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STOCK COMPARISON

Navient vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Navient (NAVI) and Visa Inc. Class A (V) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Navient as the less overvalued of the two: Navient trades at $9.08 versus a fair value of $5.35 (-41%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Navient
NAVI · USD · Financials
-41%
upside to fair value
overvalued
Price$9.08
Fair Value$5.35
Quality56/100
Visa Inc. Class A
V · USD · Financials
-44%
upside to fair value
overvalued
Price$363
Fair Value$204
Quality82/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

NavientVisa Inc. Class A
Valuation
—P/E (TTM)30.4×
2.31×P/S (TTM)15.42×
0.32×P/B17.51×
16.0×EV/EBITDA22.0×
0.14×PEG1.53×
8.0%Dividend yield0.8%
$0.64Dividend per share$2.60
Profitability
-19%Net margin52%
26%Operating margin67%
-2%Return on equity60%
-0%Return on assets19%
Growth
-1%Revenue growth (YoY)17%
24.2%Avg. growth/yr (3Y)10.9%
-5.0%Avg. growth/yr (5Y)12.9%
Balance & size
17.05×Debt / equity0.52×
$760MMarket cap$664B
mixedGrowth qualityhealthy

Visa Inc. Class A leads: 6 to 7 metric wins.

Dash = 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 52 · market factors 29 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
8
76
Quality GrowthAre margins and returns improving?
58
41
CashflowEarnings quality: real cash, not paper profit
72
85
Fin. StrengthBalance sheet, leverage, solvency risk
14
71
InvestmentDisciplined investing over empire-building
100
85
Low VolatilityCalm price path (market factor)
43
83
MomentumPrice trend over the last 3–12 months (market factor)
28
52
52W MomentumDistance to the 52-week high (market factor)
15
69
Net IssuanceBuybacks instead of dilution
100
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Navient

Dividend Discount$5.91
Asset-Based$17.10

2 of 3 models see the stock below the current price.

Visa Inc. Class A

DCF Models$236
Earnings-Based$269
Multiples$94.55
Asset-Based$15.30
Growth DCF$219
Economic Profit$190

10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Navient
Bear $4.98Fair Value $5.35Bull $5.90
$9.08 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$363 = current price (white tick)

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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 · Financials

Quality score56 · above median
Fair value upside-41% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-44% · bottom 25%

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Navient as the less overvalued of the two: Navient trades at $9.08 versus a fair value of $5.35 (-41%), while Visa Inc. Class A trades at $363 versus $204 (-44%).

Visa Inc. Class A has the higher quality score (82/100).

See the full analysis →
Navient · Visa Inc. Class A

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.