8-K Announcements
6Apr 29, 2026·SEC
Apr 8, 2026·SEC
Jan 28, 2026·SEC
Navient Corporation SR NT 6% 121543 (JSM) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Navient Corporation SR NT 6% 121543 (JSM) stock price & volume — 10-year historical chart
Navient Corporation SR NT 6% 121543 (JSM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Navient Corporation SR NT 6% 121543 (JSM) EPS & revenue vs analyst estimates — last 4 quarters
| 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 |
Navient Corporation SR NT 6% 121543 (JSM) competitors in Student Loan Lending and Servicing — business model, growth, and fundamentals comparison
Navient Corporation SR NT 6% 121543 (JSM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Navient Corporation SR NT 6% 121543 (JSM) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | -3.49B | -2.05B | -1.32B | 1.12B | -3.56B | -3.27B | -2.59B | -1.92B |
| NII Growth % | - | - | - | 41.34% | 35.68% | 185.18% | -417.31% | 7.98% | 20.9% | 159.34% |
| Net Interest Margin % | 0% | 0% | -3.68% | -2.34% | -1.63% | 1.58% | -5.8% | -6.32% | -5.32% | -3.99% |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 3.22B | 0 | 0 | 0 | 0 |
| Interest Expense | 2.97B | 3.67B | 3.49B | 2.05B | 1.32B | 2.1B | 3.56B | 3.27B | 2.59B | 2.48B |
| Loan Loss Provision | -2B | -2.68B | -2.5B | -1.08B | -109M | -1.66B | -2.76B | -2.96B | -2.44B | -2.35B |
| Non-Interest Income | 4.38B | 4.91B | 4.67B | 3.3B | 2.27B | -1.56B | 1.16B | 3.81B | 3.11B | 3B |
| Non-Interest Income % | 100% | 100% | 100% | 100% | 100% | -94.39% | 100% | 100% | 100% | 100% |
| Total Revenue | 4.38B▲ 0% | 4.91B▲ 12.0% | 4.67B▼ 4.8% | 3.3B▼ 29.4% | 2.27B▼ 31.1% | 1.66B▼ 27.0% | 1.16B▼ 30.3% | 3.81B▲ 229.5% | 3.11B▼ 18.4% | 3B▲ 0% |
| Revenue Growth % | 5.72% | 11.98% | -4.79% | -29.42% | -31.11% | -27.02% | -30.28% | 229.5% | -18.4% | 6041.41% |
| Non-Interest Expense | 966M | 984M | 984M | 964M | 569M | 444M | 401M | 680M | 421M | 383M |
| Efficiency Ratio | 22.04% | 20.05% | 21.06% | 29.23% | 25.04% | 26.78% | 34.69% | 17.85% | 13.55% | 12.77% |
| Operating Income | 292M▲ 0% | 2.94B▲ 906.8% | 2.71B▼ 8.0% | 1.37B▼ 49.4% | 1.7B▲ 24.3% | 1.21B▼ 28.7% | 755M▼ 37.8% | 2.81B▲ 272.6% | 2.54B▼ 9.8% | 2.49B▲ 0% |
| Operating Margin % | 6.66% | 59.9% | 57.89% | 41.54% | 74.96% | 73.22% | 65.31% | 73.85% | 81.66% | 82.87% |
| Operating Income Growth % | -57.12% | 906.85% | -7.99% | -49.35% | 24.31% | -28.71% | -37.81% | 272.58% | -9.78% | - |
| Pretax Income | 764M▲ 0% | 528M▼ 30.9% | 763M▲ 44.5% | 532M▼ 30.3% | 936M▲ 75.9% | 827M▼ 11.6% | 313M▼ 62.2% | 174M▼ 44.4% | -111M▼ 163.8% | -74M▲ 0% |
| Pretax Margin % | 17.43% | 10.76% | 16.33% | 16.13% | 41.2% | 49.88% | 27.08% | 4.57% | -3.57% | -2.47% |
| Income Tax | 472M | 133M | 166M | 120M | 219M | 182M | 85M | 43M | -31M | -13M |
| Effective Tax Rate % | 61.78% | 25.19% | 21.76% | 22.56% | 23.4% | 22.01% | 27.16% | 24.71% | 27.93% | 17.57% |
