JSM Navient Corporation - 6% Senior Notes due December 15, 2043
NASDAQ · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$16.72
· of 52w range
· above low
· to high
$16.2952w low
$20.6552w high
Market Cap (MRQ)
$7.83B
P/E
-20.7
EPS
$-0.81
Revenue
$271M
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52W Range
$16–$21
Analyst Rating
HOLD
Price Target
·
P/E
-20.7
ROE
-3.2%
Net Profit Margin
-13.1%
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JSM Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$16.72
Market Cap (MRQ)
$7.83B
P/E
-20.7
EPS
$-0.81
Revenue
$271M
Div Yield
0.80%
ROE
-3.2%
Debt/Equity (MRQ)
1.8
52W Range
$16–$21
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue$271M2018-12-31 → 2024-12-31
EPS$-0.812016-12-31 → 2025-12-31
Net margin-13.1%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | JSM | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | -20.75Y avg ≈2.3 | ≈2.3 | · | · | |
| P/S | 25.05Y avg ≈27.8 | ≈27.8 | 1.7 | Overvalued | |
| P/B (MRQ) | 3.35Y avg ≈3.6 | ≈3.6 | 2.9 | Overvalued | |
| Price / Cash Flow | 17.75Y avg ≈19.5 | ≈19.5 | 6.2 | Overvalued | |
| EV / Revenue | 39.25Y avg ≈39.3 | ≈39.3 | · | · | |
| Price / Tangible Book | 4.05Y avg ≈4.6 | ≈4.6 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | JSM | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | -18.2%5Y avg ≈115.4% | ≈115.4% | 23.7% | In line | |
| Net Profit Margin | -13.1%5Y avg ≈88.4% | ≈88.4% | 15.6% | In line | |
| ROA | -0.16%5Y avg ≈0.42% | ≈0.42% | 3.5% | Weak | |
| ROE | -3.2%5Y avg ≈12.0% | ≈12.0% | 15.2% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | JSM | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 1.85Y avg ≈1.7 | ≈1.7 | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | JSM | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -15.6%5Y avg ≈-5.7% | ≈-5.7% | · | · | |
| Revenue CAGR 3Y | -18.8% | · | · | · | |
| EPS YoY | -36.2%5Y avg ≈2.4% | ≈2.4% | · | · | |
| Net Income YoY | -42.5%5Y avg ≈-10.8% | ≈-10.8% | · | · | |
| EPS CAGR 3Y | -34.4% | · | · | · | |
| Net Income CAGR 3Y | -43.3% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | JSM | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.3 | Weak |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield0.80%
Payout Ratio-78.8%
Annualized Payout≈$1.50
5Y Div CAGR≈0.00%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 14, 2026 | $0.38 | USD | ≈8.5% |
| Jun 12, 2026 | $0.38 | USD | ≈8.4% |
| Mar 13, 2026 | $0.38 | USD | ≈8.1% |
| Dec 12, 2025 | $0.38 | USD | ≈7.8% |
| Sep 12, 2025 | $0.38 | USD | ≈7.6% |
| Jun 13, 2025 | $0.38 | USD | ≈8.2% |
| Mar 14, 2025 | $0.38 | USD | ≈7.9% |
| Dec 13, 2024 | $0.38 | USD | ≈7.7% |
| Sep 13, 2024 | $0.38 | USD | ≈7.3% |
| Jun 14, 2024 | $0.38 | USD | ≈7.9% |
| Mar 13, 2024 | $0.38 | USD | ≈7.1% |
| Dec 13, 2023 | $0.38 | USD | ≈7.7% |
| Sep 13, 2023 | $0.38 | USD | ≈6.2% |
| Jun 13, 2023 | $0.38 | USD | ≈5.7% |
| Mar 13, 2023 | $0.38 | USD | ≈6.2% |
