NASDAQ: NAVI ยท Credit Services
Navient (NAVI) fair value and price range
As of 3 Oct 2026, Faircurve's model values Navient (NAVI) at $19.71 a share. The stock last closed at $9.19, which puts the model's fair value 114.5% above the price. The fair value sits more than 60% away from the price. Faircurve gives no verdict on a gap wider than 60%.
Revalued . Price is the close of 2 Oct 2026. Navient Corporation.
What price range does the model give NAVI?
The calibrated range for NAVI over 63 trading days is $16.44 to $23.89. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,809 past valuations, refreshed 3 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is below this range. For names with fair value 30%+ above price, the calibrated range has held the price 29% of the time over 63 trading days, and 71% ended below it; the typical move was +4.4%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $15.39 to $25.39. In 100% of the simulations the fair value came out above the price the model ran on.
How does NAVI compare with similar companies?
The companies in credit services closest to Navient in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| WRLD World Acceptance Corporation | $174.44 | $160.62 | -7.9% | Low evidence grade |
| PRAA PRA Group, Inc. | $18.87 | $21.48 | +13.8% | Fairly valued |
| PRG PROG Holdings, Inc. | $31.00 | $38.76 | +25.0% | Low evidence grade |
| EZPW EZCORP, Inc. | $30.20 | $36.15 | +19.7% | Low evidence grade |
| WU The Western Union Company | $6.00 | $7.62 | +27.0% | Undervalued |
| ECPG Encore Capital Group, Inc. | $95.92 | $105.72 | +10.2% | Low evidence grade |
| SEZL Sezzle Inc. | $107.41 | $109.97 | +2.4% | Fairly valued |
| BFH Bread Financial Holdings, Inc. | $98.05 | $122.98 | +25.4% | Undervalued |
When does NAVI report earnings, and how has the stock reacted?
Navient's next earnings report is scheduled for 28 Oct 2026. Companies can move their dates.
How NAVI moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 6.4%.
| Report date | Two session move |
|---|---|
| 6 Aug 2026 | +0.2% |
| 29 Apr 2026 | +0.8% |
| 28 Jan 2026 | -17.9% |
| 29 Oct 2025 | -7.3% |
| 30 Jul 2025 | -6.2% |
| 30 Apr 2025 | +18.0% |
| 29 Jan 2025 | -6.6% |
| 30 Oct 2024 | -6.0% |
Navient at a glance
Navient Corporation specializes in managing education loans and delivering comprehensive business processing services. Its clientele spans the education, healthcare, and government sectors, serving federal, state, and local entities across the United States.
- Market value
- $864M
- Sector
- Financial Services
- Industry
- Credit Services
- Consensus revenue growth, next fiscal year
- -82.0%
- Analysts with estimates
- 5
- Beta to the US market
- 0.51
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Navient on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for NAVI was $23.99. As of 3 Oct 2026 it is $19.71, a change of -17.8%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Navient's valuation
Is Navient stock undervalued or overvalued?
Faircurve's model puts NAVI's fair value at $19.71 a share against a last close of $9.19, as of 3 Oct 2026. The fair value sits more than 60% away from the price. Faircurve gives no verdict on a gap wider than 60%.
What is NAVI's fair value?
$19.71 a share as of 3 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $15.39 to $25.39.
What price range does the model give NAVI?
$16.44 to $23.89 over 63 trading days. Ranges built this way held the price 60% of the time across 4,809 past valuations, refreshed 3 Oct 2026.
When does Navient report earnings next?
The next report is scheduled for 28 Oct 2026. Companies can move their dates.
How much has NAVI moved on past earnings reports?
Across its last 8 reports the median two session move was 6.4%, ignoring direction. The largest was +18.0% around the report of 30 Apr 2025.
How confident is the model in this valuation?
The model's evidence grade for NAVI is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.