Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) Financials

JSM NASDAQ

Trailing 12 months to June 30, 2026

Revenue $600.0M -35.5% YoY

Net Income -$50.0M -247.1% YoY

EPS (Diluted) -$0.50 -256.2% YoY

Operating Cash Flow $340.0M +74.4% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the JSM SEC filings page.

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) reported $600.0M in revenue over the twelve months to Jun 30, 2026, down 35.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI JSM FY2025 2026-10-25

The balance sheet is shrinking, but FY2025’s loss and heavy liabilities show a finance-driven model under earnings pressure.

Financing economics dominate reported performance: FY2025 interest expense was $2.6B against revenue of $610M, leaving little resemblance to a conventional operating-margin story. That helps explain why the company recorded a net loss while still generating operating cash flow of $441M: earnings and cash are measuring different parts of the model.

Revenue fell 47.0% in FY2025, while total assets fell only 6.0%; the business is shrinking faster than its balance sheet. With liabilities at 95.1% of assets and debt-to-equity at 16.9x, deleveraging has reduced scale without changing the highly liability-funded structure.

FY2025 produced a net loss of $80M while operating cash flow remained $441M, making accounting earnings a poor standalone read on cash generation. Cash flow was broadly stable versus FY2024 even as profitability deteriorated from a $131M profit to a loss, pointing to substantial noncash or balance-sheet effects in reported earnings.

Financial Health Signals

Financial health score not available

Navient Corporation 6% Senior Notes due December 15, 2043 does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/7

Navient Corporation 6% Senior Notes due December 15, 2043 passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.

Earnings Quality Mixed

N/A

Navient Corporation 6% Senior Notes due December 15, 2043 reported a net loss of $80.0M while generating $441.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.

Key Financial Metrics

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Earnings & Revenue

Revenue

$150.0M

YoY-3.8%

QoQ-1.3%

5Y CAGR-21.3%

10Y CAGR-12.2%

Navient Corporation 6% Senior Notes due December 15, 2043 generated $150.0M in revenue in Q2 2026. This represents a decrease of 3.8% from the same quarter a year earlier. Against the prior quarter it is down 1.3%.

Net Income

$25.0M

YoY+78.6%

QoQ+47.1%

5Y CAGR-33.0%

10Y CAGR-14.9%

Navient Corporation 6% Senior Notes due December 15, 2043 reported $25.0M in net income in Q2 2026. This represents an increase of 78.6% from the same quarter a year earlier. Against the prior quarter it is up 47.1%.

EPS (Diluted)

$0.26

YoY+100.0%

QoQ+52.9%

5Y CAGR-24.4%

10Y CAGR-3.7%

Navient Corporation 6% Senior Notes due December 15, 2043 earned $0.26 per diluted share (EPS) in Q2 2026. This represents an increase of 100.0% from the same quarter a year earlier. Against the prior quarter it is up 52.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$770.0M

YoY+8.1%

QoQ+24.0%

5Y CAGR-11.9%

10Y CAGR-5.6%

Navient Corporation 6% Senior Notes due December 15, 2043 held $770.0M in cash against $40.1B in long-term debt as of Q2 2026.

Dividends Per Share

$0.16

YoY0.0%

QoQ0.0%

5Y CAGR0.0%

10Y CAGR0.0%

Navient Corporation 6% Senior Notes due December 15, 2043 paid $0.16 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

94M

YoY-5.7%

QoQ-0.2%

5Y CAGR-11.0%

10Y CAGR-11.5%

Navient Corporation 6% Senior Notes due December 15, 2043 had 94M shares outstanding in Q2 2026. This represents a decrease of 5.7% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

16.7%

YoY+7.7pp

QoQ+5.5pp

5Y change-20.5pp

10Y change-6.0pp

Navient Corporation 6% Senior Notes due December 15, 2043's net profit margin was 16.7% in Q2 2026, showing the share of revenue converted to profit. This is up 7.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.5 percentage points.

