Compliance Status
Not Halal
Screened on Oct 15, 2026 · AAOIFI Standard 21
Non-Compliant
Is Navient Corporation SR NT 6% 121543 (JSM) halal? Not Halal. Based on AAOIFI screening, Navient Corporation SR NT 6% 121543 has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).
Quote this verdict
HalalScreener rates Navient Corporation SR NT 6% 121543 (JSM) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 15, 2026. Source: https://halalscreener.app/en/stock/JSM
Business activity
Involved in prohibited business activities.
Company debt
How much the company borrows, compared to its total value. AAOIFI allows up to 30%.
The verdict above is final and free.
Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.
Screened according to AAOIFI Standard 21
What this means for you
Most scholars advise not holding JSM
It does not pass AAOIFI Shariah screening.
See halal alternatives from the same sector further down this page
JSM: Is Navient Corporation SR NT 6% 121543 Halal?
Navient Corporation SR NT 6% 121543
$16.00
Market Cap: 4.4B
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About Navient Corporation SR NT 6% 121543
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.
Sector: Financial Services · Industry: Financial - Credit Services
Why this does not pass
- Business activity: the company earns from an activity AAOIFI treats as prohibited.
Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.
Shariah Compliance Status
See which ratio caused the failure.
See the exact debt ratio, interest income %, and prohibited revenue that caused the failure. Know before you sell or hold.
AI Compliance Insight
PROInstitutional-grade Shariah analysis
See why JSM is rated Not Halal with institutional-grade analysis
Business Activity Screen
FailedChecks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)
- Interest-bearing debt security: Navient Corporation SR NT 6% 121543
Compliance History
Not Halal, unchanged since May 2026.
No status changes recorded since we began tracking.
Tracked since May 2026. Updates automatically on each re-screen.
Halal Alternatives in Financial Services
This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:
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Frequently Asked Questions
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Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.
Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.