Navient Corporation SR NT 6% 121543 (JSM) 10-Year Financial Performance & Capital Metrics

JSM • • Banking & Credit

Financial ServicesCredit ServicesStudent Loan Lending and Servicing

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

Net Interest Income -$3.27B +8.0%
Total Revenue $3.81B +229.5%
Net Income $131M -42.5%
Return on Equity 4.85% -39.0%
Net Interest Margin -6.32% -9.0%
Efficiency Ratio 17.85% -48.5%
ROA 0.23% -32.9%
Equity / Assets 5.1% +13.4%
Book Value per Share 24.23 +8.0%
Tangible BV/Share 20.22 +20.4%
Debt/Equity 16.35 -15.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 8/9
✓Efficient operations: 17.9% efficiency ratio
✓Healthy dividend yield of 3.3%
✓Share count reduced 11.4% through buybacks
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 0.8x book value

✗Weaknesses

✗High debt to equity ratio of 16.4x
✗Profits declining 26.2% over 5 years
✗Weak NIM of -6.3%
✗Thin capital base

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-2.14%

5Y-4.01%

3Y12.88%

TTM-

Profit (Net Income) CAGR

10Y-19.39%

5Y-26.17%

3Y-43.26%

TTM-163.29%

EPS CAGR

10Y-7.65%

5Y-14.06%

3Y-33.98%

TTM-348.04%

ROCE

10Y Avg2.18%

5Y Avg2.91%

3Y Avg3.58%

Latest5.42%

Peer Comparison

Student Loan Lending and Servicing

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
SOFISoFi Technologies, Inc.	21.39B	17.76	45.54	27.82%	13.46%	7.29%		0.49
JSMNavient Corporation SR NT 6% 121543	5.31B	19.37	16.14	229.5%	3.44%	-2.05%	8.65%	16.35
NAVINavient Corporation	840.97M	8.79	7.45	-12.45%	3.09%	-2.05%	54.58%	18.43
SLMSLM Corporation	3.73B	18.74	6.99	5.21%	20.36%	26.62%		2.98
NNINelnet, Inc.	1.37B	129.46		-55.5%	32.4%	27.31%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	0	0	0	-3.49B	-2.05B	-1.32B	1.12B	-3.56B	-3.27B
NII Growth %	-	-	-	-	-	41.34%	35.68%	185.18%	-417.31%	7.98%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	0	0	0	0	0	0	3.22B	0	0
Interest Expense	2.07B	2.44B	2.97B	3.67B	3.49B	2.05B	1.32B	2.1B	3.56B	3.27B
Loan Loss Provision	-1.16B	-1.49B	-2B	-2.68B	-2.5B	-1.08B	-109M	-1.66B	-2.76B	-2.96B
Non-Interest Income+	4.29B	4.15B	4.38B	4.91B	4.67B	3.3B	2.65B	0	1.16B	3.81B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	4.29B	4.15B	4.38B	4.91B	4.67B	3.3B	2.65B	3.22B	1.16B	3.81B
Revenue Growth %	-9.2%	-3.47%	5.72%	11.98%	-4.79%	-29.42%	-19.71%	21.71%	-64.13%	229.5%
Non-Interest Expense	918M	951M	966M	984M	984M	964M	569M	444M	401M	680M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	996M	681M	292M	2.94B	2.71B	1.37B	1.7B	2.93B	755M	2.81B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-13.32%	-31.63%	-57.12%	906.85%	-7.99%	-49.35%	24.31%	71.99%	-74.22%	272.58%
