JSM — Stock Film
STOCK FILMSCENE 1/11JSM · $17.82
Stock Expert AI presents
JSM
Navient Corporation SR NT 6% 121543
~4 min film100% real numbers0 jargon
WHAT DOES THIS COMPANY DO?
Navient Corporation SR NT 6% 121543. A quick introduction.

On the stock market since 2003, it operates in the world of money and finance. It has 2,100 employees. Now — the numbers.

on the stock market since 2003
2,100 employees
$4.9B market value
Revenue last year:
$0
The loss that same year:
$0
Sales don’t cover the costs; the gap drains from the cash pile every year.

The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.

WHERE DOES THE MONEY COME FROM?
68%Government Services
Government Services 68%Healthcare Services 32%
68% of all revenue comes from a single line: Government Services.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 8% a year over the last 4 years. Red columns mark years that ended in a loss.

$2.3B
2021
$1.7B
2022
$1.2B
2023
$3.8B
2024
$3.1B
2025
In the vault right now:
$0
DEBT: $5.1B
At this pace, that money lasts about 26.3 years.

Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.

INSIDE THE REPORT CARD

We compared this company with its own sector across five subjects.

A score of 50 means class average.

BUSINESS QUALITY
79
strong

Clearly above the class average — a step short of the very top.

FINANCIAL STRENGTH
45
weak

For a bank, strength is measured by capital buffers and reserves — not cash minus debt.

VALUATION
90
very strong

The price looks reasonable next to what the company earns.

GROWTH
33
very weak

Clearly below the class average.

PRICE MOMENTUM
14
very weak

Clearly below the class average.

WORTH WATCHING

Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.

Growth: Sales growth trails the sector average.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 31% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/1
Pays a steady dividend

It pays out $1.50 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/3
Lost money last year

A loss of $80M against $3.1B in annual sales. And on top of that, sales fell from the year before.

2
THE RISKS · 2/3
The stock has lost its spark

Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 14/100. For a turnaround signal, the stock first needs to close the gap with the market.

3
THE RISKS · 3/3
Growth trails the sector

The growth engine is running at low revs right now. Report-card grade: 33/100.

FINALE · THE GRADE
C
0 / 100 · MoonshotScore

On our five-subject report card, JSM sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.

The takeaway: JSM has solid sales but closed last year at a loss. The road back to profit runs through spending discipline.

The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.

What would you like to do next?
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This was a film — not investment advice.
Data: FMP & company filings
Aug 21, 2026 · stockexpertai.com · Stock Film