Companies ›Financials ›JSM.O

JSM.O — NASDAQ Banking

Navient Corp

$17,62

Open in Charts → Attach watcher ⌖

— —

USD

Set alert

Last 30 days

1D5D1M3M6MYTD1Y5YMax

Live price chart loads from the market-data widget.

Mcap

—

P/E

—

EV / Rev

—

Div yield

8,15 %

Op margin

-20,5 %

ROE

-3,3 %

Net margin

-14,8 %

Debt / equity

19,05

Beta

—

52w range

—

Volume

—

Day range

—

Prev close

$18,35

Open

—

Next earnings

—

Ex-dividend

—

TR 1Y

—

About

Navient Corp provides consumer lending services, primarily through student loan servicing and management, generating revenue from fees and interest income.

Business. Navient Corp (JSM.O) is a consumer lending company operating within the Financials sector, specifically focused on banking and investment services. The firm generates revenue primarily through a fee-income model. Navient is listed on the NASDAQ exchange under the ticker symbol JSM.O. Specific details regarding its operating segments and geographic presence are not provided in the available data.

Classification99 %

SectorFinancials

Industry groupBanking

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

— missing data

See all catalysts →

At a glance

Score

—

not yet scored

Valuation

—

valuation pending

Analysts

—

not yet wired

Ownership→

JPMorgan Private Bank (United States)

largest disclosed fund holder

Profitability→

-3,3 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning JSM.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to JSM.O. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

Navient Corp (JSM.O) is a consumer lending company operating within the Financials sector, specifically focused on banking and investment services. The firm generates revenue primarily through a fee-income model. Navient is listed on the NASDAQ exchange under the ticker symbol JSM.O. Specific details regarding its operating segments and geographic presence are not provided in the available data.

Classification99 %

SectorFinancials

Industry groupBanking

AI synthesis

GENERATED

Navient Corp operates with a highly leveraged capital structure, as evidenced by a debt-to-equity ratio of 19.05, indicating significant reliance on debt financing. The company's liquidity position is characterized by $637 million in cash and equivalents, but this is far outweighed by $45.7 billion in long-term debt, resulting in a negative net cash position. This suggests a medium liquidity risk, as the company may face challenges in meeting short-term obligations without additional financing.

In terms of profitability, Navient is currently unprofitable, with a net loss of $80 million and an operating loss of $111 million. The return on equity (ROE) is -3.33%, and the return on assets (ROA) is -0.16%, both significantly below the industry median for consumer lending firms. These metrics indicate that the company is not generating returns that meet the cost of capital, which is a critical concern for investors and stakeholders.

Navient's revenue is concentrated in the consumer lending segment, with no disclosed geographic diversification. The company's primary source of income is derived from student loan servicing and management, which exposes it to regulatory and economic risks specific to the U.S. market. This lack of geographic and product diversification increases the company's vulnerability to sector-specific downturns.

The company's growth trajectory is uncertain, with no disclosed revenue growth in the current fiscal year. The absence of positive revenue growth, combined with ongoing losses, suggests a challenging outlook for the near term. The company's ability to turn around its financial performance will depend on its capacity to reduce costs, improve operational efficiency, and navigate regulatory changes in the student loan sector.

Risk factors for Navient include its high debt levels, which could lead to increased interest expenses and potential refinancing risks. The company's dilution potential is unknown due to missing basic and diluted share counts, making it difficult to assess the impact of potential equity issuances on shareholder value. Additionally, the company's negative net cash position and operating cash flow of $441 million indicate that it is not generating sufficient cash from operations to cover its debt obligations.

Recent events and filings have not provided significant new insights into Navient's strategic direction or financial health. The company's ESG scores, particularly the Social pillar at 43.74 and the ESG controversies score at 76.89, suggest some level of controversy and social risk, which could affect its reputation and regulatory standing. The Governance pillar score of 61.98 indicates moderate governance practices, but there is room for improvement.