| Sep 13, 2022 | $0.38 | USD | ≈5.1% |
| Jun 13, 2022 | $0.38 | USD | ≈5.5% |
| Mar 11, 2022 | $0.38 | USD | ≈5.0% |
| Sep 13, 2021 | $0.38 | USD | ≈5.9% |
| Jun 11, 2021 | $0.38 | USD | ≈6.0% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-99.0%
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | $0.29 | $0.20 | 42.6% | |
| March 31, 2026 | $0.20 | $0.16 | 22.2% | |
| Dec. 31, 2025 | $0.02 | $0.32 | -93.8% | |
| Sept. 30, 2025 | $-0.84 | $0.18 | -564.6% | |
| June 30, 2025 | $0.21 | $0.27 | -23.4% | |
| March 31, 2025 | $0.25 | $0.20 | 23.1% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | $271M | $321M | $332M | $507M | $388M | $391M | $359M | |
| Operating Expenses | $421M | $680M | $800M | $776M | $1.21B | $964M | $984M | $984M | |
| Interest Expense | · | · | $3.56B | $2.10B | $1.32B | $2.05B | $3.49B | $3.67B | |
| Interest Income | $3.11B | $3.81B | $4.42B | $3.22B | $2.65B | $3.30B | $4.67B | $4.91B | |
| Pretax Income | $-111M | $174M | $313M | $827M | $936M | $532M | $763M | $528M | |
| Income Tax | $-31M | $43M | $85M | $182M | $219M | $120M | $166M | $133M | |
| Net Income | $-80M | $131M | $228M | $645M | $717M | $412M | $597M | $395M | |
| EPS (Basic) | $-0.81 | $1.20 | $1.87 | $4.54 | $4.23 | $2.14 | $2.59 | $1.52 | |
| EPS (Diluted) | $-0.81 | $1.18 | $1.85 | $4.49 | $4.18 | $2.12 | $2.56 | $1.49 | |
| Shares (Basic) | 99,000,000 | 109,000,000 | 122,000,000 | 142,000,000 | 170,000,000 | 193,000,000 | 230,000,000 | 260,000,000 | |
| Shares (Diluted) | 99,000,000 | 111,000,000 | 123,000,000 | 144,000,000 | 172,000,000 | 195,000,000 | 233,000,000 | 264,000,000 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $637M | $722M | $839M | $1.53B | $905M | $1.18B | $1.23B | $1.29B | |
| PP&E (Net) | $23M | $52M | $62M | $74M | $95M | $116M | $135M | $136M | |
| Goodwill | $428M | $428M | $670M | $670M | $671M | $665M | $665M | $665M | |
| Intangibles | $6M | $9M | $25M | $35M | $55M | $70M | $92M | $121M | |
| Total Assets | $48.68B | $51.79B | $61.38B | $70.80B | $80.61B | $87.41B | $94.90B | $104.18B | |
| Short-term Debt | $5.07B | $5.13B | $4.23B | $5.87B | $2.49B | $6.61B | $8.48B | $5.42B | |
| Total Liabilities | $46.28B | $49.15B | $58.62B | $67.82B | $78.00B | $84.97B | $91.55B | $100.63B | |
| Long-term Debt | $40.63B | $43.18B | $53.40B | $61.03B | $74.49B | $77.33B | $81.72B | $93.52B | |
| Total Debt | $5.07B | $5.13B | $4.23B | $5.87B | $2.49B | $6.61B | $8.48B | $5.42B | |
| Common Stock | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | |
| Retained Earnings | $4.55B | $4.70B | $4.64B | $4.49B | $3.94B | $3.33B | $3.66B | $3.22B | |
| Treasury Stock | $5.56B | $5.44B | $5.25B | $4.92B | $4.50B | $3.85B | $3.44B | $2.96B | |
| AOCI | $2M | $3M | $19M | $87M | $-133M | $-274M | $-91M | $113M | |
| Stockholders' Equity | $2.40B | $2.64B | $2.76B | $2.98B | $2.61B | $2.45B | $3.34B | $3.52B | |
| Liabilities + Equity | $48.68B | $51.79B | $61.38B | $70.80B | $80.61B | $87.41B | $94.90B | $104.18B | |
