Navient Corporation SR NT 6% 121543

JSM: Is Navient Corporation SR NT 6% 121543 Halal?

Navient Corporation SR NT 6% 121543

NASDAQFinancial ServicesUS

$17.67

-1.48%

Market Cap: 4.8B

Compliance Status

Not Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

F

Non-Compliant

0Score

Is Navient Corporation SR NT 6% 121543 (JSM) halal? Not Halal. Based on AAOIFI screening, Navient Corporation SR NT 6% 121543 passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

838.9% of 30.0% limit

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

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

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

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.

Fiscal: FY 2024Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

SPDR Gold Shares
GLDA+

SPDR Gold Shares

$368.41

+0.17%

iShares Silver Trust
SLVA+

iShares Silver Trust

$50.78

+0.47%

Sprott Physical Silver Trust
PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

Sprott Physical Gold Trust
PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

AllianceBernstein Holding L.P.
ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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Frequently Asked Questions

Is Navient Corporation SR NT 6% 121543 (JSM) halal to invest in?
Navient Corporation SR NT 6% 121543 (JSM) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.
Why did Navient Corporation SR NT 6% 121543 get a F compliance rating?
Navient Corporation SR NT 6% 121543 (JSM) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 838.9% (limit 30%); interest-bearing deposits of 13.3% (limit 30%); prohibited income of 970.78% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Navient Corporation SR NT 6% 121543's Shariah verdict?
Navient Corporation SR NT 6% 121543's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.
How often is Navient Corporation SR NT 6% 121543 re-screened for Shariah compliance?
Navient Corporation SR NT 6% 121543 (JSM) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 18, 2026.

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.