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National American University Holdings (NAUH) Fair Value & Analysis

Consumer Defensive · US · Market cap $1.2M

NA National American University Holdings logo National American University Holdings NAUH · US
Price$0.0271
Fair Value$0.0450
Upside+66.1%
Quality69/100
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Weak Growth
Loss-making · -67.3% net margin
Negative equity (buybacks among others) · generates free cash flow
Mixed vs. peers (6/12)
Narrow moat 8/100
Evidence: High Range $0.0360 – $0.0510 Share as image

Fair value as of: Jul 31, 2026

From 19 valuation models · updated 10 days ago

Fair value updated Jul 31, 2026, revised from $0.0650 to $0.0450 (−30.8%) since Jun 26, 2026. Share price −9.7% over the past month.

A solid business, screening 66% undervalued on our models.

What matters now

  • The price is below even our cautious bear case ($0.0360). The market is more pessimistic than our downside scenario.
  • Solid quality (69/100) at a price below fair value, the discount is the argument here, not the business quality.
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Price vs Fair Value (5 years)

$0.1600 $0.0200 Fair Value $0.0450 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 31, 2026.

How to read this chart

60‑month range $0.0200 – $0.1600 · fair‑value band $0.0360 – $0.0510 · the $0.0271 price screens below the $0.0450 fair value. Dashed = 300-day average. As of Jul 31, 2026.

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Analysis

National American University Holdings (NAUH) currently trades at $0.0271, while our model-based Fair Value estimate is $0.0450, implying the stock looks roughly 66.1% undervalued today. The Quality Score stands at 69/100 (solid quality), in the Consumer Defensive sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, National American University Holdings generated revenue of $37.3M at a net margin of -67.3%. The stock trades on a trailing P/E of 5.0. Fundamentals as of Jul 31, 2026

Our scenario range runs from $0.0360 (bear case) to $0.0510 (bull case); at $0.0271, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 55% below its 52-week high and 36% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Defensive peers we cover trades at 17% fair-value upside, at 66%, NAUH screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model 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
Highest evidence
Growth DCF $0.6600 $0.8200 $1.05 80
Rev-Margin DCF $0.3200 $0.3800 $0.4600 74
ROIC Compounder $0.0200 $0.0200 $0.0200 72
All 19 models by family
DCF Models
FCF DCF $0.6400 $0.8100 $1.08 38
Owner Earnings $0.1100 $0.1400 $0.1900 31
5Y Revenue Exit $0.3200 $0.3600 $0.4100 39
5Y EBITDA Exit $0.3300 $0.3700 $0.4300 41
5Y P/E Exit $0.4000 $0.5000 $0.6200 38
10Y Revenue Exit $0.4700 $0.5100 $0.5400 36
10Y EBITDA Exit $0.4800 $0.5200 $0.5500 37
10Y P/E Exit $0.5100 $0.5800 $0.6400 35
Earnings-Based
Graham-Dodd $0.1000 $0.1200 $0.1300 54
EPV $0.0200 $0.0200 $0.0200 59
Multiples
P/E Multiple $0.2300 $0.3100 $0.3800 63
P/S Multiple $0.1800 $0.2400 $0.3000 58
EV/EBIT $0.0600 $0.0800 $0.1100 53
EV/EBITDA $0.0600 $0.0800 $0.1100 54
EV/Revenue $0.0400 $0.0600 $0.0800 43
Growth DCF
Growth DCF $0.6600 $0.8200 $1.05 80
Rev-Margin DCF $0.3200 $0.3800 $0.4600 74
Economic Profit
ROIC Compounder $0.0200 $0.0200 $0.0200 72
Growth Earnings
Growth-Adj P/E $0.1600 $0.2300 $0.3000 68

Widest divergence: DCF Models ($0.5000) versus Earnings-Based ($0.0200). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) $37.3M
Net margin -67.3%
Return on equity -184%
Free cash flow $2.2M FY2025
P/E ratio 5.0
Operating margin -15.8%
More key figures
EPS (TTM) $0.0100
Net debt $446K FY2025

Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 69/100

Of which business quality 71 · Market factors (momentum, volatility) 32

Profitability 70
Margins and returns on capital today
Quality Growth 79
Are margins and returns improving?
Cashflow 93
Earnings quality: real cash, not paper profit
Fin. Strength 19
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 28
Price trend over the last 3–12 months (market factor)
52W Momentum 20
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

National American University Holdings reported revenue of $9.7M in FY2025 versus $15.7M in FY2021, a compound −11.2%/yr. Reported net income was $346K in FY2025.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
$9.7M
Latest YoY
+0.8%
Avg. growth/yr (3Y) 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.
−8.2%
Avg. growth/yr (5Y) 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.
−16.8%
Avg. growth/yr (17Y) 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.
−9.1%
Revenue −11.2%/yr
FY21 $15.7M
FY22 $12.6M
FY23 $10.8M
FY24 $9.6M
FY25 $9.7M
Net income
FY21 −$6.1M
FY22 $5.3M
FY23 $5.6M
FY24 $160K
FY25 $346K

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Cite: Fair Value Calculator (2026). "National American University Holdings Fair Value". https://www.fairvalue-calculator.com/stock/NAUH

Peer Group

Education & Training Services · 148 stocks

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.

Quality Score 69 · Top 25%
Fair Value upside +85% · Top 25%
Return on assets -8% · Bottom 25%
Net margin (TTM) -67% · Bottom 25%
Operating margin (TTM) -16% · Bottom 25%
Revenue growth 0% · Below median

Valuation Multiples vs Education & Training Services median · lower = cheaper

P/E (TTM) 5.0× · Cheaper than 75% of peers
P/S (TTM) 0.03× · Cheaper than 75% of peers
P/FCF 0.6× · Cheaper than median
PEG 1.02× · Pricier than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 37
FUTURE 0 · sector 24
PAST 0 · sector 18
HEALTH 100 · sector 95
DIVIDEND 0 · sector 66

PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Education & Training Services stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).

Stock Price Fair Value vs Fair Value
New Oriental Education & Technology Group EDUN 966.48 MXN 897.37 MXN -7%
TAL Education Group TAL $10.24 $15.60 +52%
Laureate Education, Inc LAUR $36.45 $41.45 +14%
Physicswallah Limited PWL ₹131.59 ₹14.81 -89%
Grand Canyon Education, Inc LOPE $149.00 $152.01 +2%
Covista Inc CVSA $116.22 $135.45 +17%
Stride, Inc LRN $83.39 $139.45 +67%
Universal Technical Institute, Inc UTI $40.33 $21.35 -47%
Perdoceo Education Corporation PRDO $31.66 $41.45 +31%
Strategic Education, Inc STRA $84.18 $105.48 +25%

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Frequently asked questions

Is National American University Holdings (NAUH) overvalued or undervalued?
As of Jul 31, 2026, our model estimates a fair value of $0.0450 versus a price of $0.0271, about +66% (undervalued).
What is the fair value of NAUH?
Our model-based fair value for National American University Holdings is $0.0450 (as of Jul 31, 2026), built from audited fundamentals. The current price is $0.0271.
What is the quality score of NAUH?
National American University Holdings 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 revenue of National American University Holdings (NAUH)?
National American University Holdings reported trailing-twelve-month revenue of about $37.3M (latest available figure, as of Jul 31, 2026).
What is the net profit margin of NAUH?
The net profit margin of National American University Holdings is about -67.3%, meaning it is currently running at a net loss. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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