Navient Corporation SR NT 6% 121543 (JSM) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
3.18
↓-96% vs avg
5yr avg: 79.70
30Y Low2.0·High98.5
P/FCF
↓
11.59
↑+113% vs avg
5yr avg: 5.43
30Y Low3.3·High8.3
P/B Ratio
↓
0.76
↓-24% vs avg
5yr avg: 1.01
30Y Low0.7·High7.4
ROE
↓
-3.2%
↑-126% vs avg
5yr avg: 12.2%
30Y Low-3%·High59%
Debt/EBITDA
↓
2.00
↓-97% vs avg
5yr avg: 77.55
30Y Low2.0·High41.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
JSM Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Navient Corporation SR NT 6% 121543 currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 11.6x P/FCF, 113% above the 5-year average of 5.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $5.1B | $2.0B | $1.9B | $2.6B | $2.5B | $4.4B | $4.9B | $5.6B | $4.4B | $6.7B | $7.1B |
| Enterprise Value | $8.1B | $5.0B | $44.4B | $55.2B | $62.0B | $77.9B | $81.1B | $86.1B | $96.6B | $110.2B | $118.3B |
| P/E Ratio → | -22.74 | — | 14.80 | 11.58 | 3.93 | 6.08 | 11.92 | 9.38 | 11.00 | 22.86 | 10.51 |
| P/S Ratio | 1.64 | 0.64 | 0.51 | 2.28 | 1.53 | 1.92 | 1.49 | 1.20 | 0.89 | 1.52 | 1.72 |
| P/B Ratio | 0.76 | 0.83 | 0.73 | 0.95 | 0.85 | 1.67 | 2.00 | 1.67 | 1.23 | 1.92 | 1.92 |
| P/FCF | 11.59 | 4.52 | 4.22 | 3.90 | 8.32 | 6.21 | 4.97 | 5.49 | 3.82 | 5.77 | 5.30 |
| P/OCF | 11.59 | 4.52 | 4.22 | 3.90 | 8.32 | 6.21 | 4.97 | 5.49 | 3.82 | 5.77 | 5.30 |
P/E links to full P/E history page with 30-year chart
JSM EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Navient Corporation SR NT 6% 121543's enterprise value stands at 3.2x EBITDA, 96% below its 5-year average of 79.7x. The Financial Services sector median is 11.5x, placing the stock at a 72% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.60 | 11.66 | 47.75 | 37.41 | 34.31 | 24.58 | 18.42 | 19.68 | 25.14 | 28.52 |
| EV / EBITDA | 3.18 | 1.95 | 20.38 | — | 179.79 | 116.68 | 98.49 | 43.45 | 39.95 | — | — |
| EV / EBIT | 3.18 | — | 12.88 | 36.55 | 14.97 | 22.88 | 33.69 | 21.76 | 24.23 | 70.71 | 51.98 |
| EV / FCF | — | 11.25 | 96.73 | 81.65 | 203.37 | 111.03 | 82.12 | 84.47 | 84.73 | 95.14 | 87.79 |
JSM Profitability
Margins and return-on-capital ratios measuring operating efficiency
Navient Corporation SR NT 6% 121543 earns an operating margin of 81.7%, significantly above the Financial Services sector average of 21.4%. Operating margins have expanded from 65.3% to 81.7% over the past 3 years, signaling improving operational efficiency. A negative ROE of -3.2% indicates the company is currently destroying shareholder equity. ROIC of 7.1% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.2% | 95.2% | 91.7% | 30.8% | 100.0% | 63.4% | 70.8% | 78.9% | 80.0% | 78.0% | 77.1% |
| Operating Margin | 81.7% | 81.7% | 73.9% | 65.3% | 73.2% | 75.0% | 41.5% | 57.9% | 59.9% | 6.7% | 16.4% |
| Net Profit Margin | -2.6% | -2.6% | 3.4% | 19.7% | 38.9% | 31.6% | 12.5% | 12.8% | 8.0% | 6.7% | 16.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -3.2% | -3.2% | 4.9% | 7.9% | 23.1% | 28.4% | 14.2% | 17.3% | 11.2% | 8.1% | 17.8% |
| ROA | -0.2% | -0.2% | 0.2% | 0.3% | 0.9% | 0.9% | 0.5% | 0.6% | 0.4% | 0.2% | 0.5% |
| ROIC | 7.1% | 7.1% | 4.1% | 0.9% | 1.3% | 1.6% | 1.2% | 2.2% | 2.1% | 0.2% | 0.4% |
| ROCE | 5.6% | 5.6% | 5.4% | 1.2% | 1.7% | 2.1% | 1.6% | 2.9% | 2.8% | 0.3% | 0.5% |
JSM Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Navient Corporation SR NT 6% 121543 carries a Debt/EBITDA ratio of 2.0x, which is manageable (52% below the sector average of 4.1x). Net debt stands at $3.0B ($5.1B total debt minus $2.1B cash). Interest coverage of just 1.0x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.11 | 2.11 | 16.35 | 19.35 | 20.50 | 28.56 | 31.60 | 24.40 | 26.37 | 30.13 | 30.18 |
| Debt / EBITDA | 2.00 | 2.00 | 19.82 | — | 176.89 | 111.51 | 93.96 | 41.25 | 38.68 | — | — |
| Net Debt / Equity | — | 1.24 | 16.08 | 19.04 | 19.98 | 28.21 | 31.12 | 24.03 | 26.00 | 29.70 | 29.85 |
| Net Debt / EBITDA | 1.17 | 1.17 | 19.49 | — | 172.44 | 110.15 | 92.53 | 40.63 | 38.14 | — | — |
| Debt / FCF | — | 6.73 | 92.51 | 77.76 | 195.05 | 104.82 | 77.15 | 78.98 | 80.91 | 89.37 | 82.49 |
