JSM - NASDAQ

Navient Corporation SR NT 6% 121543

JSM·NASDAQ

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$5.02B

EPS-0.8200

P/E Ratio-22.33

Earnings Date04/28/2026

48.68B

Assets

-6%

3Y-31.0%

5Y-44.0%

10Y-60.0%

46.28B

Total Liabilities

-6%

3Y-32.0%

5Y-46.0%

10Y-59.0%

2.40B

Total Equity

-9%

3Y-19.0%

5Y-2.0%

10Y-36.0%

Navient Corporation SR NT 6% 121543 Funding & Solvency Profile

JSM · NASDAQ

Current Assets

Cash & Cash Equivalents2.10B

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets2 B

Non-Current Assets

Property, Plant & Equipment0.00

Goodwill & Intangible Assets434.00M

Long-Term Investments0.00

Other Non-Current Assets0.00

Total Non-Current Assets0

Total Assets

48.68B

Financial Health Analysis

Current Ratio

0.41x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

19.29x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2969000000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

4% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Navient Corporation SR NT 6% 121543 Balance Sheet

JSM • NASDAQ

Navient Corporation SR NT 6% 121543 Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	2.1B	2.1B	839M	1.5B	905M	1.2B	1.2B	1.3B	1.5B	1.3B	1.6B	1.4B	5.2B	3.9B
Cash & Short-Term Investments	2.1B	2.1B	839M	1.5B	905M	1.2B	1.2B	1.3B	1.5B	1.3B	1.6B	1.4B	5.2B	3.9B
Total Current Assets	2.1B	2.1B	839M	1.5B	905M	1.2B	1.2B	1.3B	1.5B	1.3B	1.6B	1.4B	5.2B	3.9B
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	0.0	0.0	62M	74M	95M	116M	135M	136M	156M	160M	162M	152M	237M	215M
Goodwill	434M	428M	670M	670M	670M	665M	665M	665M	702M	546M	551M	353M	394M	395M
Intangible Assets	0.0	9M	25M	35M	55M	70M	92M	121M	108M	124M	154M	16M	30M	53M
Goodwill & Intangible Assets	434M	437M	695M	705M	725M	735M	757M	786M	810M	670M	705M	369M	424M	448M
Long-Term Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-3B	-3.3B	-3.2B	-3.3B	0.0	0.0
Tax Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3B	3.3B	3.2B	3.3B	0.0	0.0
Other Non-Current Assets	0.0	0.0	59.8B	68.5B	78.9B	85.4B	92.8B	102B	112.5B	119.1B	131.6B	144.4B	153.7B	-663M
Total Non-Current Assets	434M	437M	60.5B	69.3B	79.7B	86.2B	93.7B	102.9B	113.5B	119.9B	132.5B	144.9B	154.4B	663M
Other Assets	46.1B	49.2B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	176.7B
Total Assets	48.7B	51.8B	61.4B	70.8B	80.6B	87.4B	94.9B	104.2B	115B	121.1B	134B	146.4B	159.5B	181.3B
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	5.1B	5.1B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	0.0	0.0	4.2B	5.9B	2.5B	6.6B	8.5B	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Liabilities	5.1B	5.1B	4.2B	5.9B	2.5B	6.6B	8.5B	5.4B	4.8B	2.3B	2.6B	2.7B	0.0	0.0
NON-CURRENT LIABILITIES
Long Term Debt	0.0	43.2B	53.4B	61B	74.5B	77.3B	81.7B	93.5B	105B	112.4B	124.8B	136.9B	136.6B	152.4B
Other Non-Current Liabilities	41.2B	6B	987M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-152.4B
Total Non-Current Liabilities	41.2B	49.1B	54.4B	61B	74.5B	77.3B	81.7B	93.5B	105B	112.4B	124.8B	136.9B	136.6B	152.4B
Other Liabilities	0.0	0.0	0.0	-5.9B	-2.5B	-6.6B	-8.5B	-5.4B	-4.8B	-2.3B	-2.6B	-2.7B	0.0	0.0
Total Liabilities	46.3B	49.1B	58.6B	67.8B	78B	85B	81.7B	93.5B	105B	112.4B	124.8B	136.9B	136.6B	152.4B
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	-5.4B	-5.3B	-4.9B	-4.5B	-3.9B	-3.4B	-3B	-2.7B	-2.2B	-1.4B	-432M	-2B	0.0
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	565M	0.0
Common Stock	4M	4M	4M	4M	4M	4M	4M	4M	4M	4M	4M	4M	109M	107M
Additional Paid-In Capital	0.0	3.4B	3.4B	3.3B	3.3B	3.2B	3.2B	3.1B	3.1B	3B	3B	2.9B	4.4B	0.0
Retained Earnings	4.6B	4.7B	4.6B	4.5B	3.9B	3.3B	3.7B	3.2B	3B	2.9B	2.4B	1.7B	2.6B	1.5B
Accumulated Other Comprehensive Income/Loss	2M	3M	19M	87M	-133M	-274M	-91M	113M	61M	6M	-51M	9M	13M	0.0
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-1.6B
Total Stockholders' Equity	2.4B	2.6B	2.8B	3B	2.6B	2.4B	3.3B	3.5B	3.5B	3.7B	3.9B	4.2B	5.6B	1.6B
Total Equity	2.4B	2.6B	2.8B	3B	2.6B	2.4B	3.3B	3.5B	3.5B	3.7B	3.9B	4.2B	5.6B	1.6B
Minority Interest	0.0	0.0	0.0	0.0	11M	14M	13M	28M	31M	24M	24M	0.0	5M	0.0
SUMMARY
Total Liabilities & Equity	48.7B	51.8B	61.4B	70.8B	80.6B	87.4B	85.1B	97.1B	108.5B	116.1B	128.8B	141.1B	142.3B	0.0
Total Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	226M	-3B	-3.3B	-3.2B	-3.3B	0.0	0.0
Total Debt	5.1B	43.2B	53.4B	61B	74.5B	77.3B	81.7B	93.5B	105B	112.4B	124.8B	136.9B	136.6B	0.0
Net Debt	3B	42.5B	52.6B	59.5B	73.6B	76.1B	80.5B	92.2B	103.5B	111.1B	123.2B	135.4B	131.5B	-3.9B
Shares Outstanding	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992	274,103,992

SEC Filings

JSM - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 29, 2026	May 26, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	April 29, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 29, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 08, 2026	April 02, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 26, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 08, 2026	January 06, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 19, 2025	November 19, 2025	2025	View Filing
8-K 8-K 2025 N/A	October 29, 2025	October 29, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	October 29, 2025	September 30, 2025	2025	View Filing
10-Q 10-Q 2025 Q2 Q2	July 30, 2025	June 30, 2025	2025	View Filing

Showing 1 to 10 of 254 filings

Related Guides

Blog Categories

Continue your JSM research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.