US · NAVI
Navient Corporation
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Wilmington, DE 19801
- Website
- navient.com
Price · as of 2025-12-31
$9.17
Market cap 857.08M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $387.70 | +4,127.92% |
| Intrinsic Value(DCF) | $3.45 | -62.38% |
| Graham-Dodd Method(GD) | $6.26 | -31.7% |
| Graham Formula(GF) | $11.83 | +28.96% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | $18.35 | $44.70 | |||
| 2014 | $11.70 | $285.15 | $0.00 | $13.68 | $0.00 |
| 2015 | $7.63 | $435.95 | $0.00 | $12.48 | $0.75 |
| 2016 | $9.66 | $306.94 | $0.00 | $11.19 | $9.25 |
| 2017 | $9.67 | $479.83 | $0.00 | $5.71 | $13.08 |
| 2018 | $8.61 | $324.42 | $0.00 | $9.00 | $23.70 |
| 2019 | $7.99 | $329.19 | $0.00 | $15.00 | $16.14 |
| 2020 | $10.94 | $371.51 | $0.00 | $10.28 | $0.00 |
| 2021 | $14.19 | $410.15 | $0.00 | $22.98 | $11.70 |
| 2022 | $14.71 | $415.61 | $0.00 | $29.33 | $75.13 |
| 2023 | $15.19 | $393.04 | $0.00 | $16.89 | $61.67 |
| 2024 | $13.52 | $367.97 | $0.00 | $16.68 | $0.00 |
| 2025 | $8.62 | $387.70 | $0.00 | $6.26 | $11.83 |
AI valuation
Our deep-learning model estimates Navient Corporation's (NAVI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $387.70
- Current price
- $9.17
- AI upside
- +4,127.92%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$3.45
-62.38% upside
Graham-Dodd
$6.26
-31.7% upside
Graham Formula
$11.83
+28.96% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NAVI | Navient Corporation | $9.17 | 857.08M | +4,128% | -62% | -32% | +29% | -10.67 | 0.36 | 0.26 | 17.97 | — | 0.43 | 86.96% | 77.14% | -2.48% | -3.17% | 3.72% | -0.16% | 19.05 | 0.96 | 0.41 | 0.41 | 17.62 | -16864.00% | -2374.00% | -392.00% | 51.68% | 0.09 | 0.91% | 7.38% | -78.70% | 529.07% | 17.85 | 100.81 | 13.77 | 0.30 |
| BETR | Better Home & Finance Hol… | $32.90 | 500.15M | -88% | -88% | — | — | -0.73 | -2.57 | 1.25 | -4.22 | -0.07 | -1.46 | -35.42% | -156.61% | -171.83% | -640.35% | -52.94% | -22.69% | -13.20 | — | 1.98 | 0.68 | -3.60 | 107672.00% | 3565.00% | 13012.00% | -260.46% | -0.87 | -109.82% | 0.00% | 0.00% | 0.00% | -3.47 | -1.67 | 5.44 | -2.82 |
| BFC | Bank First Corporation | $134.67 | 1.51B | +1% | +12% | -13% | -16% | 19.02 | 0.82 | 5.65 | 14.38 | 169.33 | 0.82 | 70.34% | 36.67% | 29.73% | 6.22% | 7.08% | 1.60% | 0.07 | 1.26 | 0.05 | 0.05 | -0.13 | 1123.00% | 771.00% | -11989.00% | -0.86% | 0.00 | -1.15% | 4.22% | 80.20% | 5.84% | 15.29 | -115.62 | 5.61 | -0.28 |
| CNOB | ConnectOne Bancorp, Inc. | $26.53 | 1.33B | +66% | -60% | -11% | +26% | 16.81 | 0.86 | 2.23 | 10.46 | — | 1.05 | 44.17% | 18.59% | 13.26% | 5.72% | 5.25% | 0.67% | 0.74 | 0.39 | 391.51 | 391.51 | 9.56 | -1591.00% | 1344.00% | 7750.00% | 7.47% | 3.28 | 6.59% | 2.81% | 47.20% | 2.81% | 10.46 | 11.68 | 1.94 | 1.29 |
| DFIN | Donnelley Financial Solut… | $49.76 | 1.32B | +83% | -55% | -90% | -85% | 43.12 | 3.68 | 1.82 | 7.50 | — | -11.69 | 63.44% | 18.40% | 4.22% | 7.95% | 20.02% | 3.91% | 0.48 | 10.94 | 1.06 | 0.84 | 0.76 | -6242.00% | -191.00% | 247.00% | 7.72% | 0.82 | 20.35% | 0.00% | 0.00% | 13.24% | 11.02 | 14.42 | 2.03 | 4.53 |