Return on Equity

1.0%

YoY+0.5pp

QoQ+0.3pp

5Y change-5.8pp

10Y change-2.4pp

Navient Corporation 6% Senior Notes due December 15, 2043's quarterly ROE was 1.0% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$3.0M

YoY-87.5%

QoQ-87.0%

5Y CAGR-56.8%

Navient Corporation 6% Senior Notes due December 15, 2043 spent $3.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 87.5% from the same quarter a year earlier. Against the prior quarter it is down 87.0%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

JSM Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

JSM quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Revenue	$600.0M	$610.0M-47.0%	$1.2B-9.4%	$1.3B-26.8%	$1.7B-18.8%	$2.1B+27.1%	$1.7B-17.6%	$2.0B+5.1%	$1.9B-12.0%	$2.2B-12.5%	$2.5B-19.2%	$3.1B-12.6%	$3.6B-11.8%	$4.1B+17.4%	$3.5B
Interest Expense	$2.4B	$2.6B-20.9%	$3.3B-8.0%	$3.6B+69.2%	$2.1B+59.7%	$1.3B-35.7%	$2.0B-41.3%	$3.5B-4.9%	$3.7B+23.5%	$3.0B+21.7%	$2.4B+17.7%	$2.1B+0.5%	$2.1B-6.7%	$2.2B-13.7%	$2.6B
Income Tax	-$3.0M	-$31.0M-172.1%	$43.0M-49.4%	$85.0M-53.3%	$182.0M-16.9%	$219.0M+82.5%	$120.0M-27.7%	$166.0M+24.8%	$133.0M-71.8%	$472.0M+10.5%	$427.0M-28.5%	$597.0M-12.3%	$681.0M-12.2%	$776.0M+55.8%	$498.0M
Net Income	-$50.0M	-$80.0M-161.1%	$131.0M-42.5%	$228.0M-64.7%	$645.0M-10.0%	$717.0M+74.0%	$412.0M-31.0%	$597.0M+51.1%	$395.0M+35.3%	$292.0M-57.1%	$681.0M-30.8%	$984.0M-13.5%	$1.1B-19.8%	$1.4B+51.0%	$939.0M
EPS (Basic)	N/A	-$0.81-167.5%	$1.20-35.8%	$1.87-58.8%	$4.54+7.3%	$4.23+97.7%	$2.14-17.4%	$2.59+70.4%	$1.52+43.4%	$1.06-50.7%	$2.15-17.9%	$2.62-3.3%	$2.71-14.8%	$3.18+64.8%	$1.93
EPS (Diluted)	-$0.50	-$0.81-168.6%	$1.18-36.2%	$1.85-58.8%	$4.49+7.4%	$4.18+97.2%	$2.12-17.2%	$2.56+71.8%	$1.49+43.3%	$1.04-50.9%	$2.12-17.8%	$2.58-3.0%	$2.66-14.7%	$3.12+64.2%	$1.90
Diluted Shares (Avg)	N/A	99M-10.8%	111M-9.8%	123M-14.6%	144M-16.3%	172M-11.8%	195M-16.3%	233M-11.7%	264M-6.0%	281M-12.7%	322M-15.7%	382M-10.1%	425M-5.3%	449M-7.0%	483M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$150.0M-3.8%	$152.0M-2.6%	$137.0M-38.3%	$161.0M-59.3%	$156.0M-36.8%	$156.0M-45.6%	$222.0M+0.9%	$396.0M-6.2%
Interest Expense	$560.0M-13.8%	$564.0M-16.1%	$628.0M-13.6%	$639.0M-22.8%	$650.0M-22.9%	$672.0M-23.2%	$727.0M-21.1%	$828.0M-5.8%
Income Tax	$14.0M+250.0%	$15.0Mn/m	-$1.0M-150.0%	-$31.0M-321.4%	$4.0M-66.7%	-$3.0M-120.0%	$2.0Mn/m	$14.0M-54.8%
Net Income	$25.0M+78.6%	$17.0Mn/m	-$6.0M-125.0%	-$86.0Mn/m	$14.0M-61.1%	-$2.0M-102.7%	$24.0Mn/m	-$2.0M-102.5%
EPS (Basic)	$0.27+92.9%	$0.18n/m	-$0.06-126.1%	-$0.87n/m	$0.14-56.3%	-$0.02-103.1%	$0.23n/m	-$0.02-103.0%
EPS (Diluted)	$0.26+100.0%	$0.17n/m	-$0.06-126.1%	-$0.87n/m	$0.13-59.4%	-$0.02-103.1%	$0.23n/m	-$0.02-103.1%
Diluted Shares (Avg)	95M-5.9%	96M-5.9%	N/A	98M-9.3%	101M-9.8%	102M-10.5%	N/A	108M-10.7%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