Pretax Income+	1.58B	1.11B	764M	528M	763M	532M	936M	827M	313M	174M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	597M	427M	472M	133M	166M	120M	219M	182M	85M	43M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	983M	681M	292M	395M	597M	412M	717M	645M	228M	131M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-13.09%	-30.72%	-57.12%	35.27%	51.14%	-30.99%	74.03%	-10.04%	-64.65%	-42.54%
Net Income (Continuing)	983M	681M	292M	395M	597M	412M	717M	645M	228M	131M
EPS (Diluted)+	2.57	2.11	1.04	1.50	2.56	2.11	4.17	4.48	1.85	1.20
EPS Growth %	-3.38%	-17.9%	-50.71%	44.23%	70.67%	-17.58%	97.63%	7.43%	-58.71%	-35.14%
EPS (Basic)	2.58	2.12	1.04	1.50	2.56	2.12	4.18	4.49	1.85	1.20
Diluted Shares Outstanding	382M	322M	281M	264M	233M	195M	172M	144M	123M	109M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1.59B	1.25B	1.52B	1.29B	1.23B	1.18B	905M	1.53B	839M	2.1B
Cash & Due from Banks	1.59B	1.25B	1.52B	1.29B	1.23B	1.18B	905M	1.53B	839M	2.1B
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	-3.24B	-3.25B	-2.98B	226M	0	0	0	0	0	0
Investments Growth %	1.7%	-0.4%	8.43%	107.59%	-100%	-	-	-	-	-
Long-Term Investments	-3.24B	-3.25B	-2.98B	0	0	0	0	0	0	0
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	551M	546M	702M	665M	665M	665M	670M	670M	670M	428M
Intangible Assets	154M	124M	108M	121M	92M	70M	55M	35M	25M	9M
PP&E (Net)	162M	160M	156M	136M	135M	116M	95M	74M	62M	0
Other Assets	131.59B	119.05B	112.51B	101.97B	92.78B	85.38B	78.88B	68.48B	59.78B	0
Total Current Assets	1.59B	1.25B	1.52B	1.29B	1.23B	1.18B	905M	1.53B	839M	2.1B
Total Non-Current Assets	132.45B	119.88B	113.47B	102.89B	93.67B	86.23B	79.7B	69.26B	60.54B	437M
Total Assets+	134.05B	121.14B	114.99B	104.18B	94.9B	87.41B	80.61B	70.8B	61.38B	51.79B
Asset Growth %	-8.41%	-9.63%	-5.07%	-9.41%	-8.9%	-7.89%	-7.79%	-12.17%	-13.31%	-15.62%
Return on Assets (ROA)	0.7%	0.53%	0.25%	0.36%	0.6%	0.45%	0.85%	0.85%	0.34%	0.23%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	124.83B	112.37B	105.01B	93.52B	81.72B	77.33B	74.49B	61.03B	53.4B	43.18B
Net Debt	123.24B	111.11B	103.49B	92.23B	80.48B	76.15B	73.58B	59.49B	52.56B	3.03B
Long-Term Debt	124.83B	112.37B	105.01B	93.52B	81.72B	77.33B	74.49B	61.03B	53.4B	43.18B
Short-Term Debt	0	0	0	0	0	0	0	0	0	5.13B
Other Liabilities	0	0	0	0	0	0	0	0	987M	5.96B
Total Current Liabilities	2.57B	2.33B	4.77B	5.42B	8.48B	6.61B	2.49B	5.87B	4.23B	5.13B
Total Non-Current Liabilities	124.83B	112.37B	105.01B	93.52B	81.72B	77.33B	74.49B	61.03B	54.39B	49.15B
Total Liabilities	124.83B	112.37B	105.01B	93.52B	81.72B	84.97B	78B	67.82B	58.62B	49.15B
Total Equity+	3.93B	3.72B	3.48B	3.55B	3.35B	2.45B	2.61B	2.98B	2.76B	2.64B
Equity Growth %	-6.31%	-5.34%	-6.39%	1.78%	-5.58%	-26.93%	6.58%	14.15%	-7.29%	-4.31%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	24.18%	17.79%	8.1%	11.23%	17.31%	14.22%	28.37%	23.1%	7.95%	4.85%
Book Value per Share	10.30	11.56	12.40	13.44	14.37	12.55	15.16	20.67	22.44	24.23