| Net Income | 292M▲ 0% | 395M▲ 35.3% | 597M▲ 51.1% | 412M▼ 31.0% | 717M▲ 74.0% | 645M▼ 10.0% | 228M▼ 64.7% | 131M▼ 42.5% | -80M▼ 161.1% | -60M▲ 0% |
| Net Margin % | 6.66% | 8.05% | 12.78% | 12.49% | 31.56% | 38.9% | 19.72% | 3.44% | -2.57% | -2% |
| Net Income Growth % | -57.12% | 35.27% | 51.14% | -30.99% | 74.03% | -10.04% | -64.65% | -42.54% | -161.07% | -207.14% |
| Net Income (Continuing) | 292M | 395M | 597M | 412M | 717M | 645M | 228M | 131M | -80M | -60M |
| EPS (Diluted) | 1.04▲ 0% | 1.50▲ 44.2% | 2.56▲ 70.7% | 2.11▼ 17.6% | 4.17▲ 97.6% | 4.48▲ 7.4% | 1.85▼ 58.7% | 1.20▼ 35.1% | -0.82▼ 168.3% | -0.63▲ 0% |
| EPS Growth % | -50.71% | 44.23% | 70.67% | -17.58% | 97.63% | 7.43% | -58.71% | -35.14% | -168.33% | 12.53% |
| EPS (Basic) | 1.04 | 1.50 | 2.56 | 2.12 | 4.18 | 4.49 | 1.85 | 1.20 | -0.82 | - |
| Diluted Shares Outstanding | 281M | 264M | 233M | 195M | 172M | 144M | 123M | 109M | 98M | 95M |
Navient Corporation SR NT 6% 121543 (JSM) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.52B | 1.29B | 1.23B | 1.18B | 905M | 1.53B | 839M | 2.1B | 2.1B | 8.18B |
| Cash & Due from Banks | 1.52B | 1.29B | 1.23B | 1.18B | 905M | 1.53B | 839M | 2.1B | 2.1B | 2.13B |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | -2.98B | 226M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments Growth % | 8.43% | 107.59% | -100% | - | - | - | - | - | - | 0% |
| Long-Term Investments | -2.98B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 810M | 786M | 757M | 735M | 725M | 705M | 695M | 437M | 434M | 430M |
| Goodwill | 702M | 665M | 665M | 665M | 670M | 670M | 670M | 428M | 434M | 430M |
| Intangible Assets | 108M | 121M | 92M | 70M | 55M | 35M | 25M | 9M | 0 | 0 |
| PP&E (Net) | 156M | 136M | 135M | 116M | 95M | 74M | 62M | 0 | 0 | 0 |
| Other Assets | 112.51B | 101.97B | 92.78B | 85.38B | 78.88B | 68.48B | 59.78B | 0 | 0 | 0 |
| Total Current Assets | 1.52B | 1.29B | 1.23B | 1.18B | 905M | 1.53B | 839M | 2.1B | 2.1B | 2.13B |
| Total Non-Current Assets | 113.47B | 102.89B | 93.67B | 86.23B | 79.7B | 69.26B | 60.54B | 437M | 434M | 430M |
| Total Assets | 114.99B▲ 0% | 104.18B▼ 9.4% | 94.9B▼ 8.9% | 87.41B▼ 7.9% | 80.61B▼ 7.8% | 70.8B▼ 12.2% | 61.38B▼ 13.3% | 51.79B▼ 15.6% | 48.68B▼ 6.0% | 48B▲ 0% |
| Asset Growth % | -5.07% | -9.41% | -8.9% | -7.89% | -7.79% | -12.17% | -13.31% | -15.62% | -6% | -30.82% |
| Return on Assets (ROA) | 0.25% | 0.36% | 0.6% | 0.45% | 0.85% | 0.85% | 0.34% | 0.23% | -0.16% | -0.12% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 105.01B | 93.52B | 81.72B | 77.33B | 74.49B | 61.03B | 53.4B | 43.18B | 5.07B | 5.87B |
| Net Debt | 103.49B | 92.23B | 80.48B | 76.15B | 73.58B | 59.49B | 52.56B | 42.46B | 2.97B | 3.74B |
| Long-Term Debt | 105.01B | 93.52B | 81.72B | 77.33B | 74.49B | 61.03B | 53.4B | 43.18B | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.13B | 5.07B | 5.87B |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 987M | 5.96B | 41.21B | 39.76B |
| Total Current Liabilities | 4.77B | 5.42B | 8.48B | 6.61B | 2.49B | 5.87B | 4.23B | 5.13B | 5.07B | 5.87B |