JSM Balance Sheet

JSM quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Total Assets	$48.7B-6.0%	$51.8B-15.6%	$61.4B-13.3%	$70.8B-12.2%	$80.6B-7.8%	$87.4B-7.9%	$94.9B-8.9%	$104.2B-9.4%	$115.0B-5.1%	$121.1B-9.6%	$134.0B-8.4%	$146.4B-8.3%	$159.5B	N/A
Cash & Equivalents	$637.0M-11.8%	$722.0M-13.9%	$839.0M-45.3%	$1.5B+69.6%	$905.0M-23.5%	$1.2B-4.1%	$1.2B-4.1%	$1.3B-15.3%	$1.5B+21.1%	$1.3B-21.4%	$1.6B+10.5%	$1.4B-72.2%	$5.2B+33.1%	$3.9B
Accounts Receivable	$12.0M-75.5%	$49.0M-51.5%	$101.0M+21.7%	$83.0M-47.8%	$159.0M+34.7%	$118.0M-0.8%	$119.0M+25.3%	$95.0M-12.0%	$108.0M+13.7%	$95.0M-71.1%	$329.0M	N/A	N/A	N/A
Goodwill	$428.0M0.0%	$428.0M-36.1%	$670.0M0.0%	$670.0M-0.1%	$671.0M+0.9%	$665.0M0.0%	$665.0M0.0%	$665.0M-5.1%	$701.0M+28.6%	$545.0M-1.1%	$551.0M+56.1%	$353.0M-10.4%	$394.0M	N/A
Total Liabilities	$46.3B-5.8%	$49.1B-16.2%	$58.6B-13.6%	$67.8B-13.1%	$78.0B-8.2%	$85.0B-7.2%	$91.6B-9.0%	$100.6B-9.8%	$111.5B-5.0%	$117.4B-9.8%	$130.1B-8.5%	$142.2B-7.6%	$153.9B	N/A
Long-Term Debt	$40.6B-5.9%	$43.2B-19.1%	$53.4B-12.5%	$61.0B-18.1%	$74.5B-3.7%	$77.3B-5.4%	$81.7B-12.6%	$93.5B-10.9%	$105.0B-6.5%	$112.4B-10.0%	$124.8B-8.8%	$136.9B+0.2%	$136.6B+4961.0%	$2.7B
Total Equity	$2.4B-9.2%	$2.6B-4.3%	$2.8B-7.3%	$3.0B+14.6%	$2.6B+6.7%	$2.4B-27.1%	$3.3B-5.2%	$3.5B+1.9%	$3.5B-6.6%	$3.7B-5.4%	$3.9B-6.9%	$4.2B-25.5%	$5.6B+11.3%	$5.1B
Retained Earnings	$4.6B-3.1%	$4.7B+1.3%	$4.6B+3.3%	$4.5B+14.0%	$3.9B+18.3%	$3.3B-9.1%	$3.7B+13.9%	$3.2B+7.1%	$3.0B+3.9%	$2.9B+19.7%	$2.4B+40.0%	$1.7B-33.3%	$2.6B	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$47.3B-5.8%	$48.0B-5.8%	$48.7B-6.0%	$49.3B-7.7%	$50.2B-11.3%	$51.0B-13.7%	$51.8B-15.6%	$53.4B-15.7%
Cash & Equivalents	$770.0M+8.1%	$621.0M-3.3%	$637.0M-11.8%	$571.0M-50.0%	$712.0M-34.6%	$642.0M-22.0%	$722.0M-13.9%	$1.1B+17.0%
Accounts Receivable	$10.0M-47.4%	$11.0M-42.1%	$12.0M-75.5%	$15.0M-73.7%	$19.0M-78.4%	$19.0M-79.1%	$49.0M-51.5%	$57.0M-41.2%
Goodwill	$428.0M	$428.0M	$428.0M0.0%	N/A	N/A	N/A	$428.0M-36.1%	$428.0M
Total Liabilities	$44.9B-5.8%	$45.6B-5.7%	$46.3B-5.8%	$46.9B-7.6%	$47.7B-11.5%	$48.4B-14.0%	$49.1B-16.2%	$50.7B-16.1%
Long-Term Debt	$40.1B-5.2%	$39.2B-8.5%	$40.6B-5.9%	$41.4B-7.3%	$42.3B-10.9%	$42.9B-15.7%	$43.2B-19.1%	$44.7B-18.6%
Total Equity	$2.4B-6.5%	$2.4B-8.1%	$2.4B-9.2%	$2.4B-9.5%	$2.6B-6.7%	$2.6B-6.4%	$2.6B-4.3%	$2.7B-7.0%
Retained Earnings	$4.6B-2.4%	$4.6B-2.7%	$4.6B-3.1%	$4.6B-2.5%	$4.7B-0.8%	$4.7B-0.3%	$4.7B+1.3%	$4.7B+0.1%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

