Business quality is the primary weakness (avg 40/100). No single area scores well.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Negative earnings, no valuation support
0.6x book, trading near or below equity
Not enough quarterly data
for a 1-year trend
Below 2%, essentially flat
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
Below 2%, weak capital productivity
5.1% equity/assets, adequate
Net margin compressed >2pp, profitability pressure
Navient (JSM) quality: score, margins and returns
Navient (JSM) scores 46/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 7 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Navient (JSM) a high-quality business?+
Navient scores 46 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which rates it a mixed business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Navient's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from JSM's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Navient scores well and where it falls behind.
SourceQuality score computed from the 10-Q filed 30 Jun 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 8 Aug 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
Security Brokers, Dealers & Flotation Companies · Pick stocks to compare with JSM
Held by ETFs
JSM is in 45 US ETFs. The largest of them, with JSM's weight in each:
iShares Core S&P Small-Cap ETFIJR0.03%of the fund
Vanguard Small-Cap Value ETFVBR0.01%of the fund
Avantis U.S. Small Cap Value ETFAVUV0.05%of the fund
Dimensional US Marketwide Value ETFDFUV0.00%of the fund
Spot a number that looks wrong? Check it in JSM's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Keep analysing JSM
Create a free account and get 14 days of Premium: every stock and every tool.
- Unlimited stocks
- Stock screener
- Portfolio tracker
- Editable DCF
- Compare side by side
- Unlimited alerts
No card. Moves to Free after, unless you upgrade.
Already have an account?
Or come back tomorrow. Stocks on your watchlist are always free to view.