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Navient Corporation (0K5R) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Navient Corporation $3.99, price $9.19, upside -56.6%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Some data
Sep 24, 2026
Navient Corporation
0K5R · LSEStretched ValuationStrong overvaluation with only moderate quality.
!Fair value $3.99 · Strongly overvalued (−56.6%)
!Quality 52/100
!Weak Growth (revenue 5y −2.8 %/yr)
!Loss-making · -18.5% net margin (TTM)
!High debt · generates free cash flow
✓7.0% dividend yield · Well covered
!Narrow moat 29/100
!Evidence only medium, so the estimate is less certain
!The models disagree: range $2.98 to $15.96
What runs behind every stock
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
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $7.37 – $19.07 · fair‑value band $2.98 – $15.96 · the $9.19 price screens above the $3.99 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. 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 Corporation (0K5R) currently trades at $9.19, while our model-based Fair Value estimate is $3.99, 56.6% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 13 models at a data quality of 95/100, which puts the evidence level at medium.
Scenario range: $2.98 (bear) to $15.96 (bull), the price of $9.19 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 52/100 (solid quality), in the Industrials sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Navient Corporation reported revenue of $3.2B in FY2025 versus $3.5B in FY2021, a compound −2.3%/yr. Reported net income was −$80.0M in FY2025.
Key figures
Market cap $910M · P/E ratio 0.0 · EPS (TTM) $3.69 · Dividend yield 7.0% · Net margin −2.5% · Return on equity −2.5% · Return on assets (EBIT) 5.1% · Operating margin 25.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 29% below its 52-week high and 25% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 34% fair-value upside, at −57%, 0K5R screens richer than that median.
Fair Value models
Bear $2.98
Fair Value $3.99
Bull $15.96
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($2.30 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham)
$4.65
$6.23
$9.30
54
All 1 models by family
Asset-Based
NCAV (Graham)
$4.65
$6.23
$9.30
54
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Set up alert →Quality Score breakdown
Overall quality
52/100
Of which business quality 48 · Market factors (momentum, volatility) 37
Profitability
8
Margins and returns on capital today
Quality Growth
40
Are margins and returns improving?
Cashflow
72
Earnings quality: real cash, not paper profit
Fin. Strength
5
Balance sheet, leverage, solvency risk
Investment
100
Disciplined investing over empire-building
Low Volatility
35
Calm price path (market factor)
Momentum
47
Price trend over the last 3–12 months (market factor)
52W Momentum
24
Distance to the 52-week high (market factor)
Net Issuance
100
Share count: buybacks or dilution?
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.
23/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−24.8%
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.
−5.7%
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.
−2.8%
Start year 2020 (pandemic). Over 10 years: +2.4% a year
Revenue growth 13 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.
+2.2%
’14
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’18
’19
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’21
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’25
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.
28.0% (2020) → 77.8% (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
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+55.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +52.3% a year for the price.
0K5R screens overvalued: fair value 57% below the price. Compare with Delta Air Lines, Inc →
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: UK Stocks
- Valuation of the UK 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 Airlines stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Delta Air Lines, Inc DAL | $84.13 | $121.83 | +45% |
| United Airlines Holdings UAL | $111.51 | $149.61 | +34% |
| Ryanair Holdings RYA | €23.79 | €48.63 | +104% |
| Southwest Airlines Co LUV | $42.28 | $14.74 | −65% |
| InterGlobe Aviation Limited INDIGO | ₹4,940 | ₹3,073 | −38% |
| Singapore Airlines Limited C6L | 6.65 SGD | 7.88 SGD | +18% |
| LATAM Airlines Group LTM | $52.45 | $106.79 | +104% |
| China Southern Airlines Company 600029 | ¥4.86 | ¥2.78 | −43% |
| Cathay Pacific Airways Limited 0293 | HK$14.37 | HK$31.02 | +116% |
| Deutsche Lufthansa AG LHA | €7.60 | €9.90 | +30% |
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Frequently asked questions
Is Navient Corporation (0K5R) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $3.99 versus a price of $9.19, about −57% upside (overvalued).
What is the fair value of 0K5R?
Our model-based fair value for Navient Corporation is $3.99 (as of Sep 24, 2026), built from audited fundamentals. The current price: $9.19.
What is the quality score of 0K5R?
Navient Corporation has a Quality Score of 52/100. 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 Corporation (0K5R)?