| Shares Outstanding | 466,792,895 | 465,308,901 | 463,715,048 | 461,087,590 | 458,629,384 | 453,778,975 | 451,094,879 | 445,377,826 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $21M | $23M | $24M | $19M | $22M | $18M | $25M | $25M | |
| Deferred Tax | $2M | $6M | $-2M | $208M | $53M | $9M | $77M | $46M | |
| Amort. of Intangibles | $3M | $8M | $10M | $14M | $19M | $21M | $21M | $31M | |
| Restructuring | $17M | $39M | $25M | $36M | $26M | $9M | $6M | $13M | |
| Operating Cash Flow | $441M | $459M | $676M | $305M | $702M | $987M | $1.02B | $1.14B | |
| Investing Cash Flow | $2.71B | $8.47B | $7.36B | $10.59B | $6.67B | $6.45B | $7.49B | $10.36B | |
| Debt Issued | · | · | · | · | · | · | · | $495M | |
| Net Debt Issued | · | · | · | · | · | · | $-1.95B | $-2.45B | |
| Stock Repurchased | $111M | $179M | $310M | $400M | $600M | $400M | $440M | $220M | |
| Net Stock Activity | $-111M | $-179M | $-310M | $-400M | $-600M | $-400M | $-440M | $-220M | |
| Dividends Paid | $63M | $70M | $78M | $91M | $107M | $123M | $147M | $166M | |
| Financing Cash Flow | $-3.15B | $-9.62B | $-10.05B | $-9.66B | $-7.33B | $-7.68B | $-9.98B | $-10.88B | |
| Net Change in Cash | $1M | $-690M | $-2.01B | $1.23B | $41M | $-244M | $-1.48B | $616M | |
| Taxes Paid | $19M | $38M | $57M | $30M | $190M | $74M | $93M | $57M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -13.1% | 48.3% | 71.0% | 194.3% | 141.4% | 106.2% | 152.7% | 110.0% | |
| Pretax Margin | -18.2% | 64.2% | 97.5% | 249.1% | 184.6% | 137.1% | 195.1% | 147.1% | |
| ROA | -0.16% | 0.23% | 0.35% | 0.85% | 0.85% | 0.45% | 0.60% | 0.36% | |
| ROE | -3.2% | 4.9% | 8.1% | 21.7% | 28.4% | 14.3% | 17.4% | 11.3% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.1 | 1.9 | 1.5 | 2.0 | 1.0 | 2.7 | 2.5 | 1.5 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $5.14 | $5.68 | $5.95 | $6.46 | $5.66 | $5.36 | $7.40 | $7.90 | |
| Revenue / Share | $6.16 | $2.44 | $2.61 | $2.31 | $2.95 | $1.99 | $1.68 | $1.36 | |
| Cash Flow / Share | $4.45 | $4.14 | $5.50 | $2.12 | $4.08 | $5.06 | $4.37 | $4.32 | |
| Cash / Share | $1.36 | $1.55 | $1.81 | $3.33 | $1.97 | $2.61 | $2.73 | $2.89 | |
| Dividend Paid / Share | $0.64 | $0.64 | $0.64 | $0.64 | $0.64 | $0.64 | $0.64 | $0.64 | |
| EPS (TTM) | $-0.81 | $1.18 | $1.85 | $4.49 | $4.18 | $2.12 | $2.56 | $1.49 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | · | -15.6% | -3.3% | -34.5% | 30.7% | · | · | · | |
| Revenue CAGR 3Y | · | -18.8% | -6.1% | · | · | · | · | · | |
| EPS YoY | · | -36.2% | -58.8% | 7.4% | 97.2% | · | · | · | |
| EPS CAGR 3Y | · | -34.4% | -4.4% | · | · | · | · | · | |
| Net Income YoY | · | -42.5% | -64.6% | -10.0% | 74.0% | · | · | · | |
| Net Income CAGR 3Y | · | -43.3% | -17.9% | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | -12.5% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $313M | $271M | $321M | $332M | $507M | $388M | $391M | $359M | |
| Net Income TTM | $-80M | $131M | $228M | $645M | $717M | $412M | $597M | $395M | |