| Total Non-Current Liabilities | 105.01B | 93.52B | 81.72B | 77.33B | 74.49B | 61.03B | 54.39B | 49.15B | 41.21B | 39.76B |
| Total Liabilities | 105.01B | 93.52B | 81.72B | 84.97B | 78B | 67.82B | 58.62B | 49.15B | 46.28B | 45.63B |
| Total Equity | 3.48B▲ 0% | 3.55B▲ 1.8% | 3.35B▼ 5.6% | 2.45B▼ 26.9% | 2.61B▲ 6.6% | 2.98B▲ 14.1% | 2.76B▼ 7.3% | 2.64B▼ 4.3% | 2.4B▼ 9.2% | 2.38B▲ 0% |
| Equity Growth % | -6.39% | 1.78% | -5.58% | -26.93% | 6.58% | 14.15% | -7.29% | -4.31% | -9.16% | -33.44% |
| Equity / Assets (Capital Ratio) | 3.03% | 3.4% | 3.53% | 2.8% | 3.24% | 4.21% | 4.5% | 5.1% | 4.93% | 4.96% |
| Return on Equity (ROE) | 8.1% | 11.23% | 17.31% | 14.22% | 28.37% | 23.1% | 7.95% | 4.85% | -3.17% | -2.45% |
| Book Value per Share | 12.40 | 13.44 | 14.37 | 12.55 | 15.16 | 20.67 | 22.44 | 24.23 | 24.48 | 25.04 |
| Tangible BV per Share | 9.52 | 10.46 | 11.12 | 8.78 | 10.95 | 15.78 | 16.79 | 20.22 | 20.05 | 20.52 |
| Common Stock | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M |
| Additional Paid-in Capital | 3.08B | 3.15B | 3.2B | 3.23B | 3.28B | 3.31B | 3.35B | 3.38B | 0 | 0 |
| Retained Earnings | 3B | 3.22B | 3.66B | 3.33B | 3.94B | 4.49B | 4.64B | 4.7B | 4.55B | 4.55B |
| Accumulated OCI | 61M | 113M | -91M | -274M | -133M | 87M | 19M | 3M | 2M | 5M |
| Treasury Stock | -2.69B | -2.96B | -3.44B | -3.85B | -4.5B | -4.92B | -5.25B | -5.44B | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Navient Corporation SR NT 6% 121543 (JSM) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.16B | 1.14B | 1.02B | 987M | 702M | 305M | 676M | 459M | 441M | 441M |
| Operating CF Growth % | -14.03% | -1.55% | -10.61% | -3.14% | -28.88% | -56.55% | 121.64% | -32.1% | -3.92% | 2653.96% |
| Net Income | 292M | 395M | 597M | 412M | -11M | 105M | 228M | 131M | -80M | -60M |
| Depreciation & Amortization | 23M | 31M | 25M | 21M | 19M | 14M | 10M | 146M | 3M | 6M |
| Deferred Taxes | 0 | 0 | -103M | 0 | -69M | 128M | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 357M | 462M | 339M | 389M | 254M | 65M | 307M | -84M | 497M | 346M |
| Working Capital Changes | 451M | 227M | 136M | 147M | 487M | -26M | 107M | 243M | 0 | 16M |
| Cash from Investing | 7.12B | 10.36B | 7.49B | 6.45B | 6.67B | 10.59B | 7.36B | 8.47B | 2.71B | 2.74B |
| Purchase of Investments | -1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 115M | 7M | 0 | 83M | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | -1M | 115M | 7M | 0 | 83M | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | -184M | 0 | 0 | 0 | -16M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 7.3B | 10.36B | 7.48B | 6.45B | 6.61B | 10.59B | 7.36B | 8.47B | 2.71B | 2.74B |
| Cash from Financing | -8.34B | -10.88B | -9.98B | -7.68B | -7.33B | -9.66B | -10.05B | -9.62B | -3.15B | -2.99B |
| Dividends Paid | -176M | -166M | -147M | -123M | -107M | -91M | -78M | -70M | -63M | -62M |
