Navient Corp
NASDAQ: NAVI · FINANCIAL SERVICES · CREDIT SERVICES
Updated 2026-04-30
Navient Corp (NAVI) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for NAVI.
Current price exceeds what fundamentals support. Risk/reward skewed unfavorably.
NAVI historical valuation range
Where current P/E sits in NAVI's own 5Y range.
NAVI intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
NAVI valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
P/S Ratio — History
Current: 2.72x
Is NAVI overvalued in 2026?
Navient Corp (NAVI) currently trades at $9.24 per share with a market capitalization of $893,839,000.00. Based on our multi-factor framework, the stock appears richly valued with a Smart Value Score of 49/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
NAVI currently has no meaningful P/E ratio, which typically signals that the company is unprofitable, near breakeven, or emerging from a loss-making period. With a P/S ratio of 2.7x, the market is valuing the company primarily on its revenue rather than its earnings.
Looking at its own history, NAVI is currently trading cheaper than 100% of the last 5Y on P/E. This places it in the 0th percentile of its historical range, a level that has historically coincided with attractive entry points.
A standard DCF model does not produce reliable output for NAVI under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
Financial quality is a concern. The Piotroski F-Score of 0/9 flags weakening fundamentals that deserve closer scrutiny before the valuation case can be fully trusted.
Bottom line: NAVI appears richly valued on our framework, with a Smart Value Score of 49/100. At current levels the risk/reward is skewed against the buyer. A materially lower price or significant operational improvement would be needed to change the picture.
Frequently asked questions
Is NAVI overvalued in 2026?
Based on a Smart Value Score of 49/100, NAVI appears overvalued. Current price exceeds what fundamentals currently justify.
What is NAVI's fair value?
Standard DCF is unreliable for NAVI due to its current profitability profile. Revenue-based approaches such as EV/Sales or historical P/S percentile are more informative for this stock.
What P/E ratio does NAVI trade at?
NAVI does not have a meaningful P/E ratio at this time, typically a sign of unprofitability or an ongoing earnings transition.
Is NAVI a buy based on valuation?
WallStSmart does not issue buy or sell recommendations. Our Smart Value Score of 49/100 reflects the combined read on growth, quality, and price. The profile skews cautious. Consider waiting for a better price or clearer operational improvement.
How does NAVI's valuation compare to its history?
On P/E, NAVI currently sits in the 0th percentile of its own 5Y range. That is historically cheap relative to where it has traded over the period.
What is NAVI's Smart Value Score?
NAVI's Smart Value Score is 49/100. The Smart Value Score is a proprietary WallStSmart metric blending growth quality, financial health, and valuation attractiveness into a single 0-100 read. Scores above 75 are rare and indicate strong multi-factor alignment.