Navient Corporation - 6% Senior (JSM) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Navient Corporation - 6% Senior

NasdaqGS

$17.88+0.04(<0.01%)Pre-market

Market Cap

$1.65B

P/S

0.6x

P/B

0.7x

How this company scores

WeakMetricSide Score: 32/100

Grade capped at D — Interest coverage below 1× (0.1x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (15/25); weakest: Balance Sheet & Red Flags (3/25).

Profitability11/25

Growth3/25

Balance Sheet & Red Flags3/25

Cash & Earnings Quality15/25

Strengths

Rising free cash flowLong cash runwayImproving marginsNo share dilution

Grade capped at D

Interest coverage below 1× (0.1x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 53.7x5y range 3.6x – 53.7x

Currently above its 16-quarter median.

P/S · 0.6x5y range 0.4x – 1.2x

Currently near its 20-quarter median.

P/B · 0.7x5y range 0.7x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 204.3% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Red Flag

FCF consistently trails net income (avg -6.0x) — earnings may be inflated by non-cash items or aggressive accounting.

Price & Volume

Market Cap $1.65B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $2.99B
Q. Revenue: $710.00M
TTM EBITDA: $-48.00M
TTM Op. Income: $-53.00M
Q. Op. Income: $39.00M
TTM Net Income: $-50.00M
Q. Net Income: $25.00M
EPS: $0.27
Shares Out.: $94.00M

$2.99B in TTM revenue declined 21.4% YoY, reaching $710.00M last quarter. TTM EBITDA of $-48.00M and TTM operating income of $-53.00M show growth is flowing through to the bottom line. However, net income is negative at $50.00M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has fallen for 7 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 5.5%
Op. Margin: 5.5%
Net Margin: 3.5%

Op. margin of 5.5% is up 3.3% YoY — cost efficiency is improving. Net margin at 3.5% Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 0.6x
P/B Ratio: 0.7x

P/S of 0.6x and P/B of 0.7x. P/S is low relative to typical market levels. Across the last 4 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $47.30B
Cash: $770.00M
Long-Term Debt: $40.12B
Book Value: $2.40B
D/E Ratio: 16.7
Debt/EBITDA: 1028.8

With $47.30B in assets and $40.12B in long-term debt, D/E is 16.7and book value is $2.40B — elevated leverage, meaning significant financial risk in a downturn. Over the past year, debt/equity is up 1% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $143.00M
TTM Free Cash Flow: $340.00M
FCF Margin: 11.4%
FCF / Net Income: -6.8

TTM FCF of $340.00M on $143.00M in operating cash flow. The FCF / Net Income ratio of -6.8x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is up 74% — an improving trend.