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	4M	4M	4M	4M	4M	4M	4M	4M	4M	4M
Additional Paid-in Capital	2.97B	3.02B	3.08B	3.15B	3.2B	3.23B	3.28B	3.31B	3.35B	3.38B
Retained Earnings	2.41B	2.89B	3B	3.22B	3.66B	3.33B	3.94B	4.49B	4.64B	4.7B
Accumulated OCI	-51M	6M	61M	113M	-91M	-274M	-133M	87M	19M	3M
Treasury Stock	-1.43B	-2.22B	-2.69B	-2.96B	-3.44B	-3.85B	-4.5B	-4.92B	-5.25B	-5.44B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.91B	1.35B	1.16B	1.14B	1.02B	987M	702M	305M	676M	459M
Operating CF Growth %	14.78%	-29.48%	-14.03%	-1.55%	-10.61%	-3.14%	-28.88%	-56.55%	121.64%	-32.1%
Net Income	984M	681M	292M	395M	597M	412M	-11M	105M	228M	131M
Depreciation & Amortization	12M	29M	23M	31M	25M	21M	19M	14M	10M	146M
Deferred Taxes	0	0	0	0	-103M	0	-69M	128M	0	0
Other Non-Cash Items	-263M	15M	357M	462M	339M	389M	254M	65M	307M	-84M
Working Capital Changes	1.15B	596M	451M	227M	136M	147M	487M	-26M	107M	243M
Cash from Investing+	10.69B	11.28B	7.12B	10.36B	7.49B	6.45B	6.67B	10.59B	7.36B	8.47B
Purchase of Investments	-187M	-44M	-1M	0	0	0	0	0	0	0
Sale/Maturity of Investments	1000K	1000K	0	1000K	1000K	0	1000K	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-342M	0	-184M	0	0	0	-16M	0	0	0
Other Investing	11.03B	11.28B	7.3B	10.36B	7.48B	6.45B	6.61B	10.59B	7.36B	8.47B
Cash from Financing+	-12.45B	-13.1B	-8.34B	-10.88B	-9.98B	-7.68B	-7.33B	-9.66B	-10.05B	-9.62B
Dividends Paid	-240M	-201M	-176M	-166M	-147M	-123M	-107M	-91M	-78M	-70M
Share Repurchases	-945M	-755M	-440M	-220M	-440M	-400M	-600M	-400M	-310M	-179M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K
Other Financing	729M	-4.24B	-2.4B	-3B	-1.1B	-2.11B	-1.97B	1.18B	-93M	-195M
Net Change in Cash+	151M	3.12B	-66M	616M	-1.48B	-244M	41M	1.23B	-2.01B	-690M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	1.44B	1.59B	4.71B	4.65B	5.26B	3.78B	3.54B	3.58B	4.81B	2.79B
Cash at End	1.59B	4.71B	4.65B	5.26B	3.78B	3.54B	3.58B	4.81B	2.79B	2.1B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	1.91B	1.35B	1.16B	1.14B	1.02B	987M	702M	305M	676M	459M
FCF Growth %	14.78%	-29.48%	-14.03%	-1.55%	-10.61%	-3.14%	-28.88%	-56.55%	121.64%	-32.1%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	24.18%	17.79%	8.1%	11.23%	17.31%	14.22%	28.37%	23.1%	7.95%	4.85%
Return on Assets (ROA)	0.7%	0.53%	0.25%	0.36%	0.6%	0.45%	0.85%	0.85%	0.34%	0.23%
Net Interest Margin	0%	0%	0%	0%	-3.68%	-2.34%	-1.63%	1.58%	-5.8%	-6.32%
Efficiency Ratio	21.37%	22.94%	22.04%	20.05%	21.06%	29.23%	21.49%	13.78%	34.69%	17.85%
Equity / Assets	2.93%	3.07%	3.03%	3.4%	3.53%	2.8%	3.24%	4.21%	4.5%	5.1%
Book Value / Share	10.3	11.56	12.4	13.44	14.37	12.55	15.16	20.67	22.44	24.23
NII Growth	-	-	-	-	-	41.34%	35.68%	185.18%	-417.31%	7.98%
Dividend Payout	24.42%	29.52%	60.27%	42.03%	24.62%	29.85%	14.92%	14.11%	34.21%	53.44%