| Market Cap | $9.49B | $8.26B | $9.93B | $8.12B | $11.63B | $11.41B | $10.83B | $7.35B | |
| Enterprise Value | $13.93B | $12.68B | $13.32B | $12.46B | $13.22B | $16.84B | $18.08B | $11.48B | |
| P/E | -25.1 | 15.1 | 11.6 | 3.9 | 6.1 | 11.9 | 9.4 | 11.1 | |
| P/S | 30.3 | 30.5 | 30.9 | 24.5 | 22.9 | 29.4 | 27.7 | 20.5 | |
| P/B | 4.0 | 3.1 | 3.6 | 2.7 | 4.5 | 4.7 | 3.2 | 2.1 | |
| P / Tangible Book | 4.8 | 3.7 | 4.8 | 3.6 | 6.2 | 6.7 | · | · | |
| P / Cash Flow | 21.5 | 18.0 | 14.7 | 26.6 | 16.6 | 11.6 | 10.6 | 6.4 | |
| EV / Revenue | 44.5 | 46.8 | 41.5 | 37.5 | 26.1 | 43.4 | 46.2 | 32.0 | |
| Dividend Yield | 0.66% | 0.85% | 0.79% | 1.1% | 0.92% | 1.1% | 1.4% | 2.3% | |
| Earnings Yield | -4.0% | 6.6% | 8.6% | 25.5% | 16.5% | 8.4% | 10.7% | 9.0% | |
| Payout Ratio | -78.8% | 53.4% | 34.2% | 14.1% | 14.9% | 29.8% | 24.6% | 42.0% | |
| Annual Payout | $63M | $70M | $78M | $91M | $107M | $123M | $147M | $166M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | · | · | · | $70M | $81M | $77M | · | $85M | $83M | $72M | $71M | $79M | |
| Operating Expenses | $82M | $89M | $89M | $105M | $100M | $127M | $147M | $184M | $166M | $183M | $200M | $233M | $182M | $185M | $187M | $194M | |
| Interest Expense | · | · | · | · | · | · | · | · | $843M | $875M | · | $879M | $919M | $837M | · | $641M | |
| Interest Income | $682M | $695M | $747M | $781M | $778M | $802M | $861M | $948M | $973M | $1.03B | $1.08B | $1.17B | $1.10B | $1.07B | $1.02B | $881M | |
| Pretax Income | $39M | $32M | $-7M | $-117M | $18M | $-5M | $26M | $12M | $48M | $88M | $-37M | $110M | $96M | $144M | $114M | $137M | |
| Income Tax | $14M | $15M | $-1M | $-31M | $4M | $-3M | $2M | $14M | $12M | $15M | $-9M | $31M | $30M | $33M | $9M | $32M | |
| Net Income | $25M | $17M | $-6M | $-86M | $14M | $-2M | $24M | $-2M | $36M | $73M | $-28M | $79M | $66M | $111M | $105M | $105M | |
| EPS (Basic) | $0.27 | $0.18 | $-0.06 | $-0.87 | $0.14 | $-0.02 | $0.25 | $-0.02 | $0.32 | $0.65 | $-0.19 | $0.66 | $0.53 | $0.87 | $0.87 | $0.75 | |
| EPS (Diluted) | $0.26 | $0.17 | $-0.05 | $-0.87 | $0.13 | $-0.02 | $0.24 | $-0.02 | $0.32 | $0.64 | $-0.18 | $0.65 | $0.52 | $0.86 | $0.85 | $0.75 | |
| Shares (Basic) | 94,000,000 | 95,000,000 | · | 98,000,000 | 100,000,000 | 102,000,000 | · | 108,000,000 | 111,000,000 | 113,000,000 | · | 120,000,000 | 124,000,000 | 129,000,000 | · | 139,000,000 | |
| Shares (Diluted) | 95,000,000 | 96,000,000 | · | 98,000,000 | 101,000,000 | 102,000,000 | · | 108,000,000 | 112,000,000 | 114,000,000 | · | 121,000,000 | 125,000,000 | 130,000,000 | · | 141,000,000 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $770M | $621M | $637M | $571M | $712M | $642M | $722M | $1.14B | $1.09B | $823M | $839M | $977M | $1.32B | $570M | $1.53B | $1.36B | |
| PP&E (Net) | $21M | $21M | $23M | $27M | $28M | $34M | $52M | $54M | $59M | $61M | · | $67M | $68M | $69M | · | $77M | |
