National American University Holdings Inc (NAUH) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of National American University Holdings Inc $0.20, price $0.08, upside +150.0%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $0.0200 – $0.1500 · fair‑value band $0.1440 – $0.2560 · the $0.0800 price screens below the $0.2000 fair value. Dashed = 300-day average. As of Sep 23, 2026.
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National American University Holdings, Inc., through its subsidiary, owns and operates National American University (NAU) that provides professional and technical postsecondary education primarily designed for working adults and other non-traditional students in the United States.
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National American University Holdings, Inc., through its subsidiary, owns and operates National American University (NAU) that provides professional and technical postsecondary education primarily designed for working adults and other non-traditional students in the United States. The company offers certificate, diploma, associate, baccalaureate, master's, and doctoral degree programs in business-related disciplines, such as accounting, management, business administration, and information technology; healthcare-related disciplines, including healthcare management; legal-related disciplines comprising paralegal, criminal justice, and professional legal studies; and higher education through online degree programs. The company also rents apartment units; and develops and sells condominium units. The company was founded in 1941 and is headquartered in Rapid City, South Dakota.
Stock analysis
National American University Holdings Inc (NAUH) currently trades at $0.0800, while our model-based Fair Value estimate is $0.2000, implying the stock looks roughly 60.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $0.5200 per share, and 14 of the 19 models we run sit above the $0.0800 price.
Bear case: the Multiples group reads lowest at $0.0800, and 5 of the 19 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.1440 (bear) to $0.2560 (bull), the price of $0.0800 sits below 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 69/100 (solid quality), in the Consumer Defensive sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
National American University Holdings Inc reported revenue of $9.7M in FY2025 versus $15.7M in FY2021, a compound −11.2%/yr. Reported net income was $346K in FY2025.
Key figures
Market cap $2.0M · P/E ratio 8.0 · P/S ratio 0.28 · EPS (TTM) $0.0100 · Net margin 3.6% · Return on equity −184% · Return on assets (EBIT) −17.8% · Operating margin −15.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 300% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at 17% fair-value upside, at 150%, NAUH screens cheaper than that median.
Fair Value models
Bear $0.1440Fair Value $0.2000Bull $0.2560
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 12 months old). Earnings retained since then ($0.0100 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.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.
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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+0.8%
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.
−8.2%
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.
−16.8%
Start year 2020 (pandemic). Over 10 years: −22.1% a year
Revenue growth 17 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.
−9.1%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−20.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−20.0%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−20% vs −24%, picking up
Profit margin 2020 to 2025 ⓘ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.−29% → 1%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 22.6%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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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.Education & Training Services · 143 stocks
Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside+150% · Top 25%
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets−8% · Bottom 25%
Net margin (TTM)−67% · Bottom 25%
Operating margin (TTM)−16% · Bottom 25%
Growth and dividend
Revenue growth0% · Below median
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Education & Training Services median · lower = cheaper
P/E (TTM)8.0× · Cheaper than median
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (TTM)0.05× · Cheapest 25%
P/FCF0.9× · Cheaper than median
PEG1.02× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 47
FUTURE (revenue growth)0· sector 23
PAST (return on equity)0· sector 29
HEALTH (low debt)0· sector 95
DIVIDEND (yield)0· sector 63
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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Cite: Fair Value Calculator (2026). "National American University Holdings Inc Fair Value". https://www.fairvalue-calculator.com/stock/NAUH
Frequently asked questions
Is National American University Holdings Inc (NAUH) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $0.2000 versus a price of $0.0800, about +150% upside (undervalued).
What is the fair value of NAUH?
Our model-based fair value for National American University Holdings Inc is $0.2000 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.0800.
What is the quality score of NAUH?
National American University Holdings Inc has a Quality Score of 69/100. 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 National American University Holdings Inc (NAUH)?
Our model-based price target is the fair value of $0.2000 (as of Sep 23, 2026) from 19 valuation models. Cautious scenario $0.1440, optimistic scenario $0.2560. It is a calculation from audited fundamentals, not an analyst target.
