What is the 13F Pro Quality Score for JSM?

13F Pro ranks NAVIENT CORP (JSM) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View JSM's current score at https://13fpro.ai/research/JSM (free sign-up required for the full ranking).

Where does 13F Pro source JSM data?

All NAVIENT CORP fundamentals and ownership data come directly from SEC EDGAR. NAVIENT CORP files with the SEC under CIK 1593538. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is JSM in?

NAVIENT CORP (JSM) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is JSM research updated on 13F Pro?

JSM's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

NAVIENT CORP(JSM)Stock Analysis

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13F Pro Quality Score

35.5/100

Rank #2,139 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

7.4/100

Profitability

17.1/100

Balance Sheet

35.2/100

Earnings Quality

30.0/100

Free Cash Flow

95.7/100

Institutional Flow

77.5/100

Revenue Scale

30.3/100

Dilution Risk

20.0/100

JSM Stock Analysis & AI Quality Score

AI stock analysis and institutional research for NAVIENT CORP (JSM), a Financials sector company. 13F Pro's AI-powered ranking engine scores JSM at 35.5/100 on a 32-signal composite quality model, placing it at rank #2,139 of 2,879 stocks — the bottom half of the AI-ranked universe. JSM scores in the top quartile across free cash flow (95.7), institutional flow (77.5). Areas of concern include revenue growth (7.4) and profitability (17.1), which score below median versus the broader universe. Shareholder dilution risk is elevated at 20.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), NAVIENT CORP reports net income of $17.0M, free cash flow of $-47.0M. Top institutional holders of JSM by reported 13-F value include Sherborne Investors Management, BlackRock,, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. JSM trades on the Nasdaq exchange and files with the SEC under CIK 1593538. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate JSM daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for NAVIENT CORP directly from SEC EDGAR. NAVIENT CORP's 13F Pro composite quality score has ranged between 8 and 70 since 2021, currently 35.5 — a declining long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about NAVIENT CORP

Quirks, history, and lore behind JSM — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mid-cap · listed on Nasdaq · headquartered in Delaware.
2
The Numbers
Manages a student loan portfolio worth roughly $50 billion — one of the largest in the country — while serving millions of borrowers.
3
The History
Spun off from Sallie Mae in 2014, it inherited the unglamorous but enormous job of servicing and collecting on federal and private student loans.
4
The Secret
Its business model is essentially loan administration and debt collection — it doesn't make new loans so much as it manages and monetizes old ones for decades.
5
The Lore
Few companies have attracted as many state attorney general lawsuits and CFPB complaints as this one — it became a lightning rod in America's student debt crisis debate.
6
The Giveaway
The name itself is a portmanteau nod to its Sallie Mae parentage, and if you've ever struggled to repay a federal student loan, there's a good chance you've written a check to this servicer.

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Net Income

Q1 2026

$17.0M

Free Cash Flow

Q1 2026

$-47.0M

ROIC

Q1 2026

0.1%

D/E Ratio

Q1 2026

18.96

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

—FY 2025

FY19 $391.0MFY20 $388.0MFY21 $507.0MFY25 —

Net Income

-111.2% YoY

$-80.0MFY 2025

FY19 $597.0MFY20 $412.0MFY21 $717.0MFY25 $-80.0M

EPS (Diluted)

-119.4% YoY

$-0.81FY 2025

FY19 $2.56FY20 $2.12FY21 $4.18FY25 $-0.81

Total Assets

-39.6% YoY

$48.68BFY 2025

FY19 $94.90BFY20 $87.41BFY21 $80.61BFY25 $48.68B

Total Debt

-40.6% YoY

$45.71BFY 2025

FY19 $90.20BFY20 $83.94BFY21 $76.98BFY25 $45.71B

Op. Cash Flow

-37.2% YoY

$441.0MFY 2025

FY19 $1.02BFY20 $987.0MFY21 $702.0MFY25 $441.0M

Metric	FY 2025	FY 2021	FY 2020	FY 2019	FY 2018	FY 2013
Revenue	—	$507.0M +30.7%	$388.0M -0.8%	$391.0M +8.9%	$359.0M	—
Net Income	$-80.0M -111.2%	$717.0M +74.0%	$412.0M -31.0%	$597.0M +51.1%	$395.0M -72.1%	$1.42B
EPS (Diluted)	$-0.81 -119.4%	$4.18 +97.2%	$2.12 -17.2%	$2.56 +71.8%	$1.49 -52.2%	$3.12
Total Assets	$48.68B -39.6%	$80.61B -7.8%	$87.41B -7.9%	$94.90B -8.9%	$104.18B -34.7%	$159.54B
Total Debt	$45.71B -40.6%	$76.98B -8.3%	$83.94B -6.9%	$90.20B -8.8%	$98.94B -34.2%	$150.44B
Operating Cash Flow	$441.0M -37.2%	$702.0M -28.9%	$987.0M -3.1%	$1.02B -10.6%	$1.14B -43.0%	$2.00B

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Available Research

13F Pro tracks comprehensive data for NAVIENT CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of JSM

Sherborne Investors Management LP
$240.9M29,449,997 sh
BlackRock, Inc.
$104.0M12,715,881 sh
DIMENSIONAL FUND ADVISORS LP
$52.2M6,383,533 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$30.1M3,677,525 sh
VANGUARD CAPITAL MANAGEMENT LLC
$23.6M2,890,771 sh
STATE STREET CORP
$21.3M2,602,873 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$17.9M2,189,204 sh
AMERICAN CENTURY COMPANIES INC
$17.2M2,098,234 sh
GEODE CAPITAL MANAGEMENT, LLC
$14.2M1,736,179 sh
Paloma Partners Management Co
$12.3M1,500,000 sh

Fund	Value	Shares
Sherborne Investors Management LP	$240.9M	29,449,997
BlackRock, Inc.	$104.0M	12,715,881
DIMENSIONAL FUND ADVISORS LP	$52.2M	6,383,533
VANGUARD PORTFOLIO MANAGEMENT LLC	$30.1M	3,677,525
VANGUARD CAPITAL MANAGEMENT LLC	$23.6M	2,890,771
STATE STREET CORP	$21.3M	2,602,873
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$17.9M	2,189,204
AMERICAN CENTURY COMPANIES INC	$17.2M	2,098,234
GEODE CAPITAL MANAGEMENT, LLC	$14.2M	1,736,179
Paloma Partners Management Co	$12.3M	1,500,000

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Is JSM a good stock to buy?

13F Pro's AI-powered analysis of NAVIENT CORP (JSM) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for JSM are available on the JSM stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own JSM?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling JSM. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of NAVIENT CORP's investment landscape.