| Goodwill | $428M | $428M | $428M | · | · | · | $428M | $428M | · | · | · | · | · | · | · | · | |
| Intangibles | · | · | $6M | · | · | · | $9M | $10M | · | · | · | · | · | · | · | · | |
| Total Assets | $47.30B | $48.00B | $48.68B | $49.31B | $50.22B | $50.95B | $51.79B | $53.44B | $56.62B | $59.03B | · | $63.41B | $65.60B | $66.91B | · | $73.62B | |
| Short-term Debt | $4.21B | $5.87B | $5.07B | $4.92B | $4.75B | $4.86B | $5.13B | $5.30B | $5.33B | $4.43B | · | $4.66B | $4.84B | $5.75B | · | $5.68B | |
| Total Liabilities | $44.90B | $45.62B | $46.28B | $46.87B | $47.66B | $48.36B | $49.15B | $50.75B | $53.87B | $56.26B | · | $60.52B | $62.67B | $63.95B | · | $70.65B | |
| Long-term Debt | $40.12B | $39.24B | $40.63B | $41.41B | $42.34B | $42.87B | $43.18B | $44.70B | $47.55B | $50.85B | · | $54.91B | $56.94B | $57.39B | · | $64.00B | |
| Total Debt | $4.21B | $5.87B | · | $4.92B | $4.75B | $4.86B | · | $5.30B | $5.33B | $4.43B | · | $4.66B | $4.84B | $5.75B | · | $5.68B | |
| Common Stock | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | · | $4M | $4M | $4M | · | $4M | |
| Retained Earnings | $4.56B | $4.55B | $4.55B | $4.57B | $4.67B | $4.68B | $4.70B | $4.69B | $4.71B | $4.69B | · | $4.68B | $4.62B | $4.58B | · | $4.41B | |
| Treasury Stock | $5.59B | $5.59B | $5.56B | $5.54B | $5.51B | $5.48B | $5.44B | $5.38B | $5.34B | $5.30B | · | $5.18B | $5.11B | $5.03B | · | $4.83B | |
| AOCI | $14M | $5M | $2M | $-1M | $0 | $2M | $3M | $3M | $10M | $15M | · | $43M | $65M | $66M | · | $84M | |
| Stockholders' Equity | $2.40B | $2.38B | $2.40B | $2.44B | $2.56B | $2.59B | $2.64B | $2.69B | $2.75B | $2.77B | $2.76B | $2.90B | $2.93B | $2.96B | $2.98B | $2.97B | |
| Liabilities + Equity | $47.30B | $48.00B | $48.68B | $49.31B | $50.22B | $50.95B | $51.79B | $53.44B | $56.62B | $59.03B | · | $63.41B | $65.60B | $66.91B | · | $73.62B | |
| Shares Outstanding | 468,140,879 | 468,004,107 | 466,792,895 | 466,673,865 | 466,596,429 | 466,581,434 | 465,308,901 | 465,211,241 | 465,108,131 | 465,031,305 | 463,715,048 | 463,682,278 | 463,534,781 | 463,508,522 | 461,087,590 | 461,016,201 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $3M | $3M | $5M | $4M | $4M | $8M | $6M | $5M | $7M | $5M | $3M | $4M | $8M | $9M | $3M | $4M | |
| Amort. of Intangibles | · | · | · | · | · | · | $1M | $2M | · | · | $0 | $3M | · | · | · | · | |
| Restructuring | $3M | $0 | $10M | $4M | $0 | $3M | $4M | $18M | $16M | $1M | $2M | $4M | $15M | $4M | $12M | $21M | |
| Operating Cash Flow | $143M | $-47M | $174M | $70M | $126M | $71M | $8M | $-10M | $279M | $182M | $310M | $122M | $99M | $145M | $207M | $68M | |
| Investing Cash Flow | $639M | $691M | $747M | $559M | $745M | $661M | $907M | $1.96B | $3.27B | $2.33B | $2.02B | $1.66B | $1.83B | $1.85B | $3.77B | $2.86B | |
| Stock Repurchased | $3M | $23M | $26M | $26M | $24M | $35M | $65M | $33M | $38M | $43M | $70M | $75M | $80M | $85M | $85M | $95M | |
| Net Stock Activity | · | $-23M | · | · | · | $-35M | · | · | · | $-43M | · | · | · | $-85M | · | · | |
