Navient Corp (NAVI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Navient Corp stock (NAVI) is currently trading at $8.17. Navient Corp PS ratio (Price-to-Sales) is 2.32. Analyst consensus price target for NAVI is $10.33. WallStSmart rates NAVI as Sell.
- NAVI PE ratio analysis and historical PE chart
- NAVI PS ratio (Price-to-Sales) history and trend
- NAVI intrinsic value — DCF, Graham Number, EPV models
- NAVI stock price prediction 2025 2026 2027 2028 2029 2030
- NAVI fair value vs current price
- NAVI insider transactions and insider buying
- Is NAVI undervalued or overvalued?
- Navient Corp financial analysis — revenue, earnings, cash flow
- NAVI Piotroski F-Score and Altman Z-Score
- NAVI analyst price target and Smart Rating
Navient Corp
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Smart Analysis
Navient Corp (NAVI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/book, institutional own.. Concerns around return on equity and operating margin. Mixed signals suggest waiting for clearer direction before acting.
Navient Corp (NAVI) Key Strengths (3)
Growing significantly faster than its price suggests
Trading below book value, meaning the market prices it less than net assets
101.96% of shares held by major funds and institutions
Supporting Valuation Data
Navient Corp (NAVI) Areas to Watch (7)
Company is destroying shareholder value
Revenue declining -54.90%, a shrinking business
Earnings declining -59.40%, profits shrinking
Company is losing money with a negative profit margin
Near-zero operating margins, business under pressure
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.32x sales
Supporting Valuation Data
Navient Corp (NAVI) Detailed Analysis Report
Overall Assessment
This company scores 42/100 in our Smart Analysis, earning a D grade. Out of 10 metrics analyzed, 3 register as strengths (avg 10.0/10) while 7 fall into concern territory (avg 1.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Book, Institutional Own.. Valuation metrics including PEG Ratio (0.14), Price/Book (0.32) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Revenue Growth, EPS Growth. Some valuation metrics including Price/Sales (2.32) suggest expensive pricing. Growth concerns include Revenue Growth at -54.90%, EPS Growth at -59.40%, which may limit upside. Profitability pressure is visible in Return on Equity at -3.18%, Operating Margin at 4.30%, Profit Margin at -24.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -3.18% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -54.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Revenue Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NAVI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NAVI's Price-to-Sales ratio of 2.32x trades 404% above its historical average of 0.46x (96th percentile), historically expensive. The current valuation is 11% below its historical high of 2.6x set in Mar 2026, and 1831% above its historical low of 0.12x in Jun 2020. Over the past 12 months, the PS ratio has expanded from ~0.3x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Navient Corp (NAVI) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Navient Corp is in a turnaround phase, with management focused on restoring profitability. Revenue reached 330M with 55% decline year-over-year. The company is currently unprofitable, posting a -24.2% profit margin.
Key Findings
Generating 174M in free cash flow and 174M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 55% YoY. Worth determining whether this is cyclical or structural.
The company is unprofitable with a -24.2% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Dividend sustainability with a current yield of 7.9%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Navient Corp.
Bottom Line
Navient Corp is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(11 last 3 months)
| Insider | Type | Shares |
|---|---|---|
YOWAN, DAVID L. Director, President & CEO | Sell | -24,075 |
Data sourced from SEC Form 4 filings
Last updated: 8:26:12 AM
About Navient Corp(NAVI)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
Navient Corporation provides education loan management and business processing solutions for federal, state, and local government, education, and healthcare clients in the United States. The company is headquartered in Wilmington, Delaware.