Is Navient Corporation (NAVI) Overvalued?
We dive into why Navient Corporation (NAVI) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
Navient Corporation provides technology-enabled education finance for education in the United States. It operates through two segments: Federal Education Loans and Consumer Lending. The company owns and manages portfolio of private education loans; and offers education lending and digital financial services, in-school student loans, and refinancing products under Earnest brand. It also owns Federal Family Education Loan Program (FFELP) loans that are insured or guaranteed by state or not-for-profit agencies; and performs servicing on its portfolios, as well as federal education loans held by other institutions. Navient Corporation was founded in 1973 and is headquartered in Herndon, Virginia.
Commentary & Analysis
Why Navient Corporation’s (NAVI) Stock Is Down 7.85%
As of Friday, August 07, Navient Corporation’s NAVI share price has dipped by 7.85%, which has investors questioning if this is right time to buy.Jenna Brashear
What You Need to Know About Navient Corporation's Q3 Earnings
Navient Corporation's fiscal Q3 earnings report was released on Thursday, August 06. Let's dive in to see if (NAVI) missed or beat analyst's expectations.Michael Rose
Why Navient Corporation’s (NAVI) Stock Is Up 5.04%
As of Tuesday, August 04, Navient Corporation’s NAVI share price has surged by 5.04%, which has investors questioning if this is right time to sell.Michael Rose
Why Navient Corporation’s (NAVI) Stock Is Up 6.14%
As of Wednesday, June 24, Navient Corporation’s NAVI share price has surged by 6.14%, which has investors questioning if this is right time to sell.Michael Rose
Financial Summary
| Share Statistics | NAVI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $853.4 | $1,213.4 | 43% |
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| Shares Out (Mil) | 95.0 | 36.6 | 61% |
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| Institutional Ownership | 97.9% | 78.3% | 76% |
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| Float (Mil) | 62.9 | 32.9 | 52% |
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| Beta | 1.19 | 1.02 | 71% |
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| Avg Daily Volume (000s) | 1,496 | 450 | 77% |
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| Price Change (52-week) |
(29.6%) | 80.0% | 23% |
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| Growth | NAVI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | (26.4%) | 8.6% | 1% |
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| Net Income (5yr) | (17.0%) | 14.1% | 23% |
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| EPS (5yr) | (19.0%) | 15.9% | 14 |
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| Dividends (5yr) | 0.0% | 0.0% | 72% |
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| Cash Flow (5yr) | 15.0% | (2.8%) | 73% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 7 | 7 | 7 | |
| Current EPS | $0.076 | $0.746 | $0.951 | |
| Month Ago EPS | $0.083 | $0.715 | $0.945 | |
| # Rev Up | 0 | 0 | 0 | |
| # Rev Down | 2 | 1 | 1 | |
| Three Months Ago EPS | $0.094 | $0.719 | $0.946 | |
| Year/Year Chg | (70.8%) | (192.1%) | (222.2%) | |
| Financials | NAVI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $334 | $1,268 | 37% |
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| Net Income (TTM) (Mil) | ($49) | $154 | 16% |
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| EPS (TTM) | ($0.513) | $1.700 | 27% |
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| Operating Cash Flow (TTM) (Mil) | $340 | $247 | 66% |
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| Net Cash Flow (TTM) (Mil) | $62 | $2 | 72% |
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| Long-Term Debt (Q1) (Mil) | $40,123 | $963 | 98% |
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| Enterprise Value (Q1) (Mil) | na | $1,294 | na |
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| Valuation | NAVI | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.36 | 1.32 | 5% |
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| P/E | na | 10.0 | na |
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| Dividend Yield | 7.0% | 0.0% | 97% |
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| PEG (5yr hist) | na | 0.5 | na |
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| Ratios | NAVI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 100.0% | 75.8% | 96% |
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| Net Margin | (14.7%) | 14.6% | 18% |
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| ROA | (0.1%) | 2.8% | 38% |
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| ROE | (2.0%) | 14.4% | 33% |
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| Liabilities to Assets | 94.9% | 78.5% | 92% |
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| F-Score | 4 | 5 | 34% |
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Navient Corporation did not pass any screens on 8/20/2026.
