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JSM logoNavient Corporation SR NT 6% 121543(JSM)Earnings, Financials & Key Ratios

JSM•NASDAQ•Banking & Credit
$18.66
$5.11B mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryStudent 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-$2.59B+20.9%
  • Total Revenue$3.11B-18.4%
  • Net Income-$80M-161.1%
  • Return on Equity-3.17%-165.4%
  • Net Interest Margin-5.32%+15.8%
  • Efficiency Ratio13.55%-24.1%
  • ROA-0.16%-168.8%
  • Equity / Assets4.93%-3.4%
  • Book Value per Share24.48+1.0%
  • Tangible BV/Share20.05-0.8%
  • Debt/Equity2.11-87.1%
Technical→

JSM Key Insights

Navient Corporation SR NT 6% 121543 (JSM) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 13.5% efficiency ratio
  • ✓Momentum leader: RS Rating 88 (top 12%)
  • ✓Healthy dividend yield of 3.4%
  • ✓Share count reduced 10.1% through buybacks
  • ✓Diversified revenue: 100.0% from non-interest income
  • ✓Trading at only 0.8x book value

✗Weaknesses

  • ✗High debt to equity ratio of 2.1x
  • ✗Weak 3Y average ROE of 3.2%
  • ✗Weak NIM of -5.3%
  • ✗Thin capital base

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

JSM Price & Volume

Navient Corporation SR NT 6% 121543 (JSM) stock price & volume — 10-year historical chart

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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

Full history →
Q2 2026Latest
Apr 28, 2026
EPS
$0.18
Revenue
$695M
Q1 2026
Feb 26, 2026
EPS
$0.05
Revenue
$746M
Q4 2023
Dec 31, 2023
EPS
$0.23
Revenue
$1.1B
Q4 2023
Sep 30, 2023
EPS
$0.66
Revenue
$1.2B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.18
$695M
Q1 2026Feb 26, 2026
$0.05
$746M
Q4 2023Dec 31, 2023
$0.23
$1.1B
Q4 2023Sep 30, 2023
$0.66
$1.2B
Based on last 7 quarters of dataView full earnings history →

JSM Peer Comparison

Navient Corporation SR NT 6% 121543 (JSM) competitors in Student Loan Lending and Servicing — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NAVI logoNAVINavient CorporationDirect Competitor818.65M8.71-10.75-23.74%-2.48%-2.45%53.87%19.05
SLM logoSLMSLM CorporationDirect Competitor4.47B22.546.514.1%23.95%31.01%12.89%2.39
NNI logoNNINelnet, Inc.Direct Competitor1.49B140.78-55.5%32.4%27.31%
SOFI logoSOFISoFi Technologies, Inc.Product Competitor20.43B16.0241.0828.78%10.09%5.87%0.17
COF logoCOFCapital One Financial CorporationProduct Competitor117.42B189.6847.0728.39%3.54%2.44%22.26%0.45
PFSI logoPFSIPennyMac Financial Services, Inc.Supply Chain4.56B87.489.41173.81%11.48%12.02%5.35
TREE logoTREELendingTree, Inc.Supply Chain562.82M40.623.7724.12%13.54%85.96%10.78%1.52
WRLD logoWRLDWorld Acceptance CorporationSupply Chain711.12M141.158.66-1.46%15.89%10.79%35.22%1.20

Compare JSM vs Peers

Navient Corporation SR NT 6% 121543 (JSM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NAVI

Most directly comparable listed peer for JSM.

Scale Benchmark

vs COF

Larger-name benchmark to compare JSM against a more recognizable public peer.

Peer Set

Compare Top 5

vs NAVI, SLM, NNI, SOFI

JSM Income Statement

Navient Corporation SR NT 6% 121543 (JSM) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income00-3.49B-2.05B-1.32B1.12B-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 Income000003.22B0000
Interest Expense2.97B3.67B3.49B2.05B1.32B2.1B3.56B3.27B2.59B2.48B
Loan Loss Provision-2B-2.68B-2.5B-1.08B-109M-1.66B-2.76B-2.96B-2.44B-2.35B
Non-Interest Income4.38B4.91B4.67B3.3B2.27B-1.56B1.16B3.81B3.11B3B
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 Expense966M984M984M964M569M444M401M680M421M383M
Efficiency Ratio22.04%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 Tax472M133M166M120M219M182M85M43M-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)292M395M597M412M717M645M228M131M-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)1.041.502.562.124.184.491.851.20-0.82-
Diluted Shares Outstanding281M264M233M195M172M144M123M109M98M95M

