Is NAVI or OPRT more undervalued in 2026?

CirclFi compares Navient Corporation (NAVI) and Oportun Financial Corporation (OPRT) using 13 institutional-grade valuation models. NAVI has a Quality of Company score of 5.9/10 while OPRT scores 7.6/10.

Which is a better buy — NAVI or OPRT?

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 OPRT valuations compare?

NAVI at $8.31 and OPRT at $5.29 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NAVI vs OPRT 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

OPRT

Credit Services

Oportun Financial Corporation

Quality

7.6

out of 10

Value Trap

LOW

Price

$5.29

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	NAVI Fair Value	NAVI Upside	OPRT Fair Value	OPRT Upside
Earnings Power Value	Intrinsic	—	—	$6.19	+17.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	—	—	$6.31	+19.3%
Markov DDM	Intrinsic	$16.86	+102.9%	—	—
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$10.92	+31.9%	$11.21	+112.0%

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NAVI vs OPRT — Which Stock Is More Undervalued?

OPRT 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 Oportun Financial Corporation (OPRT) 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 OPRT trades at $5.29 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).