Stocktoria
NAVIENT CORP JSM
Nasdaq · XNAS · stock · Security Brokers, Dealers & Flotation Companies · website · IPO 2014-04-17
Chart by TradingView
3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
-78.7%
Dividend payout · safe
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | — | $271.0M | $321.0M | $332.0M | $507.0M |
| Net income | -$80.0M | $131.0M | $228.0M | $645.0M | $717.0M |
| Operating cash flow | $441.0M | $459.0M | $676.0M | $305.0M | $702.0M |
| Total assets | $48.7B | $51.8B | $61.4B | $70.8B | $80.6B |
| Total liabilities | $46.3B | $49.1B | $58.6B | $67.8B | $78.0B |
| Shareholders' equity | $2.4B | $2.6B | $2.8B | $3.0B | $2.6B |
| Ratios | |||||
| Net margin | — | 48.3% | 71.0% | 194.3% | 141.4% |
| Return on assets | -0.2% | 0.3% | 0.4% | 0.9% | 0.9% |
| Return on equity | -3.3% | 5.0% | 8.3% | 21.7% | 27.5% |
| Debt / equity | 16.94× | 16.35× | 19.35× | 20.50× | 28.56× |
| Revenue growth | — | -15.6% | -3.3% | -34.5% | 30.7% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| Point72 Asset Management, L.P. | 171,463 | $1.4M |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001593538 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.