SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Navient Corporation SR NT 6% 121543 (JSM) has a negative trailing P/E of -22.7, meaning the company is currently unprofitable on a trailing twelve-month (TTM) basis. Trailing earnings yield is -4.41%.
Criteria proven by this page:
- VALUE (35/100, Fail) — negative P/E indicates the company is currently operating at a loss — DCF and P/E-based valuation models cannot produce meaningful results for unprofitable companies (P/E -22.7); trailing earnings yield is below the 10-year Treasury yield (~4.3%), meaning bonds offer a better return (EY -4.41%).
- Trailing Earnings Yield -4.41% — negative yield confirms the company is currently unprofitable. Investors are paying for a turnaround rather than current earnings.
- Analyst consensus target $17.50 (-4.3% downside) — slight downside risk — the market may be ahead of analyst expectations.
Overall SharesGrow Score: 40/100 with 1/7 criteria passed.
SharesGrow 7-Criteria Score
✗
VALUE
35/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
0/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — JSM
Valuation Multiples
P/E (TTM)-22.7
Forward P/EN/A
PEG RatioN/A
Forward PEGN/A
P/B Ratio0.75
P/S Ratio1.61
EV/EBITDA4.5
Per Share Data
EPS (TTM)$-0.81
Book Value / Share$24.48
Revenue / Share$31.70
FCF / Share$4.50
Yields & Fair Value
Earnings Yield-4.41%
Dividend Yield8.21%
SharesGrow IV$19.04 (+4.1%)
Analyst Target$17.50 (-4.3%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
10.5 |
-0.59 |
1.93 |
1.72 |
2.82% |
| 2017 |
22.9 |
-0.45 |
1.93 |
1.52 |
2.64% |
| 2018 |
11.0 |
0.25 |
1.24 |
0.89 |
3.81% |
| 2019 |
9.4 |
0.13 |
1.68 |
1.20 |
2.63% |
| 2020 |
11.9 |
-0.69 |
2.01 |
1.48 |
2.52% |
| 2021 |
6.1 |
0.06 |
1.68 |
1.91 |
2.46% |
| 2022 |
3.9 |
0.53 |
0.85 |
1.53 |
3.60% |
| 2023 |
11.6 |
-0.20 |
0.96 |
2.28 |
2.95% |
| 2024 |
14.8 |
-0.42 |
0.73 |
0.51 |
3.62% |
| 2025 |
-24.9 |
0.15 |
0.83 |
0.64 |
3.16% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$2.11 |
$4.15B |
$681M |
16.4% |
| 2017 |
$1.04 |
$4.38B |
$292M |
6.7% |
| 2018 |
$1.50 |
$4.91B |
$395M |
8% |
| 2019 |
$2.56 |
$4.67B |
$597M |
12.8% |
| 2020 |
$2.11 |
$3.3B |
$412M |
12.5% |
| 2021 |
$4.17 |
$2.65B |
$717M |
27.1% |
| 2022 |
$4.48 |
$3.22B |
$645M |
20% |
| 2023 |
$1.85 |
$1.16B |
$228M |
19.7% |
| 2024 |
$1.20 |
$3.81B |
$131M |
3.4% |
| 2025 |
$-0.82 |
$3.11B |
$-80M |
-2.6% |