JSM Cash Flow Statement

JSM quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Operating Cash Flow	$340.0M	$441.0M-3.9%	$459.0M-32.1%	$676.0M+121.6%	$305.0M-56.6%	$702.0M-28.9%	$987.0M-3.1%	$1.0B-10.6%	$1.1B-1.6%	$1.2B-14.0%	$1.3B-29.5%	$1.9B+14.8%	$1.7B-16.8%	$2.0B-24.1%	$2.6B
Stock-Based Compensation	N/A	$21.0M-8.7%	$23.0M-4.2%	$24.0M+26.3%	$19.0M-13.6%	$22.0M+22.2%	$18.0M-28.0%	$25.0M0.0%	$25.0M-28.6%	$35.0M+34.6%	$26.0M-10.3%	$29.0M-25.6%	$39.0M-17.0%	$47.0M0.0%	$47.0M
Investing Cash Flow	$2.6B	$2.7B-68.0%	$8.5B+15.1%	$7.4B-30.5%	$10.6B+58.6%	$6.7B+3.5%	$6.4B-13.9%	$7.5B-27.8%	$10.4B+45.5%	$7.1B-36.9%	$11.3B+5.6%	$10.7Bn/m	-$1.7B-117.9%	$9.2B-22.2%	$11.8B
Financing Cash Flow	-$2.9B	-$3.2Bn/m	-$9.6Bn/m	-$10.0Bn/m	-$9.7Bn/m	-$7.3Bn/m	-$7.7Bn/m	-$10.0Bn/m	-$10.9Bn/m	-$8.3Bn/m	-$13.1B	N/A	N/A	N/A	N/A
Dividends Paid	$61.0M	$63.0M-10.0%	$70.0M-10.3%	$78.0M-14.3%	$91.0M-15.0%	$107.0M-13.0%	$123.0M-16.3%	$147.0M-11.4%	$166.0M-5.7%	$176.0M-12.4%	$201.0M-16.3%	$240.0M-3.6%	$249.0M-5.7%	$264.0M+11.4%	$237.0M
Share Buybacks	$78.0M	$111.0M-38.0%	$179.0M-42.3%	$310.0M-22.5%	$400.0M-33.3%	$600.0M+50.0%	$400.0M-9.1%	$440.0M+100.0%	$220.0M-50.0%	$440.0M-41.7%	$755.0M-20.1%	$945.0M+57.5%	$600.0M0.0%	$600.0M-33.3%	$900.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$143.0M+13.5%	-$47.0M-166.2%	$174.0M+2075.0%	$70.0Mn/m	$126.0M-54.8%	$71.0M-61.0%	$8.0M-97.4%	-$10.0M-108.2%
Stock-Based Compensation	N/A	$3.0M-62.5%	N/A	N/A	N/A	$8.0M+60.0%	N/A	N/A
Investing Cash Flow	$639.0M-14.2%	$691.0M+4.5%	$747.0M-17.6%	$559.0M-71.5%	$745.0M-77.2%	$661.0M-71.6%	$907.0M-55.2%	$2.0B+18.2%
Financing Cash Flow	-$774.0Mn/m	-$617.0Mn/m	-$689.0Mn/m	-$834.0Mn/m	-$849.0Mn/m	-$780.0Mn/m	-$1.6Bn/m	-$3.2Bn/m
Dividends Paid	$15.0M-6.3%	$15.0M-6.3%	$15.0M-11.8%	$16.0M-11.1%	$16.0M-5.9%	$16.0M-11.1%	$17.0M-10.5%	$18.0M-5.3%
Share Buybacks	$3.0M-87.5%	$23.0M-34.3%	$26.0M-60.0%	$26.0M-21.2%	$24.0M-36.8%	$35.0M-18.6%	$65.0M-7.1%	$33.0M-56.0%

