Navient Corporation SR NT 6% 121543 (JSM) Financials: Revenue & Earnings
JSM$15.63+0.23 +1.49%
$4.28B
Market Cap
-33.37
P/E
—
Forward P/E
57
Score
Navient Corporation SR NT 6% 121543 (JSM) Financials: Revenue & Earnings
JSM price $15.63 +0.23 +1.49%
- Ticker
- JSM
- Price
- $15.63
- Change
- +0.23 +1.49%
- Market cap ?
- $4.28B
- P/E ?
- -33.37
- Dividend yield ?
- 9.35%
- Beta ?
- 0.91
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Stocklytics score
- 57
- Value
- 55
- Quality
- 55
- Growth
- 62
Stocklytics score rationale: value 55, quality 55, growth 62.
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 4146000000 | 4383000000 | 4908000000 | 4673000000 | 3298000000 | 2272000000 | 1658000000 | 1156000000 | 3809000000 | 3108000000 |
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…
Fair value
JSM fair value $14.24. Price $15.63. Price is 10% above fair value.
Below fair value, and cheaper than usual. A larger discount than on more than 99% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Average free cash flow, last three years 525.33M. Growth 0.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 9.29% (beta 0.9). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 274.10M. Net debt 2.97B. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-04-28 | 0.18 | — | 695.00M | — |
| 2026-02-26 | -0.05 | — | 746.00M | — |
| 2023-12-31 | -0.23 | — | 1.08B | — |
| 2023-09-30 | 0.66 | — | 1.17B | — |
| 2023-06-30 | 0.53 | — | 1.10B | — |
| 2023-03-31 | — | — | 1.07B | — |
| 2022-12-31 | 0.91 | — | 1.29B | — |
Dividends
Yield 9.60%. Payout ratio —. Frequency Quarterly.
Safety score 55/100 · Moderate. Payout ratio is not reported, so this part stays neutral. Dividends use most of free cash flow. Dividends were paid in 23 separate years. Yield is 9.6%, high enough that the payout may be hard to keep.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| 2026-12-14 | $0.38 | 2026-12-14 | 2026-12-15 | Quarterly |
| 2026-09-14 | $0.38 | 2026-09-14 | 2026-09-15 | Quarterly |
| 2026-06-12 | $0.38 | 2026-06-12 | 2026-06-15 | Quarterly |
| 2026-03-13 | $0.38 | 2026-03-13 | 2026-03-16 | Quarterly |
| 2025-12-12 | $0.38 | 2025-12-12 | 2025-12-15 | Quarterly |
| 2025-09-12 | $0.38 | 2025-09-12 | 2025-09-15 | Quarterly |
| 2025-06-13 | $0.38 | 2025-06-13 | 2025-06-16 | Quarterly |
| 2025-03-14 | $0.38 | 2025-03-14 | 2025-03-17 | Quarterly |
| 2024-12-13 | $0.38 | 2024-12-13 | 2024-12-16 | Quarterly |
| 2024-09-13 | $0.38 | 2024-09-13 | 2024-09-16 | Quarterly |
| 2024-06-14 | $0.38 | 2024-06-14 | 2024-06-17 | Quarterly |
| 2024-03-13 | $0.38 | 2024-03-14 | 2024-03-15 | Quarterly |
| 2023-12-13 | $0.38 | 2023-12-14 | 2023-12-15 | Quarterly |
| 2023-09-13 | $0.38 | 2023-09-14 | 2023-09-15 | Quarterly |
| 2023-06-13 | $0.38 | 2023-06-14 | 2023-06-15 | Quarterly |
| 2023-03-13 | $0.38 | 2023-03-14 | 2023-03-15 | Quarterly |
| 2022-12-14 | $0.38 | 2022-12-14 | 2022-12-15 | Quarterly |
| 2022-09-13 | $0.38 | 2022-09-14 | 2022-09-15 | Quarterly |
| 2022-06-13 | $0.38 | 2022-06-14 | 2022-06-15 | Quarterly |
| 2022-03-11 | $0.38 | 2022-03-14 | 2022-03-15 | Quarterly |
| 2021-12-14 | $0.38 | 2021-12-14 | 2021-12-15 | Quarterly |
| 2021-09-13 | $0.38 | 2021-09-14 | 2021-09-15 | Quarterly |
| 2021-06-11 | $0.38 | 2021-06-14 | 2021-06-15 | Quarterly |
| 2021-03-11 | $0.38 | 2021-03-12 | 2021-03-15 | Quarterly |
