JSM
Navient Corporation SR NT 6% 121543
Financial - Credit Services
Market Cap$5.11B
5Y Perf.-18.5%
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Stock Comparison
JSM vs NAVI
Revenue, margins, valuation, and 5-year total return — side by side.
NAVI
Navient Corporation
Financial - Credit Services
Market Cap$819M
5Y Perf.+17.1%
JSM vs NAVI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | JSM | NAVI |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $5.11B | $819M |
| Revenue (TTM) | $3.11B | $3.23B |
| Net Income (TTM) | $-60M | $-60M |
| Gross Margin | 95.2% | 87.0% |
| Operating Margin | 81.7% | 77.1% |
| Forward P/E | — | 12.2x |
| Total Debt | $5.07B | $45.71B |
| Cash & Equiv. | $2.10B | $2.10B |
JSM vs NAVI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
JSM
NAVI
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Navient Corporation… (JSM) | 100 | 81.5 | -18.5% |
| Navient Corporation (NAVI) | 100 | 117.1 | +17.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: JSM vs NAVI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: JSM leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and capital preservation and lower volatility. Navient Corporation is the stronger pick specifically for valuation and capital efficiency and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
JSM
Navient Corporation SR NT 6% 121543
The Banking Pick
JSM carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 4 yrs, beta 0.66, yield 3.4%
- Rev growth -18.4%, EPS growth -168.3%
- 69.1% 10Y total return vs NAVI's 15.4%
Best for: income & stability and growth exposure
NAVI
Navient Corporation
The Banking Pick
NAVI is the clearest fit if your priority is value and quality.
- Better valuation composite
- Efficiency ratio 0.1% vs JSM's 0.1% (lower = leaner)
- Efficiency ratio 0.1% vs JSM's 0.1%
Best for: value and quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | JSM | -18.4% NII/revenue growth vs NAVI's -23.7% |
| Value | NAVI | Better valuation composite |
| Quality / Margins | NAVI | Efficiency ratio 0.1% vs JSM's 0.1% (lower = leaner) |
| Stability / Safety | JSM | Beta 0.66 vs NAVI's 0.92, lower leverage |
| Dividends | JSM | 3.4% yield, 4-year raise streak, vs NAVI's 7.3% |
| Momentum (1Y) | JSM | +13.8% vs NAVI's -26.8% |
| Efficiency (ROA) | NAVI | Efficiency ratio 0.1% vs JSM's 0.1% |
JSM vs NAVI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
JSM vs NAVI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLJSMLAGGINGNAVI
NAVINavient Corporation
1leads
JSMNavient Corporation S…
4leads
6 Total Categories
CATEGORYLEADERvs NAVIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
JSM3/5
Valuation MetricsMultiples, price ratios, and targets
NAVI3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
JSM7/7
Total Returns1Y, 3Y, 5Y total returns with dividends
JSM6/6
Risk & VolatilityBeta, volatility, and downside exposure
JSM2/2
Analyst OutlookRatings, price targets, and dividends
Tied
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Income & Cash Flow (Last 12 Months)
JSM leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NAVI and JSM operate at a comparable scale, with $3.2B and $3.1B in trailing revenue. Profitability is closely matched — net margins range from -2.5% (NAVI) to -2.6% (JSM).
| Metric | JSMNavient Corporati… | NAVINavient Corporati… |
|---|---|---|
| RevenueTrailing 12 months | $3.1B | $3.2B |
| EBITDAEarnings before interest/tax | $2.4B | $544M |
| Net IncomeAfter-tax profit | -$60M | -$60M |
| Free Cash FlowCash after capex | $323M | $323M |
| Gross MarginGross profit ÷ Revenue | +95.2% | +87.0% |
| Operating MarginEBIT ÷ Revenue | +81.7% | +77.1% |
| Net MarginNet income ÷ Revenue | -2.6% | -2.5% |
| FCF MarginFCF ÷ Revenue | +14.2% | +13.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +9.5% | +9.7% |
JSM leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
NAVI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, JSM's 3.2x EV/EBITDA is more attractive than NAVI's 17.8x.
| Metric | JSMNavient Corporati… | NAVINavient Corporati… |
|---|---|---|
| Market CapShares × price | $5.1B | $819M |
| Enterprise ValueMkt cap + debt − cash | $8.1B | $44.4B |
| Trailing P/EPrice ÷ TTM EPS | -22.76x | -10.75x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 12.18x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 3.18x | 17.81x |
| Price / SalesMarket cap ÷ Revenue | 1.65x | 0.25x |
| Price / BookPrice ÷ Book value/share | 0.76x | 0.36x |
| Price / FCFMarket cap ÷ FCF | 11.60x | 1.86x |
NAVI leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
JSM leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
JSM delivers a -2.5% return on equity — every $100 of shareholder capital generates $-2 in annual profit, vs $-2 for NAVI. JSM carries lower financial leverage with a 2.11x debt-to-equity ratio, signaling a more conservative balance sheet compared to NAVI's 19.05x. On the Piotroski fundamental quality scale (0–9), JSM scores 6/9 vs NAVI's 5/9, reflecting solid financial health.
