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Navient Corp (NAVI) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Navient Corp stock $7.69, price $6.75, upside +14.0%, quality 57 out of 100. Rating: fairly valued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services US

NC Navient Corp logo Thin data Nov 11, 2026

Navient Corp

NAVI · US
Fairly valued, in a downtrend

The stock costs 12% less than our calculation considers fair.

Solidly profitable · 11.9% net margin (TTM)
Upbeat coverage
Profit last quarter +100% vs. a year ago.
Fair value $7.69 · Fairly valued
Quality 57/100
Mixed Growth (revenue 5y −5.0 %/yr in USD)
9.5% dividend yield · Safety not assessed
Mixed vs. peers (7/14)
Narrow moat 35/100
Thin data
Estimate
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26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

$18.62 $6.75 Fair Value $7.69 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.

How to read this chart

60‑month range $6.75 – $18.62 · fair‑value band $5.77 – $9.61 · the $6.75 price screens below the $7.69 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.

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Company profile

Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending.

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The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand.

It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions.

Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.

Stock analysis

Navient Corp (NAVI) currently trades at $6.75, while our estimate is $7.69, so the stock looks roughly fairly valued today (gap 12.3%).

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $5.77 (bear) to $9.61 (bull), the price of $6.75 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.

Navient Corp reported revenue of $3.2B in FY2025 versus $2.2B in FY2021, a compound +9.9%/yr. Reported net income was −$80.0M in FY2025.

Key figures

Market cap $735M Small · P/S ratio 1.71 · EPS (TTM) $−0.4900 · Dividend yield 9.5% · Net margin −2.5% · Return on equity 2.1% · Return on assets (EBIT) 2.3% (5-year average) · Operating margin 16.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 35 out of 100 (medium confidence).

What moves the price

The share trades about 46% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at 14%, NAVI screens cheaper than that median.

Fair Value

Bear $5.77 Fair Value $7.69 Bull $9.61
Price $6.75 · Upside +14.0%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 8
How much profit the company makes from its sales and capital
Quality Growth 58
Are margins and returns getting better?
Cashflow 72
Do the profits arrive as real cash?
Financial strength 14
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 37
How calm the share price moves, does not count
Price momentum 20
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 0
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−5.0%
Revenue growth 24 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.1%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
14.2% (2020) → 77.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Recent news

News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

Compare Navient Corp with another stock

Price, fair value, quality and upside side by side.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 325 stocks

Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside +14.0% · Above median
Profitability
Return on equity (12 months) 2.1% · Below median
Return on assets −0.2% · Bottom 25%
Net margin (12 months) 11.9% · Below median
Operating margin (12 months) 16.7% · Below median
Growth and dividend
Revenue growth (quarter YoY) 4.2% · Below median
Dividend yield (12 months) 9.5% · Top 25%
Balance sheet
Debt / equity 17.05× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.31× · Cheapest 25%
P/S (12 months) 1.71× · Cheaper than median
Price / free cash flow (fiscal year) 1.7× · Cheapest 25%
EV/EBITDA 16.0× · Pricier than median
PEG 0.14× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)52 · sector 47
FUTURE (revenue growth)21 · sector 55
PAST (return on equity)8 · sector 34
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 63

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs NAVI
PayPal Holdings PYPL $58.78 $107.45 +83% vs NAVI
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs NAVI
Affirm Holdings AFRM $65.95 $74.92 +14% vs NAVI
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs NAVI
American Express Company AXP $323.46 $210.02 −35% vs NAVI
Visa Inc V $423.00 $242.87 −43% vs NAVI
Mastercard Incorporated MA $658.84 $360.13 −45% vs NAVI
Capital One Financial Corporation COF $195.84 $106.81 −45% vs NAVI
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs NAVI

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Navient Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Navient Corp Fair Value". https://www.fairvalue-calculator.com/stock/NAVI