JSM Balance Sheet

Navient Corporation SR NT 6% 121543 (JSM) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments1.52B1.29B1.23B1.18B905M1.53B839M2.1B2.1B8.18B
Cash & Due from Banks1.52B1.29B1.23B1.18B905M1.53B839M2.1B2.1B2.13B
Short Term Investments0000000000
Total Investments-2.98B226M00000000
Investments Growth %8.43%107.59%-100%------0%
Long-Term Investments-2.98B000000000
Accounts Receivables0000000000
Goodwill & Intangibles810M786M757M735M725M705M695M437M434M430M
Goodwill702M665M665M665M670M670M670M428M434M430M
Intangible Assets108M121M92M70M55M35M25M9M00
PP&E (Net)156M136M135M116M95M74M62M000
Other Assets112.51B101.97B92.78B85.38B78.88B68.48B59.78B000
Total Current Assets1.52B1.29B1.23B1.18B905M1.53B839M2.1B2.1B2.13B
Total Non-Current Assets113.47B102.89B93.67B86.23B79.7B69.26B60.54B437M434M430M
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 Payable0000000000
Total Debt105.01B93.52B81.72B77.33B74.49B61.03B53.4B43.18B5.07B5.87B
Net Debt103.49B92.23B80.48B76.15B73.58B59.49B52.56B42.46B2.97B3.74B
Long-Term Debt105.01B93.52B81.72B77.33B74.49B61.03B53.4B43.18B00
Short-Term Debt00000005.13B5.07B5.87B
Other Liabilities000000987M5.96B41.21B39.76B
Total Current Liabilities4.77B5.42B8.48B6.61B2.49B5.87B4.23B5.13B5.07B5.87B
Total Non-Current Liabilities105.01B93.52B81.72B77.33B74.49B61.03B54.39B49.15B41.21B39.76B
Total Liabilities105.01B93.52B81.72B84.97B78B67.82B58.62B49.15B46.28B45.63B
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 Share12.4013.4414.3712.5515.1620.6722.4424.2324.4825.04
Tangible BV per Share9.5210.4611.128.7810.9515.7816.7920.2220.0520.52
Common Stock4M4M4M4M4M4M4M4M4M4M
Additional Paid-in Capital3.08B3.15B3.2B3.23B3.28B3.31B3.35B3.38B00
Retained Earnings3B3.22B3.66B3.33B3.94B4.49B4.64B4.7B4.55B4.55B
Accumulated OCI61M113M-91M-274M-133M87M19M3M2M5M
Treasury Stock-2.69B-2.96B-3.44B-3.85B-4.5B-4.92B-5.25B-5.44B00
Preferred Stock0000000000

JSM Cash Flow Statement

Navient Corporation SR NT 6% 121543 (JSM) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations1.16B1.14B1.02B987M702M305M676M459M441M441M
Operating CF Growth %-14.03%-1.55%-10.61%-3.14%-28.88%-56.55%121.64%-32.1%-3.92%2653.96%
Net Income292M395M597M412M-11M105M228M131M-80M-60M
Depreciation & Amortization23M31M25M21M19M14M10M146M3M6M
Deferred Taxes00-103M0-69M128M0000
Other Non-Cash Items357M462M339M389M254M65M307M-84M497M346M
Working Capital Changes451M227M136M147M487M-26M107M243M016M
Cash from Investing7.12B10.36B7.49B6.45B6.67B10.59B7.36B8.47B2.71B2.74B
Purchase of Investments-1M000000000
Sale/Maturity of Investments0115M7M083M00000
Net Investment Activity-1M115M7M083M00000
Acquisitions-184M000-16M00000
Other Investing7.3B10.36B7.48B6.45B6.61B10.59B7.36B8.47B2.71B2.74B
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 Issued0000000000
Net Stock Activity-440M-220M-440M-400M-600M-400M-310M-179M-111M-99M
Debt Issuance (Net)-1000K-1000K-1000K-1000K-1000K-1000K-1000K-1000K0-1000K
Other Financing-2.4B-3B-1.1B-2.11B-1.97B1.18B-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 Effect0000000000
Cash at Beginning4.71B4.65B5.26B3.78B3.54B3.58B4.81B2.79B2.1B2.1B
Cash at End4.65B5.26B3.78B3.54B3.58B4.81B2.79B2.1B2.1B2.13B
Interest Paid0000000000
Income Taxes Paid0000000000
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%

JSM Banking Ratios

Navient Corporation SR NT 6% 121543 (JSM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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 Margin0%0%-3.68%-2.34%-1.63%1.58%-5.8%-6.32%-5.32%-3.99%
Efficiency Ratio22.04%20.05%21.06%29.23%25.04%26.78%34.69%17.85%13.55%12.77%
Equity / Assets3.03%3.4%3.53%2.8%3.24%4.21%4.5%5.1%4.93%4.96%
Book Value / Share12.413.4414.3712.5515.1620.6722.4424.2324.4825.04
NII Growth---41.34%35.68%185.18%-417.31%7.98%20.9%37.56%
Dividend Payout60.27%42.03%24.62%29.85%14.92%14.11%34.21%53.44%--53.33%

JSM SEC Filings & Documents

Navient Corporation SR NT 6% 121543 (JSM) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 29, 2026·SEC

Material company update

Apr 8, 2026·SEC

Material company update

Jan 28, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 29, 2026·SEC

FY 2025

Oct 29, 2025·SEC

FY 2025

Jul 30, 2025·SEC

JSM Frequently Asked Questions

Navient Corporation SR NT 6% 121543 (JSM) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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.

Dividend & Returns

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.

Industry Metrics

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.

Explore More JSM

Navient Corporation SR NT 6% 121543 (JSM) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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