Navient Corporation (NAVI) fair value analysis
Nasdaq · Updated 2026-10-19
NAVI price how computed
Forward Fair Value verdict
OvervaluedNAVI is trading at more than a 25% premium to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $9.28
- Sector
- Financial Services
- 12-month range
- $7.44–$13.28
- Market cap
- $870M
- From 52-week high
- -30.1%
- Shares outstanding
- 93.8M
- Rank in Financial Services by discount to fair value
- #167 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
Navient Corporation is a financial services company that manages student loan servicing and provides education finance solutions. The company operates primarily in the United States.
NAVI currently ranks #167 of 167 Financial Services stocks by discount to fair value. It has screened as Overvalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $870M
- P/E (trailing)
- n/m
- Revenue (TTM)
- $2.94B
- Net margin
- -1.7%
- EPS (TTM)
- $-0.33
- Gross margin
- 96.0%
- Debt / equity
- 18.49
- Revenue growth (3-yr avg)
- -15.9%
- Shares outstanding
- 93.8M
Derived indicators how computed
- Quality grade
- F
- Margin trend
- Expanding
- 52-week position
- The lower-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 43 · neutral
- 50-day average
- $9.28
- 200-day average
- $9.13
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $0.64 per share (4 payments)
- Yield on last price
- 6.90%
- Consecutive years of increases
- 0 (no streak on complete calendar years)
- Last ex-dividend date
- 2026-09-04
- Last payment date
- 2026-09-18
Earnings how computed
- Next earnings report
- 2026-11-04 (post-market)
- Last 8 quarters vs consensus
- 3 beat, 5 missed
- Quarter by quarter
- 2026-06 ▲ beat (+52.6%)
2026-03 ▲ beat (+25.0%)
2025-12 ▼ miss (-93.5%)
2025-09 ▼ miss (-566.7%)
2025-06 ▼ miss (-25.9%)
2025-03 ▼ miss (-414.3%)
2024-12 ▼ miss (-209.1%)
2024-09 ▲ beat (+480.0%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 1 buy · 3 hold · 3 sell (7 analysts)
- Consensus lean
- Hold-leaning
- Consensus price target
- $9
- Target vs last price
- -3.0%
What our data shows for NAVI
- Our model validated 10 trailing price-to-earnings windows for NAVI, built from quarterly earnings records.
- Shares are trading in the lower third of their 12-month price range of $7.44–$13.28.
- The 14-day relative strength index sits at a neutral 43.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for NAVI
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent NAVI news
TickrTrends' derived news-sentiment signal for NAVI is currently leaning positive, computed from recent coverage.
- Navient (NAVI) Announces Holding Company Restructure Amid Mixed Financial Signals (gurufocus.com, 2026-10-21)
TickrTrends take: Navient's announced holding company restructure occurs at a time when TickrTrends considers the stock overvalued based on current metrics in the Financial Services sector. Investors focused on valuation should monitor how the restructuring affects the company's financial efficiency and whether it produces tangible improvements in earnings power that could justify the current stock price. The mixed financial signals referenced in the announcement warrant close attention to upcoming earnings reports and guidance, as these will be critical to determining whether the overvaluation assessment shifts. - Navient to announce third quarter 2026 results, host earnings webcast November 4 (manilatimes.net, 2026-10-07)
TickrTrends take: Navient's upcoming third quarter 2026 earnings announcement will provide concrete data on the company's financial performance that can be evaluated against its current market valuation. Given TickrTrends' assessment that NAVI is overvalued, investors focused on valuation metrics should pay particular attention to revenue trends, profitability margins, and cash flow generation relative to the stock's current price. The earnings report and subsequent webcast will offer an opportunity to assess whether financial results support the premium at which the market is currently pricing this Financial Services sector company. - Navient names Diane Offereins as new board member (manilatimes.net, 2026-09-25)
TickrTrends take: Navient's appointment of Diane Offereins as a new board member represents a governance change that may warrant attention from investors evaluating the company's strategic direction and operational oversight. Given TickrTrends' current assessment that NAVI is overvalued, observers should monitor whether this leadership addition signals management's confidence in executing value creation strategies or reflects efforts to stabilize investor sentiment. In the Financial Services sector where regulatory scrutiny and operational execution heavily influence shareholder returns, board composition changes merit consideration in reassessing whether current valuation multiples remain justified.
More NAVI news
- Navient Completes $612.5 Million Securitization Backed by Private Education Loans (manilatimes.net, 2026-09-18)
What people are saying
Follow the NAVI conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — TickrTrends' derived indicators for NAVI show that the 50/200-day trend state has shifted from mixed to uptrend this week. The stock, which operates in the Financial Services sector, maintains an overvalued current valuation verdict.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — TickrTrends' derived indicators for NAVI show a shift in momentum this week, with the 50/200-day trend state moving from uptrend to mixed. Despite this weakening trend signal, the stock maintains an overvalued valuation verdict based on current metrics. The transition to a mixed trend state suggests reduced directional conviction compared to the previous week's uptrend condition.
- 2026-10-05 — NAVI, a company in the Financial Services sector, shows mixed movement in its technical indicators this week. The 50/200-day trend state has shifted from mixed to uptrend, suggesting improved momentum in the near term, though the stock remains classified as overvalued based on current valuation metrics.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is NAVI stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), NAVI is trading at more than a 25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.
What is NAVI's TickrTrends verdict?
NAVI's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.
How does NAVI compare to other Financial Services stocks?
NAVI ranks #167 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is NAVI overbought or oversold?
NAVI's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does NAVI pay a dividend?
Yes. NAVI paid $0.64 per share over the last twelve months (4 payments), a 6.90% yield on TickrTrends' last price. The last ex-dividend date was 2026-09-04.
When does NAVI report earnings next?
NAVI's next earnings report is scheduled for 2026-11-04 (post-market), per the published earnings calendar.
Does NAVI usually beat earnings estimates?
Over its last 8 reported quarters NAVI beat the consensus estimate 3 times and missed 5 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about NAVI?
Of 7 analysts covering NAVI, 1 rate it a buy, 3 a hold and 3 a sell - hold-leaning, with a consensus price target of $9 (-3.0% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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