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STOCK COMPARISON

Navient vs Mid India Industries: Fair Value & Quality

Both stocks run through our valuation models. Here is how Navient (JSM) and Mid India Industries (MIDINDIA) compare, as of Oct 4, 2026.

As of Oct 4, 2026, Fair Value Calculator sees Navient as the more attractively valued of the two: Navient trades at $16.72 versus a fair value of $45.77 (+173.7%), while Mid India Industries trades at ₹5.80 versus ₹2.02 (−65.2%).
Navient
JSM · USD · Energy
+173.7%
upside to fair value
undervalued
Price$16.72
Fair Value$45.77
Quality55/100
Mid India Industries
MIDINDIA.BSE · INR · Materials
−65.2%
upside to fair value
overvalued
Price₹5.80
Fair Value₹2.02
Quality65/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

NavientMid India Industries
Valuation
n/aP/E (TTM)48.3×
n/aP/S (TTM)0.69×
n/aP/BNegative equity
n/aEV/EBITDA64.4×
+173.7%Fair value upside−65.2%
$0.64Dividend per sharen/a
Profitability
n/aOperating margin-5.2%
1.28×EBIT margin trend (5Y)n/a
n/aReturn on equityNegative equity
n/aReturn on assets5.8%
Growth
n/aRevenue growth (YoY)36.6%
18.8%Avg. growth/yr (3Y)-3.1%
-4.0%Avg. growth/yr (5Y)n/a
n/aValue creation/yr−10.5%
Balance & size
1.0×Interest coverage (EBIT/interest)n/a
n/aDebt / equityNegative equity
n/aMarket cap$1M
mixedGrowth qualityweak
Valuation multiples (P/E, P/S, P/B, EV/EBITDA) are shown but not scored here: the two companies sit in different sectors, and multiples only compare fairly between similar business models. PEG stays scored, as it relates the P/E to growth.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Navientof which business quality 47 · market factors 55 Mid India Industriesof which business quality 64 · market factors 27
ProfitabilityMargins and returns on capital today
8
69
Quality GrowthAre margins and returns improving?
35
78
CashflowEarnings quality: real cash, not paper profit
73
32
Fin. StrengthBalance sheet, leverage, solvency risk
4
53
InvestmentDisciplined investing over empire-building
100
100
Low VolatilityCalm price path (market factor)
100
50
MomentumPrice trend over the last 3–12 months (market factor)
41
20
52W MomentumDistance to the 52-week high (market factor)
26
11
Net IssuanceShare count: buybacks or dilution?
100
82

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyNavientPrice $16.72Mid India IndustriesPrice ₹5.80
DCF Modelsn/a−54.6%below the price₹2.64
Earnings-Basedn/a+10.5%close to the price₹6.41
Dividend Discount−79.8%below the price$3.38n/a
Multiplesn/a−65.2%below the price₹2.02
Asset-Based−68.4%below the price$5.28n/a
Growth DCFn/a−77.2%below the price₹1.32
Economic Profitn/a−76.0%below the price₹1.39
Growth Earningsn/a+36.0%above the price₹7.89
Minimum−79.8%below the price$3.38−77.2%below the price₹1.32
Maximum−68.4%below the price$5.28+36.0%above the price₹7.89
Median−74.1%below the price$4.33−59.9%below the price₹2.33
Geometric mean−74.8%below the price$4.22−51.5%below the price₹2.81

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Navient: 3 of 3 models see the stock below the current price.

Mid India Industries: 15 of 20 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Navient
Price $16.72
Fair Value $45.77
Bear $31.89Bull $93.72
Mid India Industries
Price ₹5.80
Fair Value ₹2.02
Bear ₹1.08Bull ₹2.50

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Navient · Energy

Quality score55 · above median
Fair value upside+173.7% · Top 25%

Mid India Industries · Materials

Quality score65 · Top 25%
Fair value upside−65.2% · bottom 25%

Bottom line

As of Oct 4, 2026, Fair Value Calculator sees Navient as the more attractively valued of the two: Navient trades at $16.72 versus a fair value of $45.77 (+173.7%), while Mid India Industries trades at ₹5.80 versus ₹2.02 (−65.2%).

Mid India Industries has the higher quality score (65/100).

Open Navient live analysis →

More comparisons

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.