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JSM Dividend DRIP Calculator 2026
8.29% YieldFinancial ServicesNavient Corporation SR NT 6% 121543 · NASDAQ
Price: $18.08 · Annual div: $1.50/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When JSM pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in JSM → $5.73M in 10 years · $89.26/month
About Navient Corporation SR NT 6% 121543 (JSM) — Dividend Analysis 2026
Navient Corporation specializes in providing asset management and business processing services to a diverse clientele, including those in education, healthcare, and governmental sectors at all levels—federal, state, and local. The company's operations are structured into four key segments: Federal Education Loans, Consumer Lending, Business Processing, and Other. The Federal Education Loans segment is dedicated to the ownership, servicing, and asset recovery of its FFELP (Federal Family Education Loan Program) loan portfolio. Through its Consumer Lending division, Navient engages in the origination, acquisition, ownership, and servicing of high-quality private education loans. The Business Processing segment focuses on delivering services to government and healthcare organizations. Lastly, the "Other" segment covers the corporate liquidity portfolio, profits or losses resulting from debt repurchases, unallocated expenses for shared services, and various restructuring or reorganization costs. Established in 1973, Navient maintains its corporate headquarters in Herndon, Virginia.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 JSM Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold JSM.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 8.29% | 5.49% | $829 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 7.05% | 4.25% | $705 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 6.63% | 3.83% | $663 / yr |
| 🇬🇧 UK ISA | 0% | 8.29% | 5.49% | $829 / yr |
| 🇬🇧 UK Taxable | 8.75% | 7.56% | 4.76% | $756 / yr |
| 🇨🇦 TFSA | 0% | 8.29% | 5.49% | $829 / yr |
| 🇨🇦 CA Taxable | 25% | 6.22% | 3.42% | $622 / yr |
| 🇦🇺 Super (pension) | 15% | 7.05% | 4.25% | $705 / yr |
| 🇦🇺 AU Taxable | 30% | 5.80% | 3.00% | $580 / yr |
| 🇩🇪 DE Taxable | 26.375% | 6.10% | 3.30% | $610 / yr |
| 🇫🇷 FR Taxable | 30% | 5.80% | 3.00% | $580 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 JSM Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.50/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 JSM Dividend Payment Schedule
JSM pays quarterly — 4 times per year. Next ex-div: TBD.
📊 JSM vs Financial Services Benchmarks
How JSM compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for JSM sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ JSM Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| F-InKind | 2023-12-15 | 950 | $19.21 | $18.3K | ||
| Sale | 2023-12-14 | 150,132 | $19.02 | $2.86M | ||
| Sale | 2023-11-07 | 10,000 | $16.99 | $169.9K | ||
| F-InKind | 2023-11-01 | 514 | $15.91 | $8.2K | ||
| F-InKind | 2023-10-07 | 2,827 | $17.42 | $49.2K | ||
| Sale | 2023-07-31 | 20,000 | $19.01 | $380.1K | ||
| F-InKind | 2023-08-01 | 509 | $18.87 | $9.6K | ||
| A-Award | 2023-05-15 | 158,835 | $15.11 | $2.40M | ||
| A-Award | 2023-05-15 | 105,890 | $15.11 | $1.60M | ||
| F-InKind | 2023-02-28 | 130,849 | $18.05 | $2.36M |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the JSM dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Navient Corporation SR NT 6% 121543 (JSM) is currently trading at $18.08, 30% below its 52-week high. The current dividend yield is 8.29% based on an annual payout of $1.50 per share.
JSM (Navient Corporation SR NT 6% 121543) — 8.29% Dividend Yield Analysis
Navient Corporation SR NT 6% 121543 (JSM) is a financial services stock currently trading at $18.08 with a dividend yield of 8.29%. The company pays an annual dividend of $1.50 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, JSM has grown its dividend at a compound annual rate of 1.6%.
- Above-average yield (8.29%) may signal elevated risk — verify sustainability.
Auto-generated from live market data. For educational purposes only — not financial advice.