What is the National American University Holdings Inc stock forecast for 2026?
Our models put fair value at $0.2000, about +150% upside versus a price of $0.0800 (undervalued). Cautious scenario $0.1440, optimistic scenario $0.2560. The calculation is refreshed regularly with new filings.
What is the intrinsic value of National American University Holdings Inc (NAUH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For National American University Holdings Inc it is $0.2000 per share (as of Sep 23, 2026), against a price of $0.0800. It is the blended result of 19 valuation models (cash flow, earnings, asset, dividend).
Is National American University Holdings Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, NAUH trades below its calculated fair value: price $0.0800, fair value $0.2000, a gap of about +150% (undervalued). 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 NAUH?
No. The price is what the market pays today ($0.0800); the fair value is what the company's own numbers justify ($0.2000). For National American University Holdings Inc the two are $0.1200 per share apart. That gap is exactly why we show both numbers side by side.
How much is National American University Holdings Inc worth?
The market values National American University Holdings Inc at about $2.0M (market capitalisation, as of Sep 23, 2026). Per share that is $0.0800; our models calculate a fair value of $0.2000 per share.
What do the bullish and bearish scenarios say about NAUH?
Our models span a range for National American University Holdings Inc: cautious scenario $0.1440, base $0.2000, optimistic $0.2560 per share (as of Sep 23, 2026, price $0.0800). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NAUH?
National American University Holdings Inc trades at a price-to-earnings ratio of 8.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.2000 is built from several models across several years. Other multiples: PEG 1.0, P/S 0.1.
What is the PEG ratio of NAUH?
The PEG ratio of National American University Holdings Inc is 1.02 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of National American University Holdings Inc (NAUH)?
Balance-sheet figures for National American University Holdings Inc (as of Sep 23, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is NAUH from its 52-week high?
National American University Holdings Inc trades at $0.0800, at its 52-week high of $0.0800 and 300% above the low of $0.0200 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $0.2000 is for.
Which stocks are comparable to National American University Holdings Inc?
From the same area (Consumer Defensive) we also value New Oriental Education & Technology Group, TAL Education Group, Laureate Education, Inc, Grand Canyon Education, Inc, 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 National American University Holdings Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $0.0800, calculated fair value $0.2000 (+150%), Quality Score 69/100, from 19 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 NAUH calculated?
We run National American University Holdings Inc through 19 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 $0.2000, 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 14.1 % above its aggregate fair value. National American University Holdings Inc currently trades 150 % 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 National American University Holdings Inc (NAUH)?
The closing price on Sep 23, 2026 was $0.0800. Our model-based fair value is $0.2000, about +150% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with National American University Holdings Inc right now?
The price is below even our cautious bear case ($0.1440). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (69/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of National American University Holdings Inc
How large is the market capitalisation of National American University Holdings Inc (NAUH)?
The market capitalisation of National American University Holdings Inc is $2.0M. 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 National American University Holdings Inc (NAUH)?
The price-to-sales ratio of National American University Holdings Inc is 0.28 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of National American University Holdings Inc (NAUH)?
Earnings per share at National American University Holdings Inc are $0.0100 (price ÷ EPS = P/E 8.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of National American University Holdings Inc (NAUH)?
The net margin of National American University Holdings Inc is 3.6% (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 National American University Holdings Inc (NAUH)?
The return on equity (ROE) of National American University Holdings Inc is −184% (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 National American University Holdings Inc (NAUH)?
On an EBIT basis the return on assets of National American University Holdings Inc is −17.8% (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 National American University Holdings Inc (NAUH)?
The operating margin of National American University Holdings Inc is −15.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does National American University Holdings Inc (NAUH) generate?
The free cash flow of National American University Holdings Inc is $2.2M (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 National American University Holdings Inc (NAUH) carry?
The net debt of National American University Holdings Inc is $446K (fiscal year 2025, ≈ 0.2 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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Thin data
Sep 23, 2026