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).

Navient Corporation SR NT 6% 121543

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

Not Halal

Navient Corporation SR NT 6% 121543

NASDAQFinancial ServicesUS

$18.35

+0.04%

About Navient Corporation SR NT 6% 121543

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.

Sector: Financial Services 路 Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 2026
F

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Passed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap812.0% / 30.0%

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.

Screened: Jun 18, 2026Fiscal: FY 2024Source: EDGAR

Financial Overview

Market Cap

5.0B

Price

$18.35

Sector

Financial Services

Industry

Financial - Credit Services

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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

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 812.0% (limit 30%); interest-bearing deposits of 12.8% (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: Jun 18, 2026.

Screened according to AAOIFI Standard No. 21 路 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.