Not reported in any period shown, so not listed: Depreciation & Amortization, Capital Expenditures, Free Cash Flow.

JSM Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

JSM quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Net Margin	-13.1%-24.5pp	11.4%-6.6pp	17.9%-19.2pp	37.1%+3.6pp	33.5%+9.0pp	24.5%-4.8pp	29.3%+8.9pp	20.3%+7.1pp	13.2%-13.8pp	27.0%-4.5pp	31.5%-0.3pp	31.8%-3.2pp	35.0%+7.8pp	27.2%
Return on Equity	-3.3%-8.3pp	5.0%-3.3pp	8.3%-13.4pp	21.7%-5.9pp	27.6%+10.7pp	16.9%-1.0pp	17.9%+6.7pp	11.2%+2.8pp	8.5%-10.0pp	18.4%-6.8pp	25.2%-1.9pp	27.1%+1.9pp	25.2%+6.6pp	18.5%
Return on Assets	-0.2%-0.4pp	0.3%-0.1pp	0.4%-0.5pp	0.9%0.0pp	0.9%+0.4pp	0.5%-0.2pp	0.6%+0.3pp	0.4%+0.1pp	0.3%-0.3pp	0.6%-0.2pp	0.7%0.0pp	0.8%-0.1pp	0.9%	N/A
Debt-to-Equity	16.94+0.6x	16.35-3.0x	19.35-1.2x	20.50-8.2x	28.68-3.1x	31.78+7.3x	24.49-2.1x	26.58-3.8x	30.400.0x	30.38-1.6x	31.93-0.7x	32.60+8.4x	24.24+23.7x	0.53
Liabilities-to-Equity	19.29+0.7x	18.61-2.6x	21.24-1.5x	22.78-7.3x	30.03-4.9x	34.92+7.5x	27.44-1.2x	28.60-3.7x	32.28+0.5x	31.74-1.5x	33.29-0.6x	33.86+6.6x	27.30	N/A
Asset Turnover	0.010.0x	0.020.0x	0.020.0x	0.020.0x	0.030.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.03	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	16.7%+7.7pp	11.2%+12.5pp	-4.4%-15.2pp	-53.4%-52.9pp	9.0%-5.6pp	-1.3%-26.7pp	10.8%+23.5pp	-0.5%-19.2pp
Return on Equity	1.0%+0.5pp	0.7%+0.8pp	-0.3%-1.2pp	-3.5%-3.5pp	0.5%-0.8pp	-0.1%-2.7pp	0.9%+1.9pp	-0.1%-2.8pp
Return on Assets	0.1%0.0pp	0.0%0.0pp	0.0%-0.1pp	-0.2%-0.2pp	0.0%0.0pp	0.0%-0.1pp	0.1%+0.1pp	0.0%-0.1pp
Debt-to-Equity	16.73+0.2x	16.49-0.1x	16.94+0.6x	16.98+0.4x	16.52-0.8x	16.56-1.8x	16.35-3.0x	16.59-2.4x
Liabilities-to-Equity	18.72+0.1x	19.18+0.5x	19.29+0.7x	19.22+0.4x	18.59-1.0x	18.68-1.7x	18.61-2.6x	18.84-2.0x
Asset Turnover	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Where Navient Corporation 6% Senior Notes due December 15, 2043 Ranks

Frequently Asked Questions

What is Navient Corporation 6% Senior Notes due December 15, 2043's annual revenue?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) reported $610.0M in total revenue for fiscal year 2025. This represents a -47.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Navient Corporation 6% Senior Notes due December 15, 2043's revenue growing?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) revenue declined by 47.0% year-over-year, from $1.2B to $610.0M in fiscal year 2025.