| Interest Coverage | 0.98 | 0.98 | 1.05 | 0.42 | 1.97 | 2.59 | 1.18 | 1.13 | 1.09 | 0.52 | 0.93 |
JSM Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.41x is below 1.0, meaning current liabilities exceed current assets — though the company's $2.1B cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.20x to 0.41x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.41 | 0.41 | 0.41 | 0.20 | 0.26 | 0.36 | 0.18 | 0.15 | 0.24 | 0.32 | 0.54 |
| Quick Ratio | 0.41 | 0.41 | 0.41 | 0.20 | 0.26 | 0.36 | 0.18 | 0.15 | 0.24 | 0.32 | 0.54 |
| Cash Ratio | 0.41 | 0.41 | 0.41 | 0.20 | 0.26 | 0.36 | 0.18 | 0.15 | 0.24 | 0.32 | 0.54 |
| Asset Turnover | — | 0.06 | 0.07 | 0.02 | 0.02 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
JSM Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Navient Corporation SR NT 6% 121543 returns 5.6% to shareholders annually — split between a 3.4% dividend yield and 2.2% buyback yield.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.4% | 3.2% | 3.6% | 3.0% | 3.6% | 2.5% | 2.5% | 2.6% | 3.8% | 2.6% | 2.8% |
| Payout Ratio | — | — | 53.4% | 34.2% | 14.1% | 14.9% | 29.9% | 24.6% | 42.0% | 60.3% | 29.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 6.8% | 8.6% | 25.4% | 16.4% | 8.4% | 10.7% | 9.1% | 4.4% | 9.5% |
| FCF Yield | 8.6% | 22.1% | 23.7% | 25.7% | 12.0% | 16.1% | 20.1% | 18.2% | 26.2% | 17.3% | 18.9% |
| Buyback Yield | 2.2% | 5.6% | 9.2% | 11.8% | 15.8% | 13.8% | 8.2% | 7.9% | 5.1% | 6.6% | 10.6% |
| Total Shareholder Yield | 5.6% | 8.7% | 12.9% | 14.7% | 19.4% | 16.2% | 10.7% | 10.5% | 8.9% | 9.2% | 13.4% |
| Shares Outstanding | — | $98M | $109M | $123M | $144M | $172M | $195M | $233M | $264M | $281M | $322M |
Peer Comparison
Compare JSM with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 JSMYou | $5B | -22.7 | 3.2 | 11.6 | 95.2% | 81.7% | -3.2% | 7.1% | 2.0 |
 NAVI | $821M | -10.8 | 17.8 | 1.9 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 SLM | $4B | 6.5 | 6.1 | 7.8 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 NNI | $1B | — | -1.6 | — | — | — | 10.9% | — | — |
 SOFI | $21B | 41.8 | 23.3 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 COF | $120B | 48.0 | 15.0 | 4.6 | 47.3% | 3.3% | 2.8% | 1.3% | 6.8 |
 PFSI | $5B | 9.3 | 18.1 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 TREE | $550M | 3.7 | 8.7 | 9.1 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
 WRLD | $751M | 9.1 | 7.5 | 3.0 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 OMF | $7B | 8.5 | 22.0 | 2.1 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 ALLY | $14B | 18.7 | 12.9 | — | 52.0% | 8.6% | 5.8% | 2.2% | 11.1 |
| Financial Services Median | — | 13.4 | 11.5 | 10.7 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
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Start ComparisonJSM — Frequently Asked Questions
Quick answers to the most common questions about buying JSM stock.
What is Navient Corporation SR NT 6% 121543's P/E ratio?
Navient Corporation SR NT 6% 121543's current P/E ratio is -22.7x. The historical average is 10.4x.
What is Navient Corporation SR NT 6% 121543's EV/EBITDA?
Navient Corporation SR NT 6% 121543's current EV/EBITDA is 3.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 34.9x.
What is Navient Corporation SR NT 6% 121543's ROE?
Navient Corporation SR NT 6% 121543's return on equity (ROE) is -3.2%. The historical average is 19.4%.
Is JSM stock overvalued?
Based on historical data, Navient Corporation SR NT 6% 121543 is trading at a P/E of -22.7x. Compare with industry peers and growth rates for a complete picture.
What is Navient Corporation SR NT 6% 121543's dividend yield?
Navient Corporation SR NT 6% 121543's current dividend yield is 3.45%.
What are Navient Corporation SR NT 6% 121543's profit margins?
Navient Corporation SR NT 6% 121543 has 95.2% gross margin and 81.7% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Navient Corporation SR NT 6% 121543 have?
Navient Corporation SR NT 6% 121543's Debt/EBITDA ratio is 2.0x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.