Key takeaways

Navient Corp is highly leveraged, with a debt-to-equity ratio of 19.05, indicating significant financial risk.
The company is currently unprofitable, with a net loss of $80 million and an operating loss of $111 million.
Revenue is concentrated in the consumer lending segment, with no geographic diversification, increasing vulnerability to sector-specific risks.
The company's growth trajectory is uncertain, with no disclosed revenue growth in the current fiscal year.
Risk factors include high debt levels, potential dilution, and a negative net cash position.
**margin_outlook_rationale**: Margins are expected to remain under pressure due to high debt servicing costs and regulatory challenges in the student loan sector.
**rd_outlook_rationale**: Research and development is not a significant factor in the consumer lending industry, and no specific R&D investments were disclosed.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Valuation

Market price

$17,62

Market cap

—

Enterprise valueⓘ

—

P/Eⓘ

—

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

—

P / Tangible bookⓘ

—

Tangible book

$2.40B

Net cashⓘ

-$45.07B

Current ratioⓘ

—

Debt / equityⓘ

19.1

ROAⓘ

-0.2%

ROEⓘ

-3.3%

Cash conversionⓘ

-551.0%

CapEx / revenueⓘ

—

SBC / revenueⓘ

—

Dilution ratioⓘ

—

Revenue by segment

Business relationships

Business relationships6 disclosed relationships · 1 type · extracted from filings & disclosures

Subsidiaries6

EX21:9488a1739656EX21:9488a1739656Subsidiarie97%

EX21:966bb6e8c17bEX21:966bb6e8c17bSubsidiarie97%

EX21:ab80f57eee6fEX21:ab80f57eee6fSubsidiarie97%

EX21:bdfabe7bfcc4EX21:bdfabe7bfcc4Subsidiarie97%

EX21:f820ccef5d2cEX21:f820ccef5d2cSubsidiarie97%Source ↗

EX21:faed5cfeefccEX21:faed5cfeefccSubsidiarie97%

Supply chain

— missing data

Peer comparison

Peer comparison8 peers · vs JSM · multiples and returns

AXP—

AMERICAN EXPRESS CO

$345,54

235,7B USD

P/E

20,2x

— vs self

Div yield

1,0 %

-7,1 vs self

ROE

31,6 %

+34,9 vs self

AER—

AerCap Holdings N.V.

$153,24

25,6B USD

P/E

5,5x

— vs self

Div yield

—

— vs self

ROE

21,4 %

+24,8 vs self

IX—

Orix

$39,97

46,5B USD

P/E

0,1x

— vs self

Div yield

296,0 %

+287,9 vs self

ROE

8,6 %

+11,9 vs self

COF—

Capital One Financial Corp

$217,68

135,7B USD

P/E

53,4x

— vs self

Div yield

—

— vs self

ROE

2,2 %

+5,5 vs self

UWMC—

Uwm Holdings Corp

$3,00

4,8B USD

P/E

176,7x

— vs self

Div yield

10,9 %

+2,8 vs self

ROE

13,7 %

+17,0 vs self

QFIN—

QFIN LTD

$13,86

3,4B USD

P/E

0,7x

— vs self

Div yield

—

— vs self

ROE

21,0 %

+24,4 vs self

CACC—

Credit Acceptance Corp

$572,97

6,3B USD

P/E

14,5x

— vs self

Div yield

—

— vs self

ROE

28,0 %

+31,3 vs self

LX—

LEXINFINTECH HOLDINGS LTD.

$1,50

246,7M USD

P/E

0,2x

— vs self

Div yield

17,7 %

+9,5 vs self

ROE

14,0 %

+17,4 vs self

Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

— missing data

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskUnknown

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

Op Margin-20,5 %Below median

Net Margin-14,8 %Bottom quartile

ROE-3,3 %Below median

D/E19,05Bottom quartile

Cash Conv-5,51Bottom quartile

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

Derivative transactions

Net disposed 71 327 sh1 exercises · 2 grants3 insiders

YOWAN DAVID L.Director, President & CEO · Restricted Stock Units → Common StockDisposed 107 363exercise · 2026-06-04
CABRAL ANNA ESCOBEDODirector · Phantom Stock Units → Common StockAcquired 18 018grant · 2026-06-04
KLANE LARRY ADirector · Phantom Stock Units → Common StockAcquired 18 018grant · 2026-06-04

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Market Price
input from market-data provider (delayed close or quote-shim mid)
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Return On Equity
net_income / total_equity
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Cash Conversion Ratio
operating_cash_flow / net_income
Return On Assets
net_income / total_assets

