Navient Corporation SR NT 6% 121543 (JSM) Stock Price & Analysis
Navient Corporation SR NT 6% 121543 (JSM) — price $16.72 (+0.33%), as of the Oct 2, 2026 trading session; market cap $4.58B.
Educational signal · not a buy or sell recommendation · How to read this
Navient Corporation SR NT 6% 121543 · JSM · NASDAQ · Unknown · Unknown
Research dated 2026-09-13: Navient manages portfolios of education loans and provides business processing services to government and healthcare organizations. The question for a debt holder: can the company's profitability sustain and generate sufficient cash to service its debt load, or will policy changes in education lending compress the revenue base?
Price as of Oct 2, 2026
Key Statistics
Not scored: this is a debt/preferred or other non-common instrument, or its reported market value does not match its share basis.
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $16.72 | |
| Change on the day | +0.33% | |
| 52-week range | $16.29 – $20.65 | |
| Market capitalisation | $4.58B | |
| Shares traded on the day | 23.5K | |
| Dividends per share (last 12 months) | $1.50 | |
| Dividend yield (last 12 months) | 8.97% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results
- · Earnings results
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Chronological order, not a duration scale.
What to watch nextOther perspectives
Council score for Navient Corporation SR NT 6% 121543 (JSM): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
3 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 27, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the JSM film — every key number, told as a short cinematic story
~2 min · open the film
What is Navient Corporation SR NT 6% 121543 (JSM), and what does it report?
Short answer · as of
Navient's revenue derives from servicing fees on Federal Family Education Loan Program portfolios, consumer lending operations, and business processing contracts with government and healthcare clients.
Research dated 2026-09-13.
Navient's revenue derives from servicing fees on Federal Family Education Loan Program portfolios, consumer lending operations, and business processing contracts with government and healthcare clients. The income statement reflects asset-management economics: gross margins remain high because servicing requires minimal variable cost beyond customer service, but operating expenses stay elevated due to staffing and compliance. Results concentrate on cash flow from fee collection rather than asset value appreciation.
What do the latest results show for Navient Corporation SR NT 6% 121543 (JSM)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $682M.
Research dated 2026-09-13.
The company returned to profitability in the latest quarters after losses in the prior year. Operating cash flow has recovered to substantial levels, exceeding net earnings. The mechanism is straightforward: education loan servicing businesses generate steady cash from fee collection regardless of whether loan volumes expand or contract. The profitability volatility reflects one-time items and portfolio adjustments rather than operational deterioration.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $682.00M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $573.00M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $682.00M | Not available | Not available | $573.00M |
| Mar 31, 2026 | $695.00M | Not available | Not available | $574.00M |
| Dec 31, 2025 | $746.00M | Not available | Not available | $625.00M |
| Sep 30, 2025 | $781.00M | Not available | Not available | $644.00M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $695.00M Apr 28, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Apr 28, 2026 | $695.00M | Not available | $0.1800 | Not available |
| Feb 26, 2026 | $746.00M | Not available | −$0.0510 | Not available |
| Dec 31, 2023 | $1.08B | Not available | −$0.2295 | Not available |
| Sep 30, 2023 | $1.17B | Not available | $0.6580 | Not available |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $682M | $25M | $0.26 (diluted) |
| Q1 FY2026 | $695M | $17M | $0.17 (diluted) |
| Q4 FY2025 | $746M | -$5M | -$0.05 (diluted) |
| Q3 FY2025 | $781M | -$86M | -$0.87 (diluted) |
What are the financial strengths and risks for Navient Corporation SR NT 6% 121543 (JSM)?
Short answer
Cash and short-term investments were $2.14B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $143.00M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Navient carries debt at a moderate leverage multiple relative to its equity base. Operating cash flow covers debt service requirements several times over, and the company maintains a liquid cash position. The financial risk centers on a single point: if the Federal loan portfolio shrinks due to forgiveness programs or policy changes, servicing fee revenue falls immediately and margins compress. The high gross margin masks dependence on a single asset base.