Is Navient Corporation 6% Senior Notes due December 15, 2043 profitable?

No, Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) reported a net loss of $50.0M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net loss of $80.0M, with a net profit margin of -13.1%.

How much debt does Navient Corporation 6% Senior Notes due December 15, 2043 have?

As of fiscal year 2025, Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) had $637.0M in cash and equivalents against $40.6B in long-term debt.

What is Navient Corporation 6% Senior Notes due December 15, 2043's net profit margin?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) had a net profit margin of -13.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Navient Corporation 6% Senior Notes due December 15, 2043 pay dividends?

Yes, Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) paid $0.64 per share in dividends during fiscal year 2025.

What is Navient Corporation 6% Senior Notes due December 15, 2043's return on equity (ROE)?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) has a return on equity of -3.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Navient Corporation 6% Senior Notes due December 15, 2043's operating cash flow?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) generated $441.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Navient Corporation 6% Senior Notes due December 15, 2043's total assets?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) had $48.7B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Navient Corporation 6% Senior Notes due December 15, 2043 buy back shares?

Yes, Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) spent $111.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Navient Corporation 6% Senior Notes due December 15, 2043 have outstanding?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) had 95M shares outstanding as of fiscal year 2025.

What is Navient Corporation 6% Senior Notes due December 15, 2043's debt-to-equity ratio?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) had a debt-to-equity ratio of 16.94 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is Navient Corporation 6% Senior Notes due December 15, 2043's liabilities-to-equity ratio?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) had a liabilities-to-equity ratio of 19.29 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is Navient Corporation 6% Senior Notes due December 15, 2043's return on assets (ROA)?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) had a return on assets of -0.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Navient Corporation 6% Senior Notes due December 15, 2043's Piotroski F-Score?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Navient Corporation 6% Senior Notes due December 15, 2043's earnings high quality?

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) reported a net loss of $80.0M while generating $441.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Navient Corporation 6% Senior Notes due December 15, 2043 (JSM) Financials

The balance sheet is shrinking, but FY2025’s loss and heavy liabilities show a finance-driven model under earnings pressure.

Financial Health Signals

Key Financial Metrics

Earnings & Revenue

Cash & Balance Sheet

Margins & Returns

Capital Allocation

JSM Income Statement

JSM Balance Sheet

JSM Cash Flow Statement

JSM Financial Ratios

Where Navient Corporation 6% Senior Notes due December 15, 2043 Ranks

Frequently Asked Questions

What is Navient Corporation 6% Senior Notes due December 15, 2043's annual revenue?

How fast is Navient Corporation 6% Senior Notes due December 15, 2043's revenue growing?

Is Navient Corporation 6% Senior Notes due December 15, 2043 profitable?

What is Navient Corporation 6% Senior Notes due December 15, 2043's earnings per share (EPS)?

How much debt does Navient Corporation 6% Senior Notes due December 15, 2043 have?

What is Navient Corporation 6% Senior Notes due December 15, 2043's net profit margin?

Does Navient Corporation 6% Senior Notes due December 15, 2043 pay dividends?

What is Navient Corporation 6% Senior Notes due December 15, 2043's return on equity (ROE)?

What is Navient Corporation 6% Senior Notes due December 15, 2043's operating cash flow?

What are Navient Corporation 6% Senior Notes due December 15, 2043's total assets?

Does Navient Corporation 6% Senior Notes due December 15, 2043 buy back shares?

How many shares does Navient Corporation 6% Senior Notes due December 15, 2043 have outstanding?

What is Navient Corporation 6% Senior Notes due December 15, 2043's debt-to-equity ratio?

What is Navient Corporation 6% Senior Notes due December 15, 2043's liabilities-to-equity ratio?

What is Navient Corporation 6% Senior Notes due December 15, 2043's return on assets (ROA)?

What is Navient Corporation 6% Senior Notes due December 15, 2043's Piotroski F-Score?

Are Navient Corporation 6% Senior Notes due December 15, 2043's earnings high quality?