Navient Corporation (NAVI) Fair Value 2026

NAVI · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.5 /10

32 fundamental signals · 3 models active

Value Trap Risk

LOW (29/100)

Quick Summary — As of 2026-08-27, Navient Corporation (NAVI) trades at $9.31, versus a $14.11 median fair value across its 3 active models — 51.6% above the current price. QOC: 6.5/10. Value Trap Risk: 29/100 (LOW). 3/13 models active.

Key Facts

Ticker
NAVI
Price
$9.31
Quality Score
6.5/10
Value Trap Risk
29/100
Models Active
3/13
Last Updated
Strength: FTNN Topology suggests +150.5% upside with 7% confidence
Risk: Limited model coverage (3/13) may reduce confidence

Is Navient Corporation (NAVI) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Navient Corporation (NAVI) appears undervalued as of : the median of 3 independent fair value estimates is $14.11, 51.6% above the current price of $9.31. Estimates range from $3.86 to $23.32. NAVI scores 6.5/10 on fundamental quality and 29/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. NAVI’s +51.6% gap is wider than that market norm, and the Credit Services sector median is +17.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Navient Corporation Stock in 2026? →

What Fair Value Does Each Model Give NAVI?

3 Intrinsic Value Models vs. Current Price ($9.31)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $3.86 -58.6%
Relative · Medium Conviction
 $14.11 +51.6%
Relative · Low Conviction
 $23.32 +150.5%

All Models Active

All 3 models are displayed above.

What Is NAVI's Fair Value Range?

Spread across 3 independent models · $3.86 to $23.32

CirclFi's 3 active models place Navient Corporation (NAVI) between $3.86 and $23.32 per share, a spread of 138% of the median. The median of that range — $14.11 — is the fair value CirclFi publishes for NAVI, against a current price of $9.31.

Low · ML-RIVHigh · FTNN
$3.86median $14.11$23.32
Where the range comes from
Most bearish modelML Residual Income$3.86
Most bullish modelFTNN Topology$23.32
Model agreement2 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for NAVI. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on NAVI, not a CirclFi price target. How each model works →

What Is Navient Corporation (NAVI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Navient Corporation's intrinsic value is estimated at $14.11, suggesting a +51.6% median upside from the current price of $9.31. While 2 models see room for appreciation, model agreement is not unanimous as 1 model flags potential overvaluation. Model dispersion is worth noting: FTNN targets $23.32 (+150.5%), versus ML-RIV at $3.86 (-58.6%). This +209.0% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About NAVI?

3 of 13 models are currently active for NAVI. Of these, 2 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for NAVI is $14.11 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does NAVI Rank in Credit Services?

Among 54 Credit Services stocks, NAVI ranks #41 by Quality of Company score. CirclFi's QOC score of 6.5/10 evaluates 32 fundamental signals. A score of 6.5 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

The Credit Services sector introduces analytical considerations specific to lending environment businesses. For Navient Corporation, metrics like non-performing loan ratio provide important context that general-purpose valuation models may underweight.

Is NAVI a Value Trap?

CirclFi's Value Trap algorithm assigns NAVI a score of 29/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Navient Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Navient Corporation scores 6.5 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +209.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every NAVI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across NAVI's 3 active models, average confidence is 33%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Navient Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

WRLDWorld Acceptance CorporationQOC 6.8PRAAPRA Group, Inc.QOC 6.4SOFISoFi Technologies, Inc.QOC 6.9JFJ and Friends Holdings LimitedQOC 5.9UPSTUpstart Holdings, Inc.QOC 6.9KLARKlarna Group plcQOC 5.6SNTGSentage Holdings Inc.QOC 2.6XYFX FinancialQOC 8.2COFCapital One Financial CorporationQOC 7.5JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: WRLD · PRAA · SOFI · JF · UPST · KLAR · SNTG · XYF · COF · JFIN · MA

Which Other Stocks Have a Similar Quality Score to NAVI?

7 companies across all industries closest to NAVI’s Quality of Company score of 6.5/10.

CLPTClearPoint Neuro, Inc.QOC 6.5SRTAStrata Critical Medical, Inc.QOC 6.5RCATRed Cat Holdings, Inc.QOC 6.5ARRARMOUR Residential REIT, Inc.QOC 6.5ARRYArray Technologies, Inc.QOC 6.5NAIINatural Alternatives International, Inc.QOC 6.5NVDANVIDIA CorporationQOC 10.0

Read investment analysis: CLPT · SRTA · RCAT · ARR · ARRY · NAII · NVDA

Where Does NAVI Sit in CirclFi's Credit Services Rankings?

NAVI is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Navient Corporation’s Valuation?

What is Navient Corporation's intrinsic value in 2026?

CirclFi puts Navient Corporation (NAVI)'s intrinsic value at $14.11 — the median of 3 independent model estimates as of 2026-08-27, ranging from $3.86 to $23.32. The Quality of Company score is 6.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is NAVI overvalued or undervalued right now?

At $9.31, 2 of 3 active models suggest NAVI may be undervalued, while 1 indicate potential overvaluation. The median of all 3 fair value estimates is $14.11, 51.6% above the current price of $9.31 — a consensus view that NAVI is undervalued. The assessment depends on which methodology best fits Navient Corporation's business model in Credit Services.

What does a Quality of Company score of 6.5 mean for NAVI?

Navient Corporation's QOC of 6.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on NAVI?

CirclFi analyzes NAVI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on NAVI?

Of the 3 models currently active on NAVI, FTNN Topology is the most bullish at $23.32 per share, and ML Residual Income is the most bearish at $3.86. CirclFi's published fair value for NAVI is the median of that range, $14.11, not either extreme. The gap between the two ends equals 138% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is NAVI a value trap in 2026?

Navient Corporation's Value Trap score is 29/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Navient Corporation (NAVI) has a median fair value of $14.11 — 51.6% above the current price of $9.31 — as of 2026-08-27.” Source: circlfi.com/stock/NAVI/ · Methodology
Primary sources for this NAVI valuation
  • Financial statements: Navient Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0001593538) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for NAVI as of ; valuations recomputed .