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ZYBERNO

Stock Report

Updated Aug 26, 2026

Navient Corporation (JSM)

Financial Services • NASDAQ

$17.96

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

7.0/100

POOR BUSINESS

Navient Corporation (JSM) scores 7/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full JSM quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full JSM valuation analysis · → View full JSM Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-2.1%)

Debt-to-Equity (Solvency Risk):CRITICAL (16.73x)

Operating Margin (Operational Efficiency):CRITICAL (-1.8%)

Return on Capital (Capital Efficiency):CRITICAL (-0.1%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Navient Corporation (JSM) stock report — Zyberno Score 7/100 (POOR BUSINESS). Full financial analysis on Zyberno.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:17.96

Market Cap:$1.69B

Valuation Multiples (3)

P/B Ratio:0.70x

P/S Ratio:0.58x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$45.26B

Price Action & Momentum (3)

12-1 Momentum:

-1.4% (49th pctile)

📈 Click to view full JSM Momentum analysis →

Momentum Percentile:49 / 100

% of 52-Week High:129.5%

B. Profitability Assessment

Return Metrics (5)

ROE:

-2.1%

📊 Click to view full JSM ROE analysis →

ROA:-0.1%

Roic:

-0.1%

📊 Click to view full JSM ROIC analysis →

Reinvestment Rate:8.8%

Fundamental Growth Rate (g):0.0%

Margin Analysis (3)

Operating Margin Ttm:-1.8%

Net Margin Ttm:-1.7%

Ebitda Margin:-1.7%

TTM Performance (2)

Operating Margin Ttm:-1.8%

Net Margin Ttm:-1.7%

Yield Metrics (2)

Earnings Yield:-$2.73

Dividend Yield:3.6%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+0.88

📊 Click to view full JSM Earnings Surprise analysis →

EPS Surprise vs Expected:274.1%

Latest Earnings Filed:2026-08-07

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):-11.5%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-43.3%

Cash Flow Growth (Linear) (1)

Operating Cash Flow Growth Rate (Linear):-15.3%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):-41.6%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.02x

Quick Ratio:0.02x

Cash Ratio:0.02x

Leverage Analysis (3)

Debt To Equity Ttm:16.73x

Debt-to-Equity Ratio:16.73x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-0.05x

Times Interest Earned:-0.05

Capital Structure (4)

Working Capital:-44,129,000,000.00

Cash And Cash Equivalents:770,000,000.00

Long Term Debt:$40.12B

Net Debt:$43.57B

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $2.91B

Linear Growth: -11.5%

📊 Click to view full JSM Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00

Operating income TTM: -$53.00M

Linear Growth: -41.6%

📊 Click to view full JSM Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: -$50.00M

Linear Growth: -43.3%

📊 Click to view full JSM Net Income analysis & methodology →

Income Before Tax:-$53.00M

Ebitda Ttm:-50,000,000.00

Operating Expenses (5)

Operating Expenses:365,000,000.00

R And D Expense:0.00

Sga Expense:0.00

Income Tax Expense:-$3.00M

Interest Expense:2,391,000,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:0.0%

Ebitda Margin:-1.7%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$47.30B

Current Assets:$770.00M

Ppe Net:21,000,000.00

Goodwill:428,000,000.00

Intangible Assets:$10.00M

Liability Structure (4)

Total Liabilities:44,899,000,000.00

Current Liabilities:44,899,000,000.00

Long Term Debt:$40.12B

Short Term Debt:$4.21B

Equity & Capital (3)

Equity:$2.40B

Retained Earnings:$4.56B

Common Stock:1,125,000,000.00

Working Capital Items (3)

Accounts Receivable:10,000,000.00

Inventory:0.00

Accounts Payable:0.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:3,000,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $323.00M

Linear Growth: -15.3%

$0.00

Investment Activities (1)

Investing Cash Flow:$691.00M

Financing Activities (3)

Financing Cash Flow:-$617.00M

Dividends Paid Ttm:61,000,000.00

Stock Repurchase:23,000,000.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-0.48

Eps diluted TTM: -$0.49

Linear Growth: -38.0%

📊 Click to view full JSM EPS analysis & methodology →

Earnings Per Share Ttm:-$0.53

Revenue & Cash Per Share (2)

Sales Per Share Ttm:30.90

Operating Cash Flow Per Share:$4.69

Book Value & Capital (2)

Book Value Per Share:$25.51

Cash Per Share:8.19

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.06x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:290.50x

Days Sales Outstanding Ttm:1.26

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00

Cash Conversion Cycle:1.26

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:0.00

Quality Score:30.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (2)

Reinvestment Rate:8.8%

Fundamental Growth Rate (g):0.0%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):-11.5%

Net Income Growth Rate (Linear):-43.3%

Operating Income Growth Rate (Linear):-41.6%

Cash Flow Growth Rates (1)

Operating Cash Flow Growth Rate (Linear):-15.3%

Other Growth Rates (1)

Book Value Growth Rate (Linear):-6.1%

C. Company Profile & Context

Corporate Information (6)

Symbol:JSM

Company Name:Navient Corporation

Sector:Financial Services

Industry:Investment Services

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:94.00M

Shares Outstanding Basic:94.00M

Shares Outstanding Diluted:95.00M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-26 01:50:59 UTC

Data Timestamp:2026-08-26T01:50:59.085898