Source documents

Navient Corp Market data — financials · 2026-05-28
Navient Corp Market data — ESG · 2026-05-28

Ownership & reference

Top holders

JPMorgan Private Bank (United States)Investment Managers · as of 2026-03-310,14 %$2M
Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,01 %$52M
American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,01 %$17M
BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$203M
Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$18M
Wellington Management Company, LLPInvestment Managers · as of 2026-03-310,00 %$11M
Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$97M
Principal Global Investors (Equity)Investment Managers · as of 2026-03-310,00 %$3M
AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,00 %$3M
Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$8M
Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$7M
Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$14M
Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$3M
Invesco QQQ TrustFunds · as of 2026-03-310,00 %$6M
State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$21M
Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$11M
AMERIPRISE FINANCIAL INCInstitutional Investor · as of 2026-03-310,00 %$3M
AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$2M
EATON VANCE MANAGEMENTInstitutional Investor · as of 2022-09-300,00 %$0M
Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$3M
First Trust Advisors L.P.Investment Managers · as of 2026-03-310,00 %$1M
UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$2M
JANUS HENDERSON GROUP PLCInstitutional Investor · as of 2026-03-310,00 %$0M
Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$1M
T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
Victory Capital Management Inc.Investment Managers · as of 2026-03-310,00 %$0M
PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M
FMR LLCInstitutional Investor · as of 2026-03-310,00 %$1M
Raymond James & Associates, Inc.Brokerage Firms · as of 2026-03-310,00 %$0M
LPL Financial LLCInvestment Managers · as of 2026-03-310,00 %$0M
Capital Research Global InvestorsInvestment Managers · as of 2026-03-310,00 %$0M
Franklin Advisers, Inc.Investment Managers · as of 2026-03-310,00 %$0M
JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M

Insider activity

Mixed / flat0 buys · 0 sellsnet $05 insiders · last 365d

Lawson Michael ADirector · Common StockOther 18 018 @ $7,77$140K · 2026-06-04
ARNOLD FREDERICKDirector · Common StockOther 18 018 @ $7,77$140K · 2026-06-04
YOWAN DAVID L.Director, President & CEO · Common StockOther 36 235 · 2026-06-04
YOWAN DAVID L.Director, President & CEO · Common StockOther 14 676 @ $7,77$114K · 2026-06-04
YOWAN DAVID L.Director, President & CEO · Common StockOther 107 363 · 2026-06-04
YOWAN DAVID L.Director, President & CEO · Common StockOther 43 482 @ $7,77$338K · 2026-06-04
YOWAN DAVID L.Director, President & CEO · Common StockOther 63 881 @ $7,77$496K · 2026-06-04
YOWAN DAVID L.Director, President & CEO · Common StockOther 18 018 @ $7,77$140K · 2026-06-04
STANDISH TROYEVP & Chief Operating Officer · Common StockOther 1 125 @ $8,44$9K · 2026-05-22
HAUBER STEPHEN MEVP, CFO & PAO · Common StockOther 816 @ $8,44$7K · 2026-05-22
STANDISH TROYEVP & Chief Operating Officer · Common StockOther 51 843 @ $8,68$450K · 2026-03-04
HAUBER STEPHEN MEVP, CFO & PAO · Common StockOther 73 444 @ $8,68$637K · 2026-03-04
STANDISH TROYEVP & Chief Operating Officer · Common StockOther 1 783 @ $8,62$15K · 2026-03-02
HAUBER STEPHEN MEVP, CFO & PAO · Common StockOther 4 838 @ $8,62$42K · 2026-03-02
HAUBER STEPHEN MEVP, CFO & PAO · Common StockOther 2 979 @ $10,03$30K · 2026-02-09
STANDISH TROYEVP & Chief Operating Officer · Common StockOther 1 810 @ $10,03$18K · 2026-02-09
HAUBER STEPHEN MEVP, CFO & PAO · Common StockOther 5 167 @ $10,05$52K · 2026-02-07
STANDISH TROYEVP & Chief Operating Officer · Common StockOther 3 059 @ $10,05$31K · 2026-02-07
HAUBER STEPHEN MEVP, CFO & PAO · Common StockOther 2 962 @ $10,05$30K · 2026-02-06
STANDISH TROYEVP & Chief Operating Officer · Common StockOther 893 @ $10,05$9K · 2026-02-06
YOWAN DAVID L.Director, President & CEO · Common StockOther 24 075 @ $13,00$313K · 2025-12-31
STANDISH TROYEVP & Chief Operating Officer · Common StockOther 769 @ $12,40$10K · 2025-11-28