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Navient Corporation SR NT 6% 121543 (JSM) 10-Year Financial Performance & Capital Metrics

JSM • • Banking & Credit

Financial ServicesCredit ServicesStudent Loan Lending and Servicing

Net Interest Income -$3.27B +8.0%
Total Revenue $3.81B +229.5%
Net Income $131M -42.5%
Return on Equity 4.85% -39.0%
Net Interest Margin -6.32% -9.0%
Efficiency Ratio 17.85% -48.5%
ROA 0.23% -32.9%
Equity / Assets 5.1% +13.4%
Book Value per Share 24.23 +8.0%
Tangible BV/Share 20.22 +20.4%
Debt/Equity 16.35 -15.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 8/9
✓Efficient operations: 17.9% efficiency ratio
✓Healthy dividend yield of 3.3%
✓Share count reduced 11.4% through buybacks
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 0.8x book value

✗Weaknesses

✗High debt to equity ratio of 16.4x
✗Profits declining 26.2% over 5 years
✗Weak NIM of -6.3%
✗Thin capital base

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-2.14%

5Y-4.01%

3Y12.88%

TTM-

Profit (Net Income) CAGR

10Y-19.39%

5Y-26.17%

3Y-43.26%

TTM-163.29%

EPS CAGR

10Y-7.65%

5Y-14.06%

3Y-33.98%

TTM-348.04%

ROCE

10Y Avg2.18%

5Y Avg2.91%

3Y Avg3.58%

Latest5.42%

Peer Comparison

Student Loan Lending and Servicing

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
SOFISoFi Technologies, Inc.	21.39B	17.76	45.54	27.82%	13.46%	7.29%		0.49
JSMNavient Corporation SR NT 6% 121543	5.31B	19.37	16.14	229.5%	3.44%	-2.05%	8.65%	16.35
NAVINavient Corporation	840.97M	8.79	7.45	-12.45%	3.09%	-2.05%	54.58%	18.43
SLMSLM Corporation	3.73B	18.74	6.99	5.21%	20.36%	26.62%		2.98
NNINelnet, Inc.	1.37B	129.46		-55.5%	32.4%	27.31%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	0	0	0	-3.49B	-2.05B	-1.32B	1.12B	-3.56B	-3.27B
NII Growth %	-	-	-	-	-	41.34%	35.68%	185.18%	-417.31%	7.98%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	0	0	0	0	0	0	3.22B	0	0
Interest Expense	2.07B	2.44B	2.97B	3.67B	3.49B	2.05B	1.32B	2.1B	3.56B	3.27B
Loan Loss Provision	-1.16B	-1.49B	-2B	-2.68B	-2.5B	-1.08B	-109M	-1.66B	-2.76B	-2.96B
Non-Interest Income+	4.29B	4.15B	4.38B	4.91B	4.67B	3.3B	2.65B	0	1.16B	3.81B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	4.29B	4.15B	4.38B	4.91B	4.67B	3.3B	2.65B	3.22B	1.16B	3.81B
Revenue Growth %	-9.2%	-3.47%	5.72%	11.98%	-4.79%	-29.42%	-19.71%	21.71%	-64.13%	229.5%
Non-Interest Expense	918M	951M	966M	984M	984M	964M	569M	444M	401M	680M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	996M	681M	292M	2.94B	2.71B	1.37B	1.7B	2.93B	755M	2.81B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-13.32%	-31.63%	-57.12%	906.85%	-7.99%	-49.35%	24.31%	71.99%	-74.22%	272.58%
Pretax Income+	1.58B	1.11B	764M	528M	763M	532M	936M	827M	313M	174M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	597M	427M	472M	133M	166M	120M	219M	182M	85M	43M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	983M	681M	292M	395M	597M	412M	717M	645M	228M	131M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-13.09%	-30.72%	-57.12%	35.27%	51.14%	-30.99%	74.03%	-10.04%	-64.65%	-42.54%