| Dividends Paid | $15M | $15M | $15M | $16M | $16M | $16M | $17M | $18M | $17M | $18M | $19M | $19M | $19M | $21M | $22M | $22M | |
| Financing Cash Flow | $-774M | $-617M | $-689M | $-834M | $-849M | $-780M | $-1.60B | $-3.16B | $-2.49B | $-2.36B | $-2.34B | $-2.25B | $-1.44B | $-4.02B | $-3.08B | $-2.45B | |
| Net Change in Cash | $8M | $27M | $232M | $-205M | $22M | $-48M | $-690M | $-1.21B | $1.06B | $155M | $-8M | $-467M | $490M | $-2.03B | $895M | $476M | |
| Taxes Paid | · | · | $-6M | $24M | $0 | $1M | · | $1M | $22M | $8M | · | $24M | $3M | $6M | $1M | $2M |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 16.7% | 11.2% | · | -53.4% | 9.0% | -1.3% | · | -2.9% | 44.4% | 94.8% | · | 92.9% | 79.5% | 154.2% | · | 132.9% | |
| Pretax Margin | 26.0% | 21.1% | · | -72.7% | 11.5% | -3.2% | · | 17.1% | 59.3% | 114.3% | · | 129.4% | 115.7% | 200.0% | · | 173.4% | |
| ROA | 0.05% | 0.03% | · | -0.17% | 0.03% | 0.00% | · | 0.00% | 0.06% | 0.12% | · | 0.12% | 0.09% | 0.15% | · | 0.13% | |
| ROE | 1.0% | 0.68% | · | -3.4% | 0.53% | -0.07% | · | -0.07% | 1.3% | 2.5% | · | 2.7% | 2.2% | 3.8% | · | 3.7% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.8 | 2.5 | · | 2.0 | 1.9 | 1.9 | · | 2.0 | 1.9 | 1.6 | · | 1.6 | 1.7 | 1.9 | · | 1.9 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $5.12 | $5.08 | · | $5.23 | $5.50 | $5.55 | · | $5.79 | $5.91 | $5.95 | · | $6.25 | $6.32 | $6.38 | · | $6.45 | |
| Revenue / Share | $1.58 | $1.58 | · | $1.64 | $1.54 | $1.53 | · | $0.65 | $0.72 | $0.68 | · | $0.70 | $0.66 | $0.55 | · | $0.56 | |
| Cash Flow / Share | · | $-0.49 | · | · | · | $0.70 | · | · | · | $1.60 | · | · | · | $1.12 | · | · | |
| Cash / Share | $1.64 | $1.33 | · | $1.22 | $1.53 | $1.38 | · | $2.46 | $2.34 | $1.77 | · | $2.11 | $2.84 | $1.23 | · | $2.96 | |
| Dividend Paid / Share | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | $0.16 | |
| EPS (TTM) | $-0.49 | $-0.62 | · | $-0.52 | $0.33 | $0.52 | · | $0.76 | $1.43 | $1.63 | · | $2.88 | $2.98 | $3.68 | · | $3.73 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | · | · | · | · | · | · | · | · | · | · | · | $311M | $305M | $309M | · | $377M | |
| Net Income TTM | $-50M | $-61M | · | $-50M | $34M | $56M | · | $79M | $160M | $190M | · | $361M | $387M | $501M | · | $529M | |
| Market Cap | $8.45B | $8.43B | · | $9.33B | $8.52B | $8.66B | · | $9.46B | $8.79B | $9.91B | · | $7.76B | $8.87B | $9.17B | · | $9.74B | |
| Enterprise Value | $11.89B | $13.68B | · | $13.68B | $12.56B | $12.87B | · | $13.62B | $13.03B | $13.51B | · | $11.45B | $12.39B | $14.35B | · | $14.05B | |
| P/E | -36.8 | -29.0 | · | -38.5 | 55.3 | 35.7 | · | 26.8 | 13.2 | 13.1 | · | 5.8 | 6.4 | 5.4 | · | 5.7 | |
| P/S | · | · | · | · | · | · | · | · | · | · | · | 25.0 | 29.1 | 29.7 | · | 25.8 | |
| P/B | 3.5 | 3.5 | · | 3.8 | 3.3 | 3.3 | · | 3.5 | 3.2 | 3.6 | · | 2.7 | 3.0 | 3.1 | · | 3.3 | |
| P / Tangible Book | 4.3 | 4.3 | · | 3.8 | 3.3 | 3.3 | · | 4.2 | 3.2 | 3.6 | · | 2.7 | 3.0 | 3.1 | · | 3.3 | |
