting a $47 million free cash flow deficit.
Verdict Logic
the company's reliance on capital returns despite a $47 million free cash flow deficit in 2026Q1 raises significant concerns regarding the sustainability of its financial position.
JSM Growth Metrics
Navient Corporation SR NT 6% 121543 (JSM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-3.18%
5 Years-1.18%
3 Years23.3%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-207.14%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM12.53%
Return on Capital
10 Years2.43%
5 Years3.22%
3 Years4.09%
Last Year5.62%
JSM Recent Earnings
Navient Corporation SR NT 6% 121543 (JSM) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.18
—
Rev
$695M
—
Q1 2026
Feb 26, 2026Metric
Actual
Est
EPS
$0.05
—
Rev
$746M
—
Q4 2023
Dec 31, 2023Metric
Actual
Est
EPS
$0.23
—
Rev
$1.1B
—
Q4 2023
Sep 30, 2023Metric
Actual
Est
EPS
$0.66
—
Rev
$1.2B
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.18 | $695M |
| Q1 2026 | Feb 26, 2026 | $0.05 | $746M |
| Q4 2023 | Dec 31, 2023 | $0.23 | $1.1B |
| Q4 2023 | Sep 30, 2023 | $0.66 | $1.2B |
Based on last 7 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Navient Corporation SR NT 6% 121543 (JSM)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $17.92 | $4.91B | -21.85 | -18.4% | -2.57% | -3.17% | 3.59% | |
| $8.35 | $784.81M | -10.31 | -23.74% | -1.96% | -2.45% | — | |
| $25.08 | $4.97B | 7.25 | 4.1% | 33.13% | 31.01% | — | |
| $132.75 | $4.77B | 11.46 | 22.56% | 19.52% | 11.7% | — | |
| $17.75 | $22.77B | 45.51 | 28.78% | 11.22% | 6.25% | — | |
| $202.89 | $124.98B | 50.34 | 28.39% | 4.29% | 2.86% | — |
Compare JSM vs Peers
Navient Corporation SR NT 6% 121543 (JSM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
JSM SEC Filings & Documents
Navient Corporation SR NT 6% 121543 (JSM) SEC filings — annual & quarterly reports (10-K, 10-Q)
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JSM Frequently Asked Questions
Navient Corporation SR NT 6% 121543 (JSM) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Navient Corporation SR NT 6% 121543's revenue?
Navient Corporation SR NT 6% 121543 (JSM) reported $3.00B in revenue for fiscal year 2025.
How fast is Navient Corporation SR NT 6% 121543 growing?
Navient Corporation SR NT 6% 121543 (JSM) saw revenue decline by 18.4% over the past year.
Is JSM profitable?
Navient Corporation SR NT 6% 121543 (JSM) reported a net loss of $60.0M for fiscal year 2025.
Dividend & Returns
Does JSM pay dividends?
Yes, Navient Corporation SR NT 6% 121543 (JSM) pays a dividend with a yield of 3.59%. This makes it attractive for income-focused investors.
What is JSM's return on equity?
Navient Corporation SR NT 6% 121543 (JSM) has a return on equity (ROE) of -3.2%. Negative ROE indicates the company is unprofitable.
What is Navient Corporation SR NT 6% 121543's free cash flow?
Navient Corporation SR NT 6% 121543 (JSM) generated $323.0M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.