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Navient Corporation SR NT 6% 121543 logo

Navient Corporation SR NT 6% 121543

JSM

NASDAQFinancial ServicesFinancial - Credit Services

Open in GoAI

Previous close

$17.80

−$0.02 · -0.11%

Aug 21, 4:00 PM ET

JSM company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

71

Undervalued

Momentum

37

Weakening

Sentiment

52

Mixed

Risk resilience

73

Moderate Risk

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Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Edward Bramson
Listed since
Dec 30, 2003
Employees
2,100

Market position

Day range

Current $17.80

52-week range

Current $17.80

Open
$17.938
Previous close
$17.82
Volume
1.66K
0.14× average
Average volume
11.86K
Average daily volume
Market cap
4.88B USD
Beta
0.91
Market reference 1
50-day average
$17.8066
-0.04% below average
200-day average
$18.7567
-5.10% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
4.96B USD
EV / EBITDA
1,654.11×
Earnings yield
-4.01%
Free cash flow yield
22.12%

Profitability & efficiency

Return on equity
-3.33%
Return on assets
-0.16%
Return on invested capital
72.07%

Financial health

Current ratio
0.41×
Altman Z-score
0.25
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends110%69%28%-13%Gross margin, FY2021: 63.42%Gross margin, FY2022: 100.00%Gross margin, FY2023: 30.80%Gross margin, FY2024: 91.70%Gross margin, FY2025: 95.21%Operating margin, FY2021: 74.96%Operating margin, FY2022: 73.22%Operating margin, FY2023: 65.31%Operating margin, FY2024: 73.85%Operating margin, FY2025: 81.66%Net margin, FY2021: 31.56%Net margin, FY2022: 38.90%Net margin, FY2023: 19.72%Net margin, FY2024: 3.44%Net margin, FY2025: -2.57%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 63.42%. Gross margin FY2022 100.00%. Gross margin FY2023 30.80%. Gross margin FY2024 91.70%. Gross margin FY2025 95.21%. Operating margin FY2021 74.96%. Operating margin FY2022 73.22%. Operating margin FY2023 65.31%. Operating margin FY2024 73.85%. Operating margin FY2025 81.66%. Net margin FY2021 31.56%. Net margin FY2022 38.90%. Net margin FY2023 19.72%. Net margin FY2024 3.44%. Net margin FY2025 -2.57%.

Income trends

Revenue

3.11B USD-18.40%

Operating income

2.54B USD-9.78%

Net income

−80M USD−211M USD
Income trends across reported periods4.2B USD2.64B USD1.09B USD−468.9M USDRevenue, FY2021: 2.27B USDRevenue, FY2022: 1.66B USDRevenue, FY2023: 1.16B USDRevenue, FY2024: 3.81B USDRevenue, FY2025: 3.11B USDOperating income, FY2021: 1.7B USDOperating income, FY2022: 1.21B USDOperating income, FY2023: 755M USDOperating income, FY2024: 2.81B USDOperating income, FY2025: 2.54B USDNet income, FY2021: 717M USDNet income, FY2022: 645M USDNet income, FY2023: 228M USDNet income, FY2024: 131M USDNet income, FY2025: −80M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 2.27B USD. Revenue FY2022 1.66B USD. Revenue FY2023 1.16B USD. Revenue FY2024 3.81B USD. Revenue FY2025 3.11B USD. Operating income FY2021 1.7B USD. Operating income FY2022 1.21B USD. Operating income FY2023 755M USD. Operating income FY2024 2.81B USD. Operating income FY2025 2.54B USD. Net income FY2021 717M USD. Net income FY2022 645M USD. Net income FY2023 228M USD. Net income FY2024 131M USD. Net income FY2025 −80M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue3.11B USD3.81B USD1.16B USD1.66B USD2.27B USD
Cost of goods sold149M USD316M USD800M USD444M USD1.21B USD
Gross profit2.96B USD3.49B USD356M USD1.66B USD1.44B USD
Selling, general, and administrative—316M USD401M USD444M USD569M USD
Operating expenses421M USD680M USD401M USD444M USD569M USD
Interest income———3.22B USD—
Interest expense2.59B USD3.27B USD3.56B USD2.1B USD1.32B USD
Depreciation and amortization3M USD146M USD10M USD14M USD19M USD
Operating income2.54B USD2.81B USD755M USD1.21B USD1.7B USD
Net income−80M USD131M USD228M USD645M USD717M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.18