Data-derived red flags
- Financial-distress signal — its Altman Z-Score of 0.24 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-2.0%) — the business is not currently generating profit on shareholder capital.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $143.00M Jun 30, 2026
- Previous quarter · operating cash flow
- −$47.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $143.00M | Not available |
| Mar 31, 2026 | −$47.00M | Not available |
| Dec 31, 2025 | $174.00M | Not available |
| Sep 30, 2025 | $70.00M | Not available |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Navient Corporation SR NT 6% 121543 (JSM)?
Research dated 2026-09-13.
Watch announcements about Federal student loan portfolio volumes and Navient's servicing contract renewals with government agencies. Monitor quarterly cash flow trends and the company's ability to maintain dividend payments. If education policy shifts toward loan forgiveness or direct government servicing, the fee base erodes.
What the records here don't tell us
- No forward revenue or earnings estimate is on file.
- The next earnings date is not yet scheduled in the calendar we read.
- No insider Form 4 transaction falls inside the window this page reads.
Checked against the records this page reads, on the dates shown above.
How is Navient Corporation SR NT 6% 121543 scored?
Research dated 2026-09-13.
Compared to broader asset servicers and financial processors, Navient operates in a concentrated niche of education lending and government services. This focus reduces competitive intensity in its segments but creates dependency on policy decisions outside the company's control. Differentiation comes from regulatory expertise and portfolio ownership rather than operational innovation.
| Company | Price | Market value | Score |
|---|---|---|---|
| $527.50 Oct 2, 2026 | $5.52B | 96 5-pillar Oct 4, 2026 | |
| $98.05 Oct 2, 2026 | $3.96B | 96 5-pillar Oct 4, 2026 | |
| $56.02 Oct 2, 2026 | $6.47B | 95 5-pillar Oct 4, 2026 | |
| $10.30 Oct 2, 2026 | $5.11B | 93 5-pillar Oct 4, 2026 | |
| $47.04 Oct 2, 2026 | $6.48B | 92 5-pillar Oct 4, 2026 | |
| $172.89 Oct 2, 2026 | $4.30B | 92 5-pillar Oct 4, 2026 | |
| $22.75 Oct 2, 2026 | $4.28B | 92 5-pillar Oct 4, 2026 | |
| $107.41 Oct 2, 2026 | $3.61B | 85 5-pillar Oct 4, 2026 | |
| $58.79 Oct 2, 2026 | $12.5B | 83 5-pillar Oct 4, 2026 | |
| $210.36 Oct 2, 2026 | $9.12B | 79 5-pillar Oct 4, 2026 | |
| $123.87 Oct 2, 2026 | $4.45B | 76 5-pillar Oct 4, 2026 | |
| $158.21 Oct 2, 2026 | $30.4B | 75 5-pillar Oct 4, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 0.0% Period end Mar 31, 2026
- Reporting holders
- 1 Period end Mar 31, 2026
- Previous quarter · holders
- 0 Prior to period end Mar 31, 2026
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed.
JSM Unknown Stock FAQ
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last question is answered from this page's own dated data, not from the research.
What drives Navient's revenue and cash flow?
Servicing fees on the Federal education loan portfolio form the dominant revenue stream, supplemented by consumer lending and government/healthcare business processing contracts. The servicing business generates dependable cash regardless of interest rates or loan performance—the holder receives a fixed fee for collecting payments and managing accounts.
Can Navient sustain its dividend payments?
Operating cash flow covers the quarterly dividend many times over based on recent periods. Sustainability depends on maintaining the education loan portfolio and contract base. If servicing volumes shrink substantially, cash generation would contract and the dividend becomes at risk.
What is the risk to debt holders from leverage?
Debt-to-equity leverage is moderate, and operating cash flow covers interest payments comfortably. The real risk is not leverage level but leverage stability—if the asset base contracts due to policy changes, the cash flow that services the debt falls sharply.
What threatens the business model?
Federal education policy changes pose the primary risk to holders. Loan forgiveness programs, shifts toward direct government servicing, or consolidation of servicing platforms could reduce the portfolio under management and compress servicing fee revenue. These risks sit outside Navient's operational control.
What is the JSM stock price today?
The last price recorded on this page for Navient Corporation SR NT 6% 121543 (JSM) is $16.72, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Claude (claude-haiku-4-5) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (46 figures)
The 46 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
FMP — 39 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $16.72 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T09:54:42.579Z. | |
px.change | Change on the day | +0.33% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $4.58B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:00.000Z. Captured from FMP at 2026-10-04T09:54:40.986Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.0554 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 23.5K | FMP | Financial Modeling Prep (FMP) · quote | |
id.employees | Employees | 670 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.q_revenue | Revenue, Q2 FY2026 | $682M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $2.27B, net result $717.00M; FY2022 revenue $1.66B, net result $645.00M; FY2023 revenue $1.16B, net result $228.00M; FY2024 revenue $3.81B, net result $131.00M; FY2025 revenue $3.11B, net result −$80.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Government Services $183.00M · Healthcare Services $88.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 95.8% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $682.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $573.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $695.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $574.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $746.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $625.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $781.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $644.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-04-28.revenue_actual | Revenue · reported — report date 2026-04-28 | $695.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-28.eps_actual | EPS · reported — report date 2026-04-28 | $0.1800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.revenue_actual | Revenue · reported — report date 2026-02-26 | $746.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.eps_actual | EPS · reported — report date 2026-02-26 | −$0.0510 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2023-12-31.revenue_actual | Revenue · reported — report date 2023-12-31 | $1.08B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2023-12-31.eps_actual | EPS · reported — report date 2023-12-31 | −$0.2295 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2023-09-30.revenue_actual | Revenue · reported — report date 2023-09-30 | $1.17B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2023-09-30.eps_actual | EPS · reported — report date 2023-09-30 | $0.6580 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $2.14B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $143.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $0.00 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $4.21B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 0.66× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $143.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | −$47.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $174.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $70.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
own.institutions.depth.ownership_pct | Institutional ownership | 0.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Mar 31, 2026 | |
own.institutions.depth.holders | Reporting holders | 1 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Mar 31, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 0 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Mar 31, 2026 |
UNRECORDED — 4 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.range52 | 52-week range | $16.29 – $20.65 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 | |
id.ceo | Chief executive | Edward Bramson | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 | |
fin.scores | Distress and quality screens | Altman Z 0.24 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 | |
fin.ratios | Return and yield ratios (trailing twelve months) | ROE -2.0% · ROA -0.1% · current ratio 0.51 · earnings yield -2.9% · free-cash-flow yield 6.9% | — | UNRECORDED | Stored key metrics — Date unknown |
COMPUTED — 3 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.50 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-03, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 8.97% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 2.14× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $2.14B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-04-28. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-04-28.revenue_actual,earn.history.depth.2026-04-28.eps_actual,earn.history.depth.2026-02-26.revenue_actual,earn.history.depth.2026-02-26.eps_actual,earn.history.depth.2023-12-31.revenue_actual,earn.history.depth.2023-12-31.eps_actual,earn.history.depth.2023-09-30.revenue_actual,earn.history.depth.2023-09-30.eps_actual. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m.
- Published
- Research standards
- Methodology · Editorial policy · Corrections
- Report a number
- sedat@stockexpertai.com
Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Sector / industry (provider taxonomy) | Financial Services / Financial - Credit Services The company's SEC filings classify it under SIC 6211 — Security Brokers, Dealers & Flotation Companies. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Trailing twelve-month ratio set | Quick ratio: 0.51; Current ratio: 0.51; Debt to equity: 1.76; Net margin: -1.7%; Gross margin: 95.8%; Operating margin: 83.2%; Return on assets: -0.1%; Return on equity: -2% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Revenue by segment | Government Services: $183.00M; Healthcare Services: $88.00M | 2024-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Reported versus estimated, last 6 quarters | Captured record · 6 entries
| 2026-04-28 | FMP | Financial Modeling Prep (FMP) earnings |
| Cash, investments and debt | Total debt: $4.21B; Liquidity basis: cash and short-term investments; Total liabilities: $44.90B; Cash and short-term investments: $2.14B; Cash and investments: $2.14B; Long-term investments: $0; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Distress and quality screens | Altman Z-score: 0.25; Piotroski F-score: 7 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-06-12 | FMP | Financial Modeling Prep (FMP) dividend history |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Institutional ownership (13F) | Holders: 1; Quarter: 2026-03-31; Ownership: 0%; Holders previous quarter: 0 13F filings are quarterly and lag the quarter end by up to 45 days. | 2026-03-31 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings |
Data provided for informational purposes only.