NASDAQ · Financial - Credit Services

Navient Corporation SR NT 6% 121543 (JSM) Stock

$17.74 +0.29% NASDAQ: JSM Financial Services

Navient Corporation specializes in providing asset management and business processing services to a diverse clientele, including those in education, healthcare, and governmental sectors at all levels—federal, state, and local. The company's operations are structured into four key segments: Federal Education Loans, Consumer Lending, Business Processing, and Other.

Valuation

MetricValue
Price$17.74
Market Cap$4.86B
P/E Ratio-29.51
P/B Ratio0.71
P/S Ratio1.62
EPS (TTM)$-0.82
52-Week High$20.65
52-Week Low$17.57
Dividend Yield8.46%

Financials & Margins

MetricValue
ROE-2.45%
ROA-0.12%
ROCE5.90%
Gross Margin95.63%
Operating Margin82.87%
Net Margin-2.00%
Debt/Equity2.47
Current Ratio0.36

Annual Financials (USD)

Metric20212022202320242025
Revenue$2.3B$1.7B$1.2B$3.8B$3.1B
Operating Profit$1.7B$1.2B$755.0M$2.8B$2.5B
Net Profit$717.0M$645.0M$228.0M$131.0M$-80.0M
EPS$4.17$4.48$1.85$1.20$-0.82
Op Margin75.0%73.2%65.3%73.8%81.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$80.6B$70.8B$61.4B$51.8B$48.7B
Total Liabilities$78.0B$67.8B$58.6B$49.1B$46.3B
Cash$905.0M$1.5B$839.0M$2.1B$2.1B
Borrowings$74.5B$61.0B$53.4B$43.2B$5.1B

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$702.0M$305.0M$676.0M$459.0M$441.0M
Investing Cash Flow$6.7B$10.6B$7.4B$8.5B$2.7B
Financing Cash Flow$-2.6B$783.0M$-403.0M$-374.0M$-3.2B
Net Cash Flow$41.0M$1.2B$-2.0B$-690.0M$1.0M
Free Cash Flow$702.0M$305.0M$676.0M$459.0M$441.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.31
EV / EBITDA7.19
FCF Yield6.64%
Quick Ratio0.36
Interest Coverage1.00
Return 1Y2.62%
Return 3Y20.49%
Return 5Y-1.27%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $336.64 -1.11% 38.93 $4.94T 0.32%
MSFTMicrosoft Corporation $535.07 +2.38% 28.68 $3.97T 0.76%
GOOGLAlphabet Inc. $351.66 +0.97% 16.94 $4.26T 0.26%
AMZNAmazon.com, Inc. $262.43 +3.29% 19.82 $2.82T 0.00%
METAMeta Platforms, Inc. $718.67 -0.31% 27.93 $1.83T 0.28%

About Navient Corporation SR NT 6% 121543

Navient Corporation specializes in providing asset management and business processing services to a diverse clientele, including those in education, healthcare, and governmental sectors at all levels—federal, state, and local. The company's operations are structured into four key segments: Federal Education Loans, Consumer Lending, Business Processing, and Other. The Federal Education Loans segment is dedicated to the ownership, servicing, and asset recovery of its FFELP (Federal Family Education Loan Program) loan portfolio. Through its Consumer Lending division, Navient engages in the origination, acquisition, ownership, and servicing of high-quality private education loans. The Business Processing segment focuses on delivering services to government and healthcare organizations. Lastly, the "Other" segment covers the corporate liquidity portfolio, profits or losses resulting from debt repurchases, unallocated expenses for shared services, and various restructuring or reorganization costs. Established in 1973, Navient maintains its corporate headquarters in Herndon, Virginia.

Navient Corporation SR NT 6% 121543 is headquartered in US.

Navient Corporation SR NT 6% 121543 (JSM) stock trades at $17.74 with a market capitalization of $4.86B. The stock is valued at a price-to-earnings (P/E) ratio of -29.51, price-to-book of 0.71, price-to-sales of 1.62. Over the past 52 weeks the stock has ranged between $17.57 and $20.65, and currently trades 14.1% below its 52-week high. It pays a dividend yielding 8.46%.

On profitability, Navient Corporation SR NT 6% 121543 generates a return on equity (ROE) of -2.45%, return on capital employed of 5.90%, an operating margin of 82.87%, a net profit margin of -2.00%.

Official website: www.salliemae.com

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