Navient Corporation SR NT 6% 121543 (JSM)vsNewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 (NEWTI)
JSM
Navient Corporation SR NT 6% 121543
$18.01
+0.06%
OTHER · Cap: $4.88B
NEWTI
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028
$25.36
0.00%
OTHER · Cap: $426.24M
Smart Verdict
WallStSmart Research — data-driven comparison
NEWTI leads profitability with a 0.0% profit margin vs 0.0%. JSM earns a higher WallStSmart Score of 20/100 (F).
JSM
Avoid20
out of 100
Grade: F
NEWTI
Avoid18
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
No standout strengths identified
Areas to Watch
0.0% revenue growth
0.0% earnings growth
ROE of 0.0% — below average capital efficiency
0.0% margin — thin
0.0% revenue growth
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : JSM
The strongest argument for JSM centers on P/E Ratio.
Bull Case : NEWTI
NEWTI has a balanced fundamental profile.
Bear Case : JSM
The primary concerns for JSM are Revenue Growth, EPS Growth, Return on Equity.
Bear Case : NEWTI
The primary concerns for NEWTI are Revenue Growth, EPS Growth, Market Cap. Debt-to-equity of 5.64 is elevated, increasing financial risk.
Key Dynamics to Monitor
NEWTI is growing revenue faster at 0.0% — sustainability is the question.
JSM generates stronger free cash flow (174M), providing more financial flexibility.
Monitor OTHER industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JSM scores higher overall (20/100 vs 18/100). Both earn "Avoid" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Navient Corporation SR NT 6% 121543
OTHER · OTHER · USA
Navient Corporation provides business processing and asset management services to education, healthcare and government clients at the federal, state and local levels in the United States. The company is headquartered in Wilmington, Delaware.
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028
OTHER · OTHER · USA
NewtekOne, Inc. (NEWTI) is a leading financial technology firm committed to empowering small and medium-sized enterprises (SMEs) through innovative capital solutions and a wide array of services, including payment processing, lending, and operational support. The company holds 8.00% Fixed Rate Senior Notes maturing in 2028, reflecting its strong commitment to delivering attractive returns for investors. By leveraging its extensive industry expertise and focus on technological advancement, NewtekOne is strategically positioned to capitalize on emerging market trends, thereby driving growth and enhancing shareholder value in an increasingly competitive landscape.
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