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates10.560.12-0.32Q4 '22Q2 '23Q3 '23Q4 '23Q1 '26Q2 '26
Q4 2022, reported Dec 31, 2022: actual 0.905, estimate —, surprise —, Comparison unavailable. Q2 2023, reported Jun 30, 2023: actual 0.532, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Sep 30, 2023: actual 0.658, estimate —, surprise —, Comparison unavailable. Q4 2023, reported Dec 31, 2023: actual -0.23, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 26, 2026: actual -0.051, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 28, 2026: actual 0.18, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates1.34B1.11B876.45M643.36MQ4 '22Q1 '23Q2 '23Q3 '23Q4 '23Q1 '26Q2 '26
Q4 2022, reported Dec 31, 2022: actual 1.29B USD, estimate —, surprise —, Comparison unavailable. Q1 2023, reported Mar 31, 2023: actual 1.07B USD, estimate —, surprise —, Comparison unavailable. Q2 2023, reported Jun 30, 2023: actual 1.1B USD, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Sep 30, 2023: actual 1.17B USD, estimate —, surprise —, Comparison unavailable. Q4 2023, reported Dec 31, 2023: actual 1.08B USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 26, 2026: actual 746M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 28, 2026: actual 695M USD, estimate —, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$17.50

1.69% downside
Past 12 months12-month forecastHigh $19.00Average $17.50Low $16.00

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ETFs holding JSM

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Preferred and Income Securities ETF logoiShares Preferred and Income Securities ETFPFF
Market value
13.22M
Weight
0.10%
AUM
13.06B USD
Expense ratio
0.45%
Price / 1D
$30.46+0.03%
Virtus InfraCap U.S. Preferred Stock ETF logoVirtus InfraCap U.S. Preferred Stock ETFPFFA
Market value
11.09M
Weight
0.44%
AUM
2.5B USD
Expense ratio
2.11%
Price / 1D
$20.890.00%
Invesco Preferred ETF logoInvesco Preferred ETFPGX
Market value
7.75M
Weight
0.21%
AUM
3.76B USD
Expense ratio
0.50%
Price / 1D
$10.60-0.28%
Goldman Sachs Access U.S. Preferred Stock and Hybrid Securities ETF logoGoldman Sachs Access U.S. Preferred Stock and Hybrid Securities ETFGPRF
Market value
93.41K
Weight
0.06%
AUM
145.77M USD
Expense ratio
0.45%
Price / 1D
$49.345+0.03%
Fidelity Preferred Securities & Income ETF logoFidelity Preferred Securities & Income ETFFPFD
Market value
26.73K
Weight
0.03%
AUM
80.75M USD
Expense ratio
0.59%
Price / 1D
$21.22-0.26%
VIRTUS INFRACAP PREFERRED AND INCOME SECURITIES ETF logoVIRTUS INFRACAP PREFERRED AND INCOME SECURITIES ETFVPFF
Market value
23.27K
Weight
1.86%
AUM
1.25M USD
Expense ratio
0.80%
Price / 1D
$25.1112+0.50%
iShares Morningstar Multi-Asset Income ETF logoiShares Morningstar Multi-Asset Income ETFIYLD
Market value
18.63K
Weight
0.01%
AUM
125.77M USD
Expense ratio
0.50%
Price / 1D
$22.29+0.22%

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