Net Income (Continuing)	983M	681M	292M	395M	597M	412M	717M	645M	228M	131M
EPS (Diluted)+	2.57	2.11	1.04	1.50	2.56	2.11	4.17	4.48	1.85	1.20
EPS Growth %	-3.38%	-17.9%	-50.71%	44.23%	70.67%	-17.58%	97.63%	7.43%	-58.71%	-35.14%
EPS (Basic)	2.58	2.12	1.04	1.50	2.56	2.12	4.18	4.49	1.85	1.20
Diluted Shares Outstanding	382M	322M	281M	264M	233M	195M	172M	144M	123M	109M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1.59B	1.25B	1.52B	1.29B	1.23B	1.18B	905M	1.53B	839M	2.1B
Cash & Due from Banks	1.59B	1.25B	1.52B	1.29B	1.23B	1.18B	905M	1.53B	839M	2.1B
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	-3.24B	-3.25B	-2.98B	226M	0	0	0	0	0	0
Investments Growth %	1.7%	-0.4%	8.43%	107.59%	-100%	-	-	-	-	-
Long-Term Investments	-3.24B	-3.25B	-2.98B	0	0	0	0	0	0	0
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	551M	546M	702M	665M	665M	665M	670M	670M	670M	428M
Intangible Assets	154M	124M	108M	121M	92M	70M	55M	35M	25M	9M
PP&E (Net)	162M	160M	156M	136M	135M	116M	95M	74M	62M	0
Other Assets	131.59B	119.05B	112.51B	101.97B	92.78B	85.38B	78.88B	68.48B	59.78B	0
Total Current Assets	1.59B	1.25B	1.52B	1.29B	1.23B	1.18B	905M	1.53B	839M	2.1B
Total Non-Current Assets	132.45B	119.88B	113.47B	102.89B	93.67B	86.23B	79.7B	69.26B	60.54B	437M
Total Assets+	134.05B	121.14B	114.99B	104.18B	94.9B	87.41B	80.61B	70.8B	61.38B	51.79B
Asset Growth %	-8.41%	-9.63%	-5.07%	-9.41%	-8.9%	-7.89%	-7.79%	-12.17%	-13.31%	-15.62%
Return on Assets (ROA)	0.7%	0.53%	0.25%	0.36%	0.6%	0.45%	0.85%	0.85%	0.34%	0.23%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	124.83B	112.37B	105.01B	93.52B	81.72B	77.33B	74.49B	61.03B	53.4B	43.18B
Net Debt	123.24B	111.11B	103.49B	92.23B	80.48B	76.15B	73.58B	59.49B	52.56B	3.03B
Long-Term Debt	124.83B	112.37B	105.01B	93.52B	81.72B	77.33B	74.49B	61.03B	53.4B	43.18B
Short-Term Debt	0	0	0	0	0	0	0	0	0	5.13B
Other Liabilities	0	0	0	0	0	0	0	0	987M	5.96B
Total Current Liabilities	2.57B	2.33B	4.77B	5.42B	8.48B	6.61B	2.49B	5.87B	4.23B	5.13B
Total Non-Current Liabilities	124.83B	112.37B	105.01B	93.52B	81.72B	77.33B	74.49B	61.03B	54.39B	49.15B
Total Liabilities	124.83B	112.37B	105.01B	93.52B	81.72B	84.97B	78B	67.82B	58.62B	49.15B
Total Equity+	3.93B	3.72B	3.48B	3.55B	3.35B	2.45B	2.61B	2.98B	2.76B	2.64B
Equity Growth %	-6.31%	-5.34%	-6.39%	1.78%	-5.58%	-26.93%	6.58%	14.15%	-7.29%	-4.31%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	24.18%	17.79%	8.1%	11.23%	17.31%	14.22%	28.37%	23.1%	7.95%	4.85%
Book Value per Share	10.30	11.56	12.40	13.44	14.37	12.55	15.16	20.67	22.44	24.23
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	4M	4M	4M	4M	4M	4M	4M	4M	4M	4M
Additional Paid-in Capital	2.97B	3.02B	3.08B	3.15B	3.2B	3.23B	3.28B	3.31B	3.35B	3.38B
Retained Earnings	2.41B	2.89B	3B	3.22B	3.66B	3.33B	3.94B	4.49B	4.64B	4.7B