| EZPW | EZCORP, Inc. | $26.53 | 1.56B | +86% | -2% | -18% | +26% | 10.56 | 1.13 | 0.91 | 7.18 | 36.30 | 1.80 | 58.55% | 11.71% | 8.60% | 11.98% | 8.84% | 6.36% | 0.75 | 6.48 | 5.61 | 4.33 | 1.46 | 2909.00% | 970.00% | 4187.00% | 9.54% | 0.74 | 8.76% | 0.00% | 0.00% | 9.41% | 9.73 | 13.15 | 1.14 | 2.66 |
| GHLD | Guild Holdings Company | $20.01 | 1.25B | +88% | -27% | -12% | +439% | 8.08 | 0.62 | 0.67 | 23.59 | — | -2.48 | 90.65% | 10.13% | 8.27% | 7.95% | 2.66% | 2.30% | 2.42 | 1.08 | 0.05 | 0.09 | 1.16 | -34375.00% | 6280.00% | 58804.00% | -85.39% | -0.30 | -18.38% | 3.92% | 31.70% | 32.75% | 31.08 | -5.53 | 3.15 | 0.28 |
| JCAP | Jefferson Capital, Inc. C… | $20.63 | 1.2B | — | — | -74% | +258% | — | — | — | — | — | — | 71.17% | 50.84% | 24.30% | 39.22% | 13.07% | 9.31% | 3.12 | — | 20.16 | 20.13 | 7.33 | -524.00% | 3412.00% | 3614.00% | — | 2.18 | 12.59% | — | 27.90% | — | — | — | — | — |
| LU | Lufax Holding Ltd | $2.60 | 1.09B | +853% | +620% | +1,146% | — | 2.73 | 0.03 | 0.06 | — | — | 0.03 | 69.55% | 35.51% | 2.13% | 0.96% | 9.36% | 0.30% | 0.49 | 1.61 | 29.50 | 29.05 | — | -8984.00% | -3962.00% | 24581.00% | 618.19% | 9.63 | 15.06% | 59.23% | 161.90% | 218.32% | 0.49 | 0.49 | 0.18 | 1.00 |
| OCSL | Oaktree Specialty Lending… | $11.34 | 998.89M | +237% | -53% | — | +131% | 33.62 | 0.78 | 3.81 | 16.87 | — | 0.78 | 87.21% | 50.39% | 11.32% | 2.30% | 4.91% | 1.09% | 1.01 | 1.30 | 11.20 | 11.20 | 9.32 | -4583.00% | 6093.00% | 64647.00% | 12.49% | 11.80 | 4.80% | 13.00% | 436.90% | 28.62% | 16.87 | 17.89 | 8.50 | 0.35 |
| PSEC | Prospect Capital Corporat… | $2.72 | 1.31B | +828% | -61% | — | +5,556% | -2.45 | 0.39 | -4.16 | -6.80 | — | 0.39 | 147.00% | 169.75% | 169.75% | -14.03% | -8.47% | -6.41% | 0.70 | -3.61 | 0.51 | 0.50 | -4.34 | -47500.00% | -15923.00% | 8686.00% | 45.42% | 5.57 | 9.43% | 28.86% | -70.70% | 55.98% | -6.80 | 6.10 | -11.54 | -0.35 |
About Navient Corporation
Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through three segments: Federal Education Loans, Consumer Lending, and Business Processing. The company owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing and asset recovery services on its own loan portfolio, as well as asset recovery services on FFELP loans owned by other institutions. It also owns, originates, acquires, and services refinance and in-school private education loans; and offers healthcare services that include revenue cycle outsourcing, accounts receivable management, extended business office support, consulting engagement, and public health programs, as well as business processing services to state governments, agencies, court systems, municipalities, and parking and tolling authorities. In addition, the company provides customizable solutions for its clients that include hospitals, hospital systems, medical centers, large physician groups, other healthcare providers, and public health departments; and corporate liquidity portfolio services. Navient Corporation was founded in 1973 and is headquartered in Wilmington, Delaware.
- CEO
- David L. Yowan
- Employees
- 2.1K
- Beta
- 1.32
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($3.45 ÷ $9.17) − 1 = -62.38% (DCF, example).