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Navient Corporation SR NT 6% 121543 · NASDAQ
Price: $18.31 · Annual div: $1.50/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in JSM → $5.73M in 10 years · $88.08/month
Navient Corp. engages in the provision of asset management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. It operates through the following segments: Federal Education Loans, Consumer Lending, Business Processing and Other. The Federal Education Loans segment owns FFELP Loans and performs servicing and asset recovery services on FFELP Loan portfolio. The Consumer Lending segment owns, originates, acquires and services high-quality private education loans. The Business Processing segment engages in the provision of government and healthcare services. The Other segment consists of corporate liquidity portfolio, gains and losses incurred on the repurchase of debt, unallocated expenses of shared services and restructuring/other reorganization expenses. The company was founded in 1973 and is headquartered in Herndon, VA.
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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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% | 8.19% | 5.39% | $819 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 6.96% | 4.16% | $696 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 6.55% | 3.75% | $655 / yr |
| 🇬🇧 UK ISA | 0% | 8.19% | 5.39% | $819 / yr |
| 🇬🇧 UK Taxable | 8.75% | 7.47% | 4.67% | $747 / yr |
| 🇨🇦 TFSA | 0% | 8.19% | 5.39% | $819 / yr |
| 🇨🇦 CA Taxable | 25% | 6.14% | 3.34% | $614 / yr |
| 🇦🇺 Super (pension) | 15% | 6.96% | 4.16% | $696 / yr |
| 🇦🇺 AU Taxable | 30% | 5.73% | 2.93% | $573 / yr |
| 🇩🇪 DE Taxable | 26.375% | 6.03% | 3.23% | $603 / yr |
| 🇫🇷 FR Taxable | 30% | 5.73% | 2.93% | $573 / 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.
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 pays quarterly — 4 times per year. Next ex-div: TBD.
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.
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 consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
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 →
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