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Zovio Inc (ZVOI) Fair Value & Analysis

Consumer Defensive · US · Market cap $3.4K

ZI Zovio Inc logo Zovio Inc ZVOI · US
Price$0.0001
Fair Value$0.0001
Upside+0.0%
Quality41/100
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Weak Growth
Loss-making · -20.6% net margin
negative free cash flow
Trails peers (1/8)
Narrow moat 3/100
Evidence: Low Range $0.0001 – $0.0001 Share as image

Fair value as of: Aug 4, 2026

From 1 valuation models · updated 13 days ago

Fair value updated Aug 4, 2026, revised from $0.0012 to $0.0001 (−91.6%) since Jul 31, 2026.

Below-average quality, currently priced close to our fair value.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
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Price vs Fair Value (5 years)

$3.47 $0.0001 Fair Value $0.0001 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 4, 2026.

How to read this chart

60‑month range $0.0001 – $3.47 · the $0.0001 price screens below the $0.0001 fair value. Dashed = 300-day average. As of Aug 4, 2026.

Full chart & analysis →

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Analysis

Zovio Inc (ZVOI) currently trades at $0.0001, while our model-based Fair Value estimate is $0.0001, implying the stock looks roughly 0.0% fairly valued today. The Quality Score stands at 41/100 (below-average 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: low), always confirm before acting.

Over the trailing twelve months, Zovio Inc generated revenue of $190M at a net margin of -20.6%. Revenue declined 63.8% year over year. Net debt stands at $13.2M. Fundamentals as of Aug 4, 2026

For context, the median of 10 Consumer Defensive peers we cover trades at 12% fair-value upside, at 0%, ZVOI screens richer 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
NCAV (Graham) $0.0001 $0.0001 $0.0001 50
All 1 models by family
Asset-Based
NCAV (Graham) $0.0001 $0.0001 $0.0001 50

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Key figures & financial health

Revenue (TTM) $190M
Revenue growth (YoY) -63.8%
Net margin -20.6%
Return on equity -171%
Free cash flow −$17.6M FY2021
Operating margin -32.5%
More key figures
EPS (TTM) $-1.17
Net debt $13.2M FY2021

Figures from reported company fundamentals · as of Aug 4, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 41/100

Of which business quality 43 · Market factors (momentum, volatility) 24

Profitability 40
Margins and returns on capital today
Quality Growth 45
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 67
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 11
Price trend over the last 3–12 months (market factor)
52W Momentum 17
Distance to the 52-week high (market factor)
Net Issuance 27
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

Zovio Inc operates as an education technology services company in the United States. It partners with higher education institutions and employers to deliver various personalized solutions to help learners and leaders in achieving their aspirations.

Full company description

Zovio Inc operates as an education technology services company in the United States. It partners with higher education institutions and employers to deliver various personalized solutions to help learners and leaders in achieving their aspirations. The company offers technology and academic services primarily relate to the educational infrastructure, including online course delivery and management, assessment, customer relations management, and other internal administrative systems; support services for curriculum and new program development, and faculty training and development; and technical support and assistance services with state compliance. It also provides counseling services and support comprising recruiting and admissions, student financing and financial aid processing, and student retention advising; and marketing and communication services, such as lead acquisition, digital communication strategies, brand identity advertising, media planning and strategy, video, data science and analysis, marketing to potential students, and other promotional and communication services. The company serves higher education institutions, employers, and learners. The company was formerly known as Bridgepoint Education, Inc. and changed its name to Zovio Inc in April 2019. Zovio Inc was incorporated in 1999 and is headquartered in Chandler, Arizona.

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

Revenue & earnings trend

FY2017 – FY2021 · reported fiscal years

Zovio Inc reported revenue of $263M in FY2021 versus $478M in FY2017, a compound −13.9%/yr. Reported net income was −$42.3M in FY2021.

Growth Quality 0/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2021)
$263M
Latest YoY
−33.8%
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.
−16.0%
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.
−13.0%
Avg. growth/yr (15Y) 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.
+15.9%
Revenue −13.9%/yr
FY17 $478M
FY18 $443M
FY19 $418M
FY20 $397M
FY21 $263M
Net income
FY17 $10.5M
FY18 $4.6M
FY19 −$54.8M
FY20 −$49.0M
FY21 −$42.3M

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Cite: Fair Value Calculator (2026). "Zovio Inc Fair Value". https://www.fairvalue-calculator.com/stock/ZVOI

Peer Group

Education & Training Services · 149 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 43 · Bottom 25%
Fair Value upside +0% · Below median
Return on assets -28% · Bottom 25%
Net margin (TTM) -21% · Bottom 25%
Operating margin (TTM) -32% · Bottom 25%
Revenue growth -64% · Bottom 25%

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

PEG 0.64× · Cheaper 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 33 · sector 37
FUTURE 0 · sector 22
PAST 0 · sector 19
HEALTH 0 · sector 95
DIVIDEND 0 · sector 74

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 Aug 4, 2026).

Stock Price Fair Value vs Fair Value
New Oriental Education & Technology Group EDUN 966.48 MXN 875.84 MXN -9%
TAL Education Group TAL $11.87 $15.60 +31%
Laureate Education, Inc LAUR $36.99 $41.45 +12%
Physicswallah Limited PWL ₹123.90 ₹14.81 -88%
Grand Canyon Education, Inc LOPE $142.06 $152.01 +7%
Covista Inc CVSA $128.22 $135.45 +6%
Stride, Inc LRN $78.59 $139.45 +77%
Universal Technical Institute, Inc UTI $25.64 $20.98 -18%
Perdoceo Education Corporation PRDO $31.24 $40.65 +30%
Strategic Education, Inc STRA $79.98 $105.48 +32%

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Frequently asked questions

Is Zovio Inc (ZVOI) overvalued or undervalued?
As of Aug 4, 2026, our model estimates a fair value of $0.0001 versus a price of $0.0001, about +0% (fairly valued).
What is the fair value of ZVOI?
Our model-based fair value for Zovio Inc is $0.0001 (as of Aug 4, 2026), built from audited fundamentals. The current price is $0.0001.
What is the quality score of ZVOI?
Zovio Inc has a Quality Score of 41/100. 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 Zovio Inc (ZVOI)?
Zovio Inc reported trailing-twelve-month revenue of about $190M (latest available figure, as of Aug 4, 2026).
What is the net profit margin of ZVOI?
The net profit margin of Zovio Inc is about -20.6%, 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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