| Metric | JSMNavient Corporati… | NAVINavient Corporati… |
|---|---|---|
| ROE (TTM)Return on equity | -2.5% | -2.5% |
| ROA (TTM)Return on assets | -0.1% | -0.1% |
| ROICReturn on invested capital | +7.1% | +3.8% |
| ROCEReturn on capital employed | +5.6% | +5.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 2.11x | 19.05x |
| Net DebtTotal debt minus cash | $3.0B | $43.6B |
| Cash & Equiv.Liquid assets | $2.1B | $2.1B |
| Total DebtShort + long-term debt | $5.1B | $45.7B |
| Interest CoverageEBIT ÷ Interest expense | 0.48x | 0.21x |
JSM leads this category, winning 7 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
JSM leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in JSM five years ago would be worth $10,526 today (with dividends reinvested), compared to $7,056 for NAVI. Over the past 12 months, JSM leads with a +13.8% total return vs NAVI's -26.8%. The 3-year compound annual growth rate (CAGR) favors JSM at 7.4% vs NAVI's -10.9% — a key indicator of consistent wealth creation.
| Metric | JSMNavient Corporati… | NAVINavient Corporati… |
|---|---|---|
| YTD ReturnYear-to-date | -5.5% | -30.6% |
| 1-Year ReturnPast 12 months | +13.8% | -26.8% |
| 3-Year ReturnCumulative with dividends | +23.9% | -29.3% |
| 5-Year ReturnCumulative with dividends | +5.3% | -29.4% |
| 10-Year ReturnCumulative with dividends | +69.1% | +15.4% |
| CAGR (3Y)Annualised 3-year return | +7.4% | -10.9% |
JSM leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
JSM leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
JSM is the less volatile stock with a 0.66 beta — it tends to amplify market swings less than NAVI's 0.92 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. JSM currently trades 90.4% from its 52-week high vs NAVI's 54.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | JSMNavient Corporati… | NAVINavient Corporati… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.66x | 0.92x |
| 52-Week HighHighest price in past year | $20.65 | $16.07 |
| 52-Week LowLowest price in past year | $8.30 | $7.80 |
| % of 52W HighCurrent price vs 52-week peak | +90.4% | +54.2% |
| RSI (14)Momentum oscillator 0–100 | 60.2 | 54.3 |
| Avg Volume (50D)Average daily shares traded | 17K | 928K |
JSM leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — JSM and NAVI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates JSM as "Hold" and NAVI as "Hold". Consensus price targets imply -0.5% upside for NAVI (target: $9) vs -6.2% for JSM (target: $18). For income investors, NAVI offers the higher dividend yield at 7.31% vs JSM's 3.45%.
| Metric | JSMNavient Corporati… | NAVINavient Corporati… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $17.50 | $8.67 |
| # AnalystsCovering analysts | 2 | 24 |
| Dividend YieldAnnual dividend ÷ price | +3.4% | +7.3% |
| Dividend StreakConsecutive years of raises | 4 | 1 |
| Dividend / ShareAnnual DPS | $0.64 | $0.64 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.2% | +13.6% |
Evenly matched — JSM and NAVI each lead in 1 of 2 comparable metrics.
Key Takeaway
JSM leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). NAVI leads in 1 (Valuation Metrics). 1 tied.
Best OverallNavient Corporation SR NT 6… (JSM)Leads 4 of 6 categories
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JSM vs NAVI: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is JSM or NAVI a better buy right now?
For growth investors, Navient Corporation SR NT 6% 121543 (JSM) is the stronger pick with -18.
4% revenue growth year-over-year, versus -23. 7% for Navient Corporation (NAVI). Analysts rate Navient Corporation SR NT 6% 121543 (JSM) a "Hold" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — JSM or NAVI?
Over the past 5 years, Navient Corporation SR NT 6% 121543 (JSM) delivered a total return of +5.
3%, compared to -29. 4% for Navient Corporation (NAVI). Over 10 years, the gap is even starker: JSM returned +69. 1% versus NAVI's +15. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — JSM or NAVI?
By beta (market sensitivity over 5 years), Navient Corporation SR NT 6% 121543 (JSM) is the lower-risk stock at 0.
66β versus Navient Corporation's 0. 92β — meaning NAVI is approximately 40% more volatile than JSM relative to the S&P 500. On balance sheet safety, Navient Corporation SR NT 6% 121543 (JSM) carries a lower debt/equity ratio of 2% versus 19% for Navient Corporation — giving it more financial flexibility in a downturn.
04Which is growing faster — JSM or NAVI?
By revenue growth (latest reported year), Navient Corporation SR NT 6% 121543 (JSM) is pulling ahead at -18.
4% versus -23. 7% for Navient Corporation (NAVI). On earnings-per-share growth, the picture is similar: Navient Corporation SR NT 6% 121543 grew EPS -168. 3% year-over-year, compared to -168. 6% for Navient Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — JSM or NAVI?
Navient Corporation (NAVI) is the more profitable company, earning -2.
5% net margin versus -2. 6% for Navient Corporation SR NT 6% 121543 — meaning it keeps -2. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JSM leads at 81. 7% versus 77. 1% for NAVI. At the gross margin level — before operating expenses — JSM leads at 95. 2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is JSM or NAVI more undervalued right now?
Analyst consensus price targets imply the most upside for NAVI: -0.
5% to $8. 67.
07Which pays a better dividend — JSM or NAVI?
All stocks in this comparison pay dividends.
Navient Corporation (NAVI) offers the highest yield at 7. 3%, versus 3. 4% for Navient Corporation SR NT 6% 121543 (JSM).
08Is JSM or NAVI better for a retirement portfolio?
For long-horizon retirement investors, Navient Corporation SR NT 6% 121543 (JSM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
66), 3. 4% yield). Both have compounded well over 10 years (JSM: +69. 1%, NAVI: +15. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between JSM and NAVI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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