| 2020-12-11 | $0.38 | 2020-12-14 | 2020-12-15 | Quarterly |
| 2020-09-11 | $0.38 | 2020-09-14 | 2020-09-15 | Quarterly |
| 2020-06-11 | $0.37 | 2020-06-12 | 2020-06-15 | Quarterly |
| 2020-03-12 | $0.38 | 2020-03-13 | 2020-03-16 | Quarterly |
| 2019-12-12 | $0.38 | 2019-12-13 | 2019-12-16 | Quarterly |
| 2019-09-12 | $0.38 | 2019-09-13 | 2019-09-16 | Quarterly |
| 2019-06-13 | $0.38 | 2019-06-14 | 2019-06-17 | Quarterly |
| 2019-03-13 | $0.38 | 2019-03-14 | 2019-03-15 | Quarterly |
| 2018-12-13 | $0.38 | 2018-12-14 | 2018-12-17 | Quarterly |
| 2018-09-13 | $0.38 | 2018-09-14 | 2018-09-17 | Quarterly |
| 2018-06-13 | $0.38 | 2018-06-14 | 2018-06-15 | Quarterly |
| 2018-03-13 | $0.38 | 2018-03-14 | 2018-03-15 | Quarterly |
| 2017-12-13 | $0.38 | — | 2017-12-15 | Quarterly |
| 2017-09-13 | $0.38 | 2017-09-14 | 2017-09-15 | Quarterly |
| 2017-06-12 | $0.38 | 2017-06-14 | 2017-06-15 | Quarterly |
| 2016-12-12 | $0.38 | 2016-12-14 | 2016-12-15 | Quarterly |
| 2016-09-12 | $0.38 | 2016-09-14 | 2016-09-15 | Quarterly |
| 2016-06-10 | $0.38 | 2016-06-14 | 2016-06-15 | Quarterly |
| 2016-03-10 | $0.38 | 2016-03-14 | 2016-03-15 | Quarterly |
| 2015-12-10 | $0.38 | 2015-12-14 | 2015-12-15 | Quarterly |
| 2015-09-10 | $0.38 | — | — | Quarterly |
| 2015-06-10 | $0.38 | — | — | Quarterly |
| 2015-02-25 | $0.38 | — | — | Quarterly |
| 2014-11-25 | $0.38 | — | — | Quarterly |
| 2014-08-27 | $0.38 | — | — | Quarterly |
| 2014-05-28 | $0.38 | — | — | Quarterly |
| 2014-02-26 | $0.38 | — | — | Quarterly |
| 2013-11-26 | $0.38 | — | — | Quarterly |
| 2013-08-28 | $0.38 | — | — | Quarterly |
| 2013-05-29 | $0.38 | — | — | Quarterly |
| 2013-02-26 | $0.38 | — | — | Quarterly |
| 2012-11-28 | $0.38 | — | — | Quarterly |
| 2012-08-29 | $0.38 | — | — | Quarterly |
| 2012-05-29 | $0.38 | — | — | Quarterly |
| 2012-02-27 | $0.38 | — | — | Quarterly |
| 2011-11-28 | $0.38 | — | — | Quarterly |
| 2011-08-29 | $0.38 | — | — | Quarterly |
| 2011-05-26 | $0.38 | — | — | Quarterly |
| 2011-02-24 | $0.38 | — | — | Quarterly |
| 2010-11-26 | $0.38 | — | — | Quarterly |
| 2010-08-27 | $0.38 | — | — | Quarterly |
| 2010-05-26 | $0.38 | — | — | Quarterly |
| 2010-02-24 | $0.38 | — | — | Quarterly |
| 2009-11-25 | $0.38 | — | — | Quarterly |
| 2009-08-27 | $0.38 | — | — | Quarterly |
| 2009-05-27 | $0.38 | — | — | Quarterly |
| 2009-02-25 | $0.38 | — | — | Quarterly |
| 2008-11-25 | $0.38 | — | — | Quarterly |
| 2008-08-27 | $0.38 | — | — | Quarterly |
| 2008-05-28 | $0.38 | — | — | Quarterly |
| 2008-02-27 | $0.38 | — | — | Quarterly |
| 2007-11-28 | $0.38 | — | — | Quarterly |
| 2007-08-29 | $0.38 | — | — | Quarterly |
| 2007-05-29 | $0.38 | — | — | Quarterly |
| 2007-02-26 | $0.38 | — | — | Quarterly |
| 2006-11-28 | $0.38 | — | — | Quarterly |
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| No data yet. | |||||
Institutional holders
Latest filed quarter: Q2 2026.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| PSI ADVISORS, LLC | 0 | -26.03K | -100.00% | 0 |
Earnings and financials
Navient Corporation SR NT 6% 121543 (JSM) trades at $15.63, with a market cap of $4.28B and a trailing P/E of -33.37. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 4146000000 | 4383000000 | 4908000000 | 4673000000 | 3298000000 | 2272000000 | 1658000000 | 1156000000 | 3809000000 | 3108000000 |
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