MetricSide LogoMetricSide
Learn
  1. Home
  2. Companies
  3. JSM
OverviewMetricsPricesRevenue & ProfitAssets & LiabilitiesCash FlowMarginsPrice RatiosOthers
MetricSide

Standardized stock fundamentals and valuation metrics. Analyze revenue, EBITDA, free cash flow, and more with interactive charts.

Stock Sectors

  • Technology
  • Healthcare
  • Financials
  • Consumer
  • Industrials
  • Energy
  • Real Estate
  • Materials

Legal & Contact

  • Terms of Service
  • Privacy Policy
  • Contact Us
Not Financial Advice: MetricSide is a data aggregation and visualization tool. Nothing on this website constitutes investment advice, a recommendation, or a solicitation to buy or sell any security. All data is provided for informational and educational purposes only. Past performance is not indicative of future results. Always consult a qualified financial professional before making investment decisions. Data accuracy is not guaranteed — verify critical information against official sources.

© 2026 MetricSide. All rights reserved.

Navient Corporation - 6% Senior (JSM) Stock Fundamentals, Analysis & Risk Signals

Health score, competitive moat, risk signals, and key metrics at a glance.

NasdaqGS
D
WeakMetricSide Score: 24/100
ProfitabilityProfit6/30
GrowthGrowth6/25
Balance SheetBalance3/25
Cash QualityCash9/20
Price & Volume
Market Cap $1.67B

Moat Signals

Competitive analysis based on 49 quarters of fundamental data

Pricing Power

Weak Moat

Operating margins are under pressure, averaging -0.2%. The business may lack pricing power or face rising costs.'

Competitive Advantage

Weak Moat

ROE is low or negative, suggesting limited competitive advantage or capital allocation challenges.

Cash Generation

Moderate Moat

6 of the last 8 quarters generated positive FCF. The company generally funds itself but has occasional cash consumption quarters.

Demand Durability

Weak Moat

Revenue has been flat or declining over recent quarters, which may indicate eroding demand or competitive pressure.

Risk Signals

Data-driven red flags and warnings across 49 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 217.5% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Red Flag

FCF consistently trails net income (avg -5.7x) — earnings may be inflated by non-cash items or aggressive accounting.

Leverage Risk

Red Flag

D/E ratio is 16.5 — dangerously high. The company is heavily leveraged and vulnerable to rising rates or cash flow dips.

Revenue Decline

Red Flag

TTM revenue has contracted 24.4% — significant decline indicating deteriorating demand.

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Share Dilution

Healthy

Shares decreased 14.4% — net buybacks are reducing shares outstanding and boosting per-share value.

Metrics at a Glance

as of March 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$3.09B
24.5%
Q. Revenue
$716.00M
TTM EBITDA
$-68.00M
130.2%
TTM Op. Income
$-74.00M
191.4%
Q. Op. Income
$32.00M
TTM Net Income
$-61.00M
208.9%
Q. Net Income
$17.00M
EPS
$0.18
Shares Out.
$95.00M
6.9%
$3.09B in TTM revenue declined 24.5% YoY, reaching $716.00M last quarter. TTM EBITDA of $-68.00M and TTM operating income of $-74.00M shows growth is flowing through. However, net income is negative at $61.00M — growth is not yet reaching the bottom line. Revenue is contracting — assess whether this is cyclical or structural.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin
5.0%
Op. Margin
4.5%
840.1%
Net Margin
2.4%
1083.0%
Op. margin of 4.5% is up 5.1% YoY — cost efficiency is improving. Net margin at 2.4%.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
N/A
P/S Ratio
0.5x
P/B Ratio
0.7x
P/S of 0.5x and P/B of 0.7x. A low P/S may indicate the stock is undervalued.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$48.00B
Cash
$621.00M
Long-Term Debt
$39.24B
Book Value
$2.38B
D/E Ratio
16.5
Debt/EBITDA
1090.0
With $48.00B in assets and $39.24B in long-term debt, the D/E of 16.5and book value of $2.38B — indicates elevated leverage — the company has significant financial risk and may struggle in a downturn.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$-47.00M
TTM Free Cash Flow
$323.00M
7.2%
FCF Margin
10.5%
FCF / Net Income
-5.3
TTM FCF of $323.00M on $-47.00M in operating cash flow. The FCF / Net Income ratio of -5.3x shows cash consumption — the business is not yet self-funding.

Related Stocks

NVDA$4.57T
Nvidia
Semiconductors
GOOG$3.96T
Alphabet Inc. (Class C)
Internet Content & Information
AAPL$3.67T
Apple Inc.
Consumer Electronics
GOOGL$3.66T
Alphabet Inc. (Class A)
Internet Content & Information
MSFT$3.46T
Microsoft
Software - Infrastructure
AMZN$2.56T
Amazon
Internet Retail
META$1.66T
Meta Platforms
Internet Content & Information
AVGO$1.63T
Broadcom
Semiconductors