Our model-based price target is the fair value of $3.99 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario $2.98, optimistic scenario $15.96. It is a calculation from audited fundamentals, not an analyst target.
What is the Navient Corporation stock forecast for 2026?
Our models put fair value at $3.99, about −57% upside versus a price of $9.19 (overvalued). Cautious scenario $2.98, optimistic scenario $15.96. The calculation is refreshed regularly with new filings.
Does Navient Corporation pay a dividend?
Navient Corporation currently shows a dividend yield of about 6.96% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Navient Corporation (0K5R)?
For today's price to be fair in a discounted-cash-flow model, Navient Corporation would have to grow free cash flow by +55.9 % per year for five years (discount rate 10.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -2.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0K5R use?
Our models discount Navient Corporation at 10.8 %: a base by market capitalisation (unknown), damped by beta 1.21, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Navient Corporation that is +55.9 % per year a year over ten years, using the same discount rate (10.8 %) and the same formula as our fair value.
How much growth has Navient Corporation (0K5R) delivered so far?
Over the past 5 years revenue at Navient Corporation grew -2.8 % a year. The price currently implies +55.9 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Navient Corporation (0K5R) growing?
The median revenue growth in the sector is +7.3 % a year. That is the yardstick for the growth priced into Navient Corporation (+55.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Navient Corporation (0K5R)?
The free-cash-flow yield on the price is 48.47 %: that much free cash flow Navient Corporation produces per unit of market value. When it exceeds the discount rate of our models (10.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Navient Corporation (0K5R)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Navient Corporation it is $3.99 per share (as of Sep 24, 2026), against a price of $9.19. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Navient Corporation stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0K5R trades above its calculated fair value: price $9.19, fair value $3.99, a gap of about −57% (overvalued). 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 0K5R?
No. The price is what the market pays today ($9.19); the fair value is what the company's own numbers justify ($3.99). For Navient Corporation the two are $5.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is Navient Corporation worth?
The market values Navient Corporation at about $910M (market capitalisation, as of Sep 24, 2026). Per share that is $9.19; our models calculate a fair value of $3.99 per share.
What do the bullish and bearish scenarios say about 0K5R?
Our models span a range for Navient Corporation: cautious scenario $2.98, base $3.99, optimistic $15.96 per share (as of Sep 24, 2026, price $9.19). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 0K5R from its 52-week high?
Navient Corporation trades at $9.19, about 29% below its 52-week high of $12.94 and 25% above the low of $7.37 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $3.99 is for.
Which stocks are comparable to Navient Corporation?
From the same area (Industrials) we also value Delta Air Lines, Inc, United Airlines Holdings, Ryanair Holdings, Southwest Airlines Co, 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 Corporation stock attractive at the current price?
The data as of Sep 24, 2026: price $9.19, calculated fair value $3.99 (−57%), Quality Score 52/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0K5R calculated?
We run Navient Corporation through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.99, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Navient Corporation itself currently trades above fair value. 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 Corporation (0K5R)?
The closing price on Oct 2, 2026 was $9.19. Our model-based fair value is $3.99, about −57% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Navient Corporation right now?
The model range is unusually wide ($2.98 to $15.96). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Navient Corporation
How large is the market capitalisation of Navient Corporation (0K5R)?
The market capitalisation of Navient Corporation is $910M. 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/E ratio of Navient Corporation (0K5R)?
The price-to-earnings ratio of Navient Corporation is 0.0 (as of Jul 25, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What are the earnings per share of Navient Corporation (0K5R)?
Earnings per share at Navient Corporation are $3.69 (price ÷ EPS = P/E 0.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Navient Corporation (0K5R)?
The dividend yield of Navient Corporation is 7.0% (payout 17.4%). 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 Corporation (0K5R)?
The net margin of Navient Corporation 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 Corporation (0K5R)?
The return on equity (ROE) of Navient Corporation is −2.5% (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 Corporation (0K5R)?
On an EBIT basis the return on assets of Navient Corporation is 5.1% (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 Corporation (0K5R)?
The operating margin of Navient Corporation is 25.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Navient Corporation (0K5R)?
Revenue at Navient Corporation is growing −0.8% versus a year earlier (3y avg −5.7%). 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 Corporation (0K5R)?
Earnings per share at Navient Corporation are growing −59.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Navient Corporation (0K5R) carry?
The net debt of Navient Corporation 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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