| Share Repurchases | -440M | -220M | -440M | -400M | -600M | -400M | -310M | -179M | -111M | -99M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -440M | -220M | -440M | -400M | -600M | -400M | -310M | -179M | -111M | -99M |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 0 | -1000K |
| Other Financing | -2.4B | -3B | -1.1B | -2.11B | -1.97B | 1.18B | -93M | -195M | -3.09B | -2.21B |
| Net Change in Cash | -66M▲ 0% | 616M▲ 1033.3% | -1.48B▼ 340.4% | -244M▲ 83.5% | 41M▲ 116.8% | 1.23B▲ 2897.6% | -2.01B▼ 263.9% | -690M▲ 65.7% | 1M▲ 100.1% | 76M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 4.71B | 4.65B | 5.26B | 3.78B | 3.54B | 3.58B | 4.81B | 2.79B | 2.1B | 2.1B |
| Cash at End | 4.65B | 5.26B | 3.78B | 3.54B | 3.58B | 4.81B | 2.79B | 2.1B | 2.1B | 2.13B |
| 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 | 1.16B▲ 0% | 1.14B▼ 1.6% | 1.02B▼ 10.6% | 987M▼ 3.1% | 702M▼ 28.9% | 305M▼ 56.6% | 676M▲ 121.6% | 459M▼ 32.1% | 441M▼ 3.9% | 323M▲ 0% |
| FCF Growth % | -14.03% | -1.55% | -10.61% | -3.14% | -28.88% | -56.55% | 121.64% | -32.1% | -3.92% | -7.18% |
Navient Corporation SR NT 6% 121543 (JSM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.1% | 11.23% | 17.31% | 14.22% | 28.37% | 23.1% | 7.95% | 4.85% | -3.17% | -2.45% |
| Return on Assets (ROA) | 0.25% | 0.36% | 0.6% | 0.45% | 0.85% | 0.85% | 0.34% | 0.23% | -0.16% | -0.12% |
| Net Interest Margin | 0% | 0% | -3.68% | -2.34% | -1.63% | 1.58% | -5.8% | -6.32% | -5.32% | -3.99% |
| Efficiency Ratio | 22.04% | 20.05% | 21.06% | 29.23% | 25.04% | 26.78% | 34.69% | 17.85% | 13.55% | 12.77% |
| Equity / Assets | 3.03% | 3.4% | 3.53% | 2.8% | 3.24% | 4.21% | 4.5% | 5.1% | 4.93% | 4.96% |
| Book Value / Share | 12.4 | 13.44 | 14.37 | 12.55 | 15.16 | 20.67 | 22.44 | 24.23 | 24.48 | 25.04 |
| NII Growth | - | - | - | 41.34% | 35.68% | 185.18% | -417.31% | 7.98% | 20.9% | 37.56% |
| Dividend Payout | 60.27% | 42.03% | 24.62% | 29.85% | 14.92% | 14.11% | 34.21% | 53.44% | - | -53.33% |
Navient Corporation SR NT 6% 121543 (JSM) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 29, 2026·SEC
Apr 8, 2026·SEC
Jan 28, 2026·SEC
Navient Corporation SR NT 6% 121543 (JSM) stock FAQ — growth, dividends, profitability & financials explained
Navient Corporation SR NT 6% 121543 (JSM) saw revenue decline by 18.4% over the past year.
Navient Corporation SR NT 6% 121543 (JSM) reported a net loss of $60.0M for fiscal year 2025.
Yes, Navient Corporation SR NT 6% 121543 (JSM) pays a dividend with a yield of 3.45%. This makes it attractive for income-focused investors.
Navient Corporation SR NT 6% 121543 (JSM) has a return on equity (ROE) of -3.2%. Negative ROE indicates the company is unprofitable.
Navient Corporation SR NT 6% 121543 (JSM) has a net interest margin (NIM) of -5.3%. NIM has been under pressure due to interest rate environment.
Navient Corporation SR NT 6% 121543 (JSM) has an efficiency ratio of 13.5%. This is excellent, indicating strong cost control.
Navient Corporation SR NT 6% 121543 (JSM) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates