Navient Corporation SR NT 6% 121543

Navient Corporation SR NT 6% 121543

JSMยทNASDAQ

$18.31

-0.18%
Financial ServicesFinancial - Credit Services

Navient Corp. engages in the provision of asset management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. It operates through the following segments: Federal Education Loans, Consumer Lending, Business Processing and Other. The Federal Education Loans segment owns FFELP Loans and performs servicing and asset recovery services on FFELP Loan portfolio. The Consumer Lending segment owns, originates, acquires and services high-quality private education loans. The Business Processing segment engages in the provision of government and healthcare services. The Other segment consists of corporate liquidity portfolio, gains and losses incurred on the repurchase of debt, unallocated expenses of shared services and restructuring/other reorganization expenses. The company was founded in 1973 and is headquartered in Herndon, VA.

At a Glance

Live Snapshot
Market Cap$5.02B
EPS-0.8200
P/E Ratio-22.33
Earnings Date04/28/2026
Navient Corporation SR NT 6% 121543

Navient Corporation SR NT 6% 121543 Fair Value Envelope

JSM ยท NASDAQ

Our analysis suggests that JSM has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $18.31, this represents a potential HIDDEN relative to our calculated worth for Navient Corporation SR NT 6% 121543.

Intrinsic Value
Current Price: $18.31

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$4.8B
+ Cash & Equivalents$2.1B
Firm Value$6.9B
- Debt$5.1B
Equity Value$1.8B
/ Shares Outstanding274,103,992B
DCF Value$7
OVERVALUED BY 64%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$423.7M
$407.1M
$391.1M
$375.8M
$361.1M
$346.9M
$333.3M
$320.2M
$307.7M
$295.6M
Maintenance CapEx
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
-$0
Owner Earnings
$423.7M
$407.1M
$391.1M
$375.8M
$361.1M
$346.9M
$333.3M
$320.2M
$307.7M
$295.6M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$392.3M
$349.0M
$310.5M
$276.2M
$245.7M
$218.6M
$194.5M
$173.0M
$153.9M
$136.9M
Terminal Value represents 48.7% of Enterprise Value