| P / Cash Flow | · | -179.3 | · | · | · | 122.0 | · | · | · | 54.4 | · | · | · | 63.2 | · | · | |
| EV / Revenue | · | · | · | · | · | · | · | · | · | · | · | 36.8 | 40.6 | 46.4 | · | 37.3 | |
| Dividend Yield | 0.72% | 0.74% | · | 0.70% | 0.79% | 0.79% | · | 0.76% | 0.83% | 0.76% | · | 1.0% | 0.95% | 0.96% | · | 0.97% | |
| Earnings Yield | -2.7% | -3.4% | · | -2.6% | 1.8% | 2.8% | · | 3.7% | 7.6% | 7.6% | · | 17.2% | 15.6% | 18.6% | · | 17.7% | |
| Payout Ratio | · | 88.2% | · | · | · | -800.0% | · | · | · | 24.7% | · | · | · | 18.9% | · | · | |
| Annual Payout | $61M | $62M | · | $65M | $67M | $68M | · | $72M | $73M | $75M | · | $81M | $84M | $88M | · | $94M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | · | $271M | $321M | $332M | $507M |
| Net Income | $-80M | $131M | $228M | $645M | $717M |
| Diluted EPS | $-0.81 | $1.18 | $1.85 | $4.49 | $4.18 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | 2.1 | 1.9 | 1.5 | 2.0 | 1.0 |
No data for this statement
Not enough fundamentals data to build this statement yet.
Institutional owners (13F)
Institutional activity — Q3 2025 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 0 | 0 | 1 | 0 | · |
Compared to Q2 2025. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair. Change vs prior quarter not shown: filer coverage differs too much between these two quarters for a reliable comparison.
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Sherborne Investors Management LP, Sherborne Strategic Fund F, LLC, Sherborne Investors Master GP, LLC, Sherborne Investors LP, Sherborne Investors GP, LLC, Sherborne Investors Management GP, LLC, BRAMSON EDWARD J, Welker Stephen ×13 filings | April 17, 2026 | 31.30% | Amendment | · | SEC |
| Canyon Capital Advisors LLC, Mitchell R. Julis, Joshua S. Friedman ×8 filings | Jan. 28, 2020 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 1 insider · 0 officers · 1 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Diane E Offereins | Director | Sept. 24, 2026 A | 10,035 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 1 ETF
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| PFFA · ETFis Series Trust I | 0.44% | 619,133 NS | July 31, 2026 | N-PORT |
JSM Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 12 analysts
SELL
0 0.0%
Strong Buy
1 8.3%
Buy
5 41.7%
Hold
4 33.3%
Sell
2 16.7%
Strong Sell
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| JSM | $9.49B | -25.1 | -15.6% | -13.1% | -3.2% | · |
| HAPN | · | · | · | · | · | · |
| ATLC | · | · | · | · | · | · |
| PRG | $2.42B | 8.2 | 0.42% | 6.1% | 20.8% | · |
| JCAP | $1.30B | 4.0 | 41.5% | 30.6% | 42.4% | · |
| NAVI | · | · | · | · | · | · |
| WRLD | · | 19.6 | 3.7% | · | · | · |
| PRAA | $680M | -2.3 | 7.8% | -25.4% | -28.9% | · |
| GDOT | · | · | 20.7% | · | · | · |
| NRDS | $966M | 21.2 | 21.7% | 5.8% | 12.7% | · |
| OPFI | · | 10.6 | · | · | 57.7% | · |
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 7, 2026