Navient Corporation SR NT 6% 121543
Navient Corporation SR NT 6% 121543 Fundamental Analysis
Navient Corporation SR NT 6% 121543 (JSM) shows weak financial fundamentals with a PE ratio of -23.03, profit margin of -2.54%, and ROE of -3.16%. The company generates $8.7B in annual revenue with weak year-over-year growth of 2.29%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 23.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze JSM's fundamental strength across five key dimensions:
Efficiency Score
WeakJSM struggles to generate sufficient returns from assets.
Valuation Score
ExcellentJSM trades at attractive valuation levels.
Growth Score
WeakJSM faces weak or negative growth trends.
Financial Health Score
WeakJSM carries high financial risk with limited liquidity.
Profitability Score
WeakJSM struggles to sustain strong margins.
Key Financial Metrics
Is JSM Expensive or Cheap?
P/E Ratio
JSM trades at -23.03 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, JSM's PEG of 0.14 indicates potential undervaluation.
Price to Book
The market values Navient Corporation SR NT 6% 121543 at 0.76 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.18 times EBITDA. This is generally considered low.
How Well Does JSM Make Money?
Net Profit Margin
For every $100 in sales, Navient Corporation SR NT 6% 121543 keeps $-2.54 as profit after all expenses.
Operating Margin
Core operations generate 81.69 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-3.16 in profit for every $100 of shareholder equity.
ROA
Navient Corporation SR NT 6% 121543 generates $-0.16 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Navient Corporation SR NT 6% 121543 produces operating cash flow of $1.23B, showing steady but balanced cash generation.
Free Cash Flow
Navient Corporation SR NT 6% 121543 generates strong free cash flow of $1.23B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $4.50 in free cash annually.
FCF Yield
JSM converts 8.67% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-23.03
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.14
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.76
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.64
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.11
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.41
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.03
vs 25 benchmark
ROA
Return on assets percentage
-0.00
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How JSM Stacks Against Its Sector Peers
| Metric | JSM Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -23.03 | 19.02 | Better (Cheaper) |
| ROE | -3.16% | 815.00% | Weak |
| Net Margin | -2.54% | 1816.00% | Weak |
| Debt/Equity | 2.11 | 0.98 | Weak (High Leverage) |
| Current Ratio | 0.41 | 670.62 | Weak Liquidity |
| ROA | -0.16% | -24633.00% (disorted) | Weak |
JSM outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Navient Corporation SR NT 6% 121543's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
74.24%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-53.09%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-3.71%
Industry Style: Value, Dividend, Cyclical
Declining