📊 JSM Key Takeaways
Is JSM a Good Investment? Thesis Analysis
Navient Corp is deeply unprofitable with a negative operating margin of -3.6% and net margin of -2.6%, while carrying extreme leverage of 16.94x debt-to-equity. The company cannot cover interest expense with operating income, creating significant financial distress risk.
Why Buy JSM? Key Strengths
- Substantial revenue growth of +498.8% YoY indicates significant business expansion and market activity
- Positive operating cash flow of $441.0M and strong 14.2% free cash flow margin demonstrate ongoing cash generation capability
- Large asset base of $48.7B provides scale and operational footprint in student loan servicing
JSM Investment Risks to Consider
- Extreme leverage with 16.94x debt-to-equity ratio and $40.6B long-term debt relative to $2.4B equity poses critical solvency risk
- Negative profitability across all metrics with operating margin of -3.6% and negative ROE/ROA destroying shareholder value
- Interest coverage ratio of -0.1x indicates company cannot service debt from operations, creating imminent distress potential
Key Metrics to Watch
- Operating margin trend and path to profitability
- Debt-to-equity ratio and deleveraging progress
- Interest coverage ratio improvement and sustainable debt servicing ability
JSM Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
JSM Profitability Ratios
JSM vs Finance Sector
How NAVIENT CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is JSM Overvalued or Undervalued?
Based on fundamental analysis, NAVIENT CORP shows some fundamental concerns relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
JSM Balance Sheet & Liquidity
JSM 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: NAVIENT CORP's revenue has declined by 15% over the 5-year period, indicating business contraction. The most recent EPS of $1.85 reflects profitable operations.
JSM Growth Metrics (YoY)
JSM Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2024 | $70.0M | -$2.0M | $-0.02 |
| Q2 2024 | $81.0M | $36.0M | $0.32 |
| Q1 2024 | $72.0M | $73.0M | $0.64 |
| Q3 2023 | $79.0M | $79.0M | $0.65 |
| Q2 2023 | $83.0M | $66.0M | $0.52 |
| Q1 2023 | $72.0M | $111.0M | $0.86 |
| Q3 2022 | $79.0M | $105.0M | $0.75 |
| Q2 2022 | $87.0M | $180.0M | $1.05 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
JSM Capital Allocation
JSM SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for NAVIENT CORP (CIK: 0001593538)
📋 Recent SEC Filings
❓ Frequently Asked Questions about JSM
What is the AI rating for JSM?
NAVIENT CORP (JSM) has an AI rating of STRONG SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are JSM's key strengths?
Claude: Substantial revenue growth of +498.8% YoY indicates significant business expansion and market activity. Positive operating cash flow of $441.0M and strong 14.2% free cash flow margin demonstrate ongoing cash generation capability.
What are the risks of investing in JSM?
Claude: Extreme leverage with 16.94x debt-to-equity ratio and $40.6B long-term debt relative to $2.4B equity poses critical solvency risk. Negative profitability across all metrics with operating margin of -3.6% and negative ROE/ROA destroying shareholder value.
What is JSM's revenue and growth?
NAVIENT CORP reported revenue of $3.1B.
Does JSM pay dividends?
NAVIENT CORP pays dividends, with $63.0M distributed to shareholders in the trailing twelve months.
Where can I find JSM SEC filings?
Official SEC filings for NAVIENT CORP (CIK: 0001593538) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is JSM's EPS?
NAVIENT CORP has a diluted EPS of $-0.81.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is JSM a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, NAVIENT CORP has a STRONG SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is JSM stock overvalued or undervalued?
Valuation metrics for JSM: ROE of -3.3% (sector avg: 12%), net margin of -2.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy JSM stock in 2026?
Our dual AI analysis gives NAVIENT CORP a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is JSM's free cash flow?
NAVIENT CORP's operating cash flow is $441.0M, with capital expenditures of N/A. FCF margin is 14.2%.
How does JSM compare to other Finance stocks?
Vs Finance sector averages: Net margin -2.6% (avg: 25%), ROE -3.3% (avg: 12%), current ratio N/A (avg: 1.2).