Accumulated OCI	-51M	6M	61M	113M	-91M	-274M	-133M	87M	19M	3M
Treasury Stock	-1.43B	-2.22B	-2.69B	-2.96B	-3.44B	-3.85B	-4.5B	-4.92B	-5.25B	-5.44B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	1.91B	1.35B	1.16B	1.14B	1.02B	987M	702M	305M	676M	459M
Operating CF Growth %	14.78%	-29.48%	-14.03%	-1.55%	-10.61%	-3.14%	-28.88%	-56.55%	121.64%	-32.1%
Net Income	984M	681M	292M	395M	597M	412M	-11M	105M	228M	131M
Depreciation & Amortization	12M	29M	23M	31M	25M	21M	19M	14M	10M	146M
Deferred Taxes	0	0	0	0	-103M	0	-69M	128M	0	0
Other Non-Cash Items	-263M	15M	357M	462M	339M	389M	254M	65M	307M	-84M
Working Capital Changes	1.15B	596M	451M	227M	136M	147M	487M	-26M	107M	243M
Cash from Investing+	10.69B	11.28B	7.12B	10.36B	7.49B	6.45B	6.67B	10.59B	7.36B	8.47B
Purchase of Investments	-187M	-44M	-1M	0	0	0	0	0	0	0
Sale/Maturity of Investments	1000K	1000K	0	1000K	1000K	0	1000K	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-342M	0	-184M	0	0	0	-16M	0	0	0
Other Investing	11.03B	11.28B	7.3B	10.36B	7.48B	6.45B	6.61B	10.59B	7.36B	8.47B
Cash from Financing+	-12.45B	-13.1B	-8.34B	-10.88B	-9.98B	-7.68B	-7.33B	-9.66B	-10.05B	-9.62B
Dividends Paid	-240M	-201M	-176M	-166M	-147M	-123M	-107M	-91M	-78M	-70M
Share Repurchases	-945M	-755M	-440M	-220M	-440M	-400M	-600M	-400M	-310M	-179M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K
Other Financing	729M	-4.24B	-2.4B	-3B	-1.1B	-2.11B	-1.97B	1.18B	-93M	-195M
Net Change in Cash+	151M	3.12B	-66M	616M	-1.48B	-244M	41M	1.23B	-2.01B	-690M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	1.44B	1.59B	4.71B	4.65B	5.26B	3.78B	3.54B	3.58B	4.81B	2.79B
Cash at End	1.59B	4.71B	4.65B	5.26B	3.78B	3.54B	3.58B	4.81B	2.79B	2.1B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	1.91B	1.35B	1.16B	1.14B	1.02B	987M	702M	305M	676M	459M
FCF Growth %	14.78%	-29.48%	-14.03%	-1.55%	-10.61%	-3.14%	-28.88%	-56.55%	121.64%	-32.1%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	24.18%	17.79%	8.1%	11.23%	17.31%	14.22%	28.37%	23.1%	7.95%	4.85%
Return on Assets (ROA)	0.7%	0.53%	0.25%	0.36%	0.6%	0.45%	0.85%	0.85%	0.34%	0.23%
Net Interest Margin	0%	0%	0%	0%	-3.68%	-2.34%	-1.63%	1.58%	-5.8%	-6.32%
Efficiency Ratio	21.37%	22.94%	22.04%	20.05%	21.06%	29.23%	21.49%	13.78%	34.69%	17.85%
Equity / Assets	2.93%	3.07%	3.03%	3.4%	3.53%	2.8%	3.24%	4.21%	4.5%	5.1%
Book Value / Share	10.3	11.56	12.4	13.44	14.37	12.55	15.16	20.67	22.44	24.23
NII Growth	-	-	-	-	-	41.34%	35.68%	185.18%	-417.31%	7.98%
Dividend Payout	24.42%	29.52%	60.27%	42.03%	24.62%	29.85%	14.92%	14.11%	34.21%	53.44%

Navient Corporation SR NT 6% 121543 (JSM) 10-Year Financial Performance & Capital Metrics

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Navient Corporation SR NT 6% 121543 (JSM) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare JSM vs Peers

vs SOFI

vs SLM

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios