JSM
Financial ServicesNavient Corporation SR NT 6% 121543 · Financial - Credit Services · $5B
What is Navient Corporation SR NT 6% 121543?
Navient Corporation provides asset management and business processing solutions across education, healthcare, and government sectors, headquartered in Herndon, VA.
Navient operates across federal education loan servicing, private consumer lending, and government and healthcare business processing. Revenue comes from managing legacy student loan portfolios and fee-based processing services for public-sector clients.
Is JSM a Good Stock to Buy?
UQS Score rates JSM as Below Average overall, reflecting weak Growth, Moat, and Risk pillar profiles.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
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Pro Analysis
JSM — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 34.5 | 45.1 | 26.0 | 14.0 | 0.0 | 92.7 | +0.3 |
| May 14, 2026 | 34.2 | 44.5 | 26.0 | 14.0 | 0.0 | 91.5 | -2.3 |
| May 7, 2026 | 36.5 | 50.0 | 26.0 | 14.0 | 0.0 | 98.2 | 0.0 |
| May 3, 2026 | 36.5 | 50.0 | 26.0 | 14.0 | 0.0 | 98.4 | 0.0 |
| Apr 19, 2026 | 36.5 | 50.0 | 26.0 | 14.0 | 0.0 | 98.3 | -0.1 |
| Apr 18, 2026 | 36.6 | 50.0 | 26.0 | 14.0 | 0.0 | 98.5 | +0.2 |
| Apr 2, 2026 | 36.4 | 50.0 | 26.0 | 14.0 | 0.0 | 97.6 | — |
JSM — Pillar Breakdown
Quality
— 45.1/100 (25%)Navient Corporation SR NT 6% 121543 has average quality metrics, with room for improvement in margins or capital efficiency.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 14.0/100 (20%)Navient Corporation SR NT 6% 121543 faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Risk
— 0.0/100 (15%)Navient Corporation SR NT 6% 121543 presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.0/100 (15%)Navient Corporation SR NT 6% 121543 appears attractively valued relative to its earnings, cash flows, and sector peers.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 26/100 (25%)Navient Corporation SR NT 6% 121543 operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for JSM.
Score Composition
Financial Data
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How is the JSM UQS Score Calculated?
The UQS (Unified Quality Score) for Navient Corporation SR NT 6% 121543 is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Navient Corporation SR NT 6% 121543's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Navient Corporation SR NT 6% 121543 is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.