Short positioning

3.0Kshares short-82.8% vs prior

1days to cover

49.7%short of daily vol

88fails-to-deliver

as of 2026-07-15 · short-interest report (free)

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

JSM.OCanonical

NASDAQ · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskUnknown

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Relationship graph

This companySectorSubsidiaries

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

2026-06-20 00:43 UTCANALYSTAnalyst coverage initiated

2026-06-05FILING8-K filing →

2026-06-04 00:00 UTCINSIDER11 insider transactions — 2026-06 · net sell $528k 3 derivative

2026-06-04INSIDERLawson Michael A transacted 18.0k sh — Director ~$140k

2026-06-04INSIDERARNOLD FREDERICK transacted 18.0k sh — Director ~$140k

2026-06-04INSIDERYOWAN DAVID L. transacted 36.2k sh — Director, President & CEO

2026-06-04INSIDERYOWAN DAVID L. transacted 14.7k sh — Director, President & CEO ~$114k

2026-06-04INSIDERYOWAN DAVID L. transacted 107.4k sh — Director, President & CEO

2026-06-04INSIDERYOWAN DAVID L. transacted 43.5k sh — Director, President & CEO ~$338k

2026-06-04INSIDERYOWAN DAVID L. transacted 63.9k sh — Director, President & CEO ~$496k

2026-06-04INSIDERYOWAN DAVID L. transacted 18.0k sh — Director, President & CEO ~$140k

2026-06-04INSIDERKLANE LARRY A acquired 18.0k sh Phantom Stock Units — Director

2026-06-04INSIDERYOWAN DAVID L. disposed of 107.4k sh Restricted Stock Units — Director, President & CEO

2026-06-04INSIDERCABRAL ANNA ESCOBEDO acquired 18.0k sh Phantom Stock Units — Director

2026-05-29FILING8-K filing →

2026-05-27FILING424B2 filing →

2026-05-26FILING424B5 filing →

2026-05-22 00:00 UTCINSIDER2 insider transactions — 2026-05

2026-05-22INSIDERSTANDISH TROY transacted 1.1k sh — EVP & Chief Operating Officer ~$9k

2026-05-22INSIDERHAUBER STEPHEN M transacted 816 sh — EVP, CFO & PAO ~$7k

2026-04-29FILING10-Q filing →

2026-04-29FILING8-K filing →

2026-04-16FILINGDEF 14A filing →

2026-04-08FILING8-K filing →

2026-03-04 00:00 UTCINSIDER4 insider transactions — 2026-03 · net buy $1.0M

2026-03-04INSIDERSTANDISH TROY transacted 51.8k sh — EVP & Chief Operating Officer ~$450k

2026-03-04INSIDERHAUBER STEPHEN M transacted 73.4k sh — EVP, CFO & PAO ~$637k

2026-03-02INSIDERSTANDISH TROY transacted 1.8k sh — EVP & Chief Operating Officer ~$15k

2026-03-02INSIDERHAUBER STEPHEN M transacted 4.8k sh — EVP, CFO & PAO ~$42k

2026-02-26FILING10-K filing →

2026-02-09 00:00 UTCINSIDER6 insider transactions — 2026-02 · net sell $169k

2026-02-09INSIDERHAUBER STEPHEN M transacted 3.0k sh — EVP, CFO & PAO ~$30k

2026-02-09INSIDERSTANDISH TROY transacted 1.8k sh — EVP & Chief Operating Officer ~$18k

2026-02-07INSIDERHAUBER STEPHEN M transacted 5.2k sh — EVP, CFO & PAO ~$52k

2026-02-07INSIDERSTANDISH TROY transacted 3.1k sh — EVP & Chief Operating Officer ~$31k

2026-02-06INSIDERHAUBER STEPHEN M transacted 3.0k sh — EVP, CFO & PAO ~$30k

Showing the 40 most recent of 50 entries.

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Derivative transactions

Actions

Ask Handelsavisen

Ownership & reference

Top holders

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread