NAVIENT CORP(JSM)Stock Analysis
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Rank #2,721 of 2,961 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
Unusual Activity in JSM
Events flagged as statistical outliers against JSM's own multi-year baseline — not fixed dollar thresholds.
JSM Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for NAVIENT CORP (JSM), a Financials sector company. 13F Pro's AI-powered ranking engine scores JSM at 23.4/100 on a 32-signal composite quality model, placing it at rank #2,721 of 2,961 stocks — the bottom half of the AI-ranked universe. JSM scores in the top quartile across earnings quality (96.7), free cash flow (96.6). Areas of concern include revenue growth (1.8) and profitability (19.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 19.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), NAVIENT CORP reports quarterly revenue of $150.0M, net income of $25.0M. 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 20 and 70 since 2021, currently 23.4 — a declining long-term trajectory across 68 quarterly and live scoring snapshots.
Revenue
Q2 2026
$150.0M
Net Income
Q2 2026
$25.0M
ROIC
Q2 2026
0.3%
D/E Ratio
Q2 2026
18.49
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+125.1% YoYNet Income
-161.1% YoYEPS (Diluted)
-168.6% YoYTotal Assets
-6.0% YoYTotal Debt
-5.4% YoYOp. Cash Flow
-3.9% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $610.0M +125.1% | $271.0M -78.7% | $1.27B -26.8% | $1.74B -18.8% | $2.14B +27.1% | $1.68B |
| Net Income | $-80.0M -161.1% | $131.0M -42.5% | $228.0M -64.7% | $645.0M -10.0% | $717.0M +74.0% | $412.0M |
| EPS (Diluted) | $-0.81 -168.6% | $1.18 -36.2% | $1.85 -58.8% | $4.49 +7.4% | $4.18 +97.2% | $2.12 |
| Total Assets | $48.68B -6.0% | $51.79B -15.6% | $61.38B -13.3% | $70.80B -12.2% | $80.61B -7.8% | $87.41B |
| Total Debt | $45.71B -5.4% | $48.32B -16.2% | $57.63B -13.9% | $66.90B -13.1% | $76.98B -8.3% | $83.94B |
| Operating Cash Flow | $441.0M -3.9% | $459.0M -32.1% | $676.0M +121.6% | $305.0M -56.6% | $702.0M -28.9% | $987.0M |
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Available Research
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Top Institutional Holders of JSM
Sherborne Investors Management LP
$250.6M29,449,997 shBlackRock, Inc.
$110.2M12,953,626 shDIMENSIONAL FUND ADVISORS LP
$45.2M5,310,075 shVANGUARD CAPITAL MANAGEMENT LLC
$23.9M2,803,871 shSTATE STREET CORP
$23.4M2,744,553 shVANGUARD PORTFOLIO MANAGEMENT LLC
$20.5M2,403,294 shAMERICAN CENTURY COMPANIES INC
$17.2M2,025,374 shWELLINGTON MANAGEMENT GROUP LLP
$16.5M1,939,380 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$15.7M1,843,645 shGEODE CAPITAL MANAGEMENT, LLC
$14.8M1,734,114 sh
| Fund | Value | Shares |
|---|---|---|
| Sherborne Investors Management LP | $250.6M | 29,449,997 |
| BlackRock, Inc. | $110.2M | 12,953,626 |
| DIMENSIONAL FUND ADVISORS LP | $45.2M | 5,310,075 |
| VANGUARD CAPITAL MANAGEMENT LLC | $23.9M | 2,803,871 |
| STATE STREET CORP | $23.4M | 2,744,553 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $20.5M | 2,403,294 |
| AMERICAN CENTURY COMPANIES INC | $17.2M | 2,025,374 |
| WELLINGTON MANAGEMENT GROUP LLP | $16.5M | 1,939,380 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $15.7M | 1,843,645 |
| GEODE CAPITAL MANAGEMENT, LLC | $14.8M | 1,734,114 |
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Popular Research
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. JSM is classified as a small company.
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.