Is NAVI or OMF more undervalued in 2026?

CirclFi compares Navient Corporation (NAVI) and OneMain Holdings, Inc. (OMF) using 13 institutional-grade valuation models. NAVI has a Quality of Company score of 5.9/10 while OMF scores 7.6/10.

Which is a better buy — NAVI or OMF?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do NAVI and OMF valuations compare?

NAVI at $8.31 and OMF at $54.06 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NAVI vs OMF Valuation Comparison 2026 — Intrinsic Value Analysis

NAVI

Credit Services

Navient Corporation

Quality

5.9

out of 10

Value Trap

LOW

Price

$8.31

Last close

Models

2/13

Active

OMF

Credit Services

OneMain Holdings, Inc.

Quality

7.6

out of 10

Value Trap

SAFE

Price

$54.06

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	NAVI Fair Value	NAVI Upside	OMF Fair Value	OMF Upside
Bayesian DCF	Intrinsic	—	—	$42.23	-21.9%
Markov DDM	Intrinsic	$16.86	+102.9%	—	—
ML-RIV	Intrinsic	—	—	$101.88	+88.5%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$10.92	+31.9%	$81.85	+51.4%

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NAVI vs OMF — Which Stock Is More Undervalued?

OMF scores higher with a 7.6/10 quality rating vs NAVI's 5.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Navient Corporation (NAVI) and OneMain Holdings, Inc. (OMF) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

NAVI currently trades at $8.31 with a QOC of 5.9/10, while OMF trades at $54.06 with a QOC of 7.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).