Frequently asked questions

Is Navient Corp (NAVI) overvalued or undervalued?
As of Nov 11, 2026, our estimate of fair value is $7.69 versus a price of $6.75, about +14% upside (fairly valued).
What is the fair value of NAVI?
Our estimate for Navient Corp is $7.69 (as of Nov 11, 2026), built from audited fundamentals. The current price: $6.75.
What is the quality score of NAVI?
Navient Corp has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Navient Corp (NAVI)?
Our calculated price target is the estimate of $7.69 (as of Nov 11, 2026). Cautious scenario $5.77, optimistic scenario $9.61. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Navient Corp stock forecast for 2026?
Our estimate puts fair value at $7.69, about +14% upside versus a price of $6.75 (fairly valued). Cautious scenario $5.77, optimistic scenario $9.61. The calculation is refreshed regularly with new filings.
Does Navient Corp pay a dividend?
Navient Corp currently shows a dividend yield of 9.49% relative to its recent price (as of Nov 11, 2026).
How much is the dividend of Navient Corp (NAVI) and when is the ex-dividend date?
Navient Corp pays a dividend of $0.64 per share a year, a dividend yield of 9.5%. The last ex-dividend date was Sep 4, 2026. A dividend has been paid every year since at least 2014. Our assessment: Safety not assessed. Payout ratio and cash coverage are not available, so we do not judge how safe this dividend is.
What is the intrinsic value of Navient Corp (NAVI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Navient Corp it is $7.69 per share (as of Nov 11, 2026), against a price of $6.75.
Is Navient Corp stock overvalued or undervalued in 2026?
As of Nov 11, 2026, NAVI trades below its calculated fair value: price $6.75, fair value $7.69, a gap of about +14% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NAVI?
No. The price is what the market pays today ($6.75); the fair value is what the company's own numbers justify ($7.69). For Navient Corp the two are $0.9450 per share apart. That gap is exactly why we show both numbers side by side.
How much is Navient Corp worth?
The market values Navient Corp at about $735M (market capitalisation, as of Nov 11, 2026). Per share that is $6.75; our models calculate a fair value of $7.69 per share.
What do the bullish and bearish scenarios say about NAVI?
Our models span a range for Navient Corp: cautious scenario $5.77, base $7.69, optimistic $9.61 per share (as of Nov 11, 2026, price $6.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of NAVI?
The PEG ratio of Navient Corp is 0.14 (P/E divided by earnings growth, as of Nov 11, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Navient Corp (NAVI)?
Balance-sheet figures for Navient Corp (as of Nov 11, 2026): return on equity 2.1%, debt of 17.05 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is NAVI from its 52-week high?
Navient Corp trades at $6.75, about 46% below its 52-week high of $12.55 and at the low of $6.75 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $7.69 is for.
Which stocks are comparable to Navient Corp?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Navient Corp stock attractive at the current price?
The data as of Nov 11, 2026: price $6.75, calculated fair value $7.69 (+14%), Quality Score 57/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Navient Corp currently trades 12% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Navient Corp (NAVI)?
The closing price on Nov 10, 2026 was $6.75. Our estimate is $7.69, about +14% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Navient Corp right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Navient Corp (NAVI) come from?
Earnings per share at Navient Corp grew −5.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.8 %, EBIT margin −17.9 %, tax rate +2.0 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Navient Corp

How large is the market capitalisation of Navient Corp (NAVI)?
The market capitalisation of Navient Corp is $735M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Navient Corp (NAVI)?
The price-to-sales ratio of Navient Corp is 1.71 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Navient Corp (NAVI)?
Earnings per share at Navient Corp are $−0.4900. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Navient Corp (NAVI)?
The dividend yield of Navient Corp is 9.5%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Navient Corp (NAVI)?
The net margin of Navient Corp is −2.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Navient Corp (NAVI)?
The return on equity (ROE) of Navient Corp is 2.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Navient Corp (NAVI)?
On an EBIT basis the return on assets of Navient Corp is 2.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Navient Corp (NAVI)?
The operating margin of Navient Corp is 16.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Navient Corp (NAVI)?
Revenue at Navient Corp is growing +4.2% versus a year earlier (3y avg +23.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Navient Corp (NAVI)?
Earnings per share at Navient Corp are growing +100% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Navient Corp (NAVI) generate?
The free cash flow of Navient Corp is $441M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Navient Corp (NAVI) carry?
The net debt of Navient Corp is $43.6B (fiscal year 2025, ≈ 98.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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