NAVI PE Ratio & Valuation,Is NAVI Overvalued

NAVI Relative Valuation

NAVI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, NAVI is overvalued; if below, it's undervalued.

Historical Valuation

Navient Corp (NAVI) is now in the Overvalued zone, suggesting that its current forward PE ratio of 11.83 is considered Overvalued compared with the five-year average of 7.73. The fair price of Navient Corp (NAVI) is between 6.64 to 11.86 according to relative valuation methord. Compared to the current price of 12.74 USD , Navient Corp is Overvalued By 7.42%.

Relative Value

Fair Zone

6.64-11.86

Current Price：12.74

7.42%

Overvalued

11.83

0.00

EV/EBITDA

Navient Corp. (NAVI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Navient Corp. (NAVI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.08

Navient Corp. (NAVI) has a current PS of 2.08. The 5-year average PS is 2.67. The thresholds are as follows: Strongly Undervalued below 1.63, Undervalued between 1.63 and 2.15, Fairly Valued between 3.19 and 2.15, Overvalued between 3.19 and 3.71, and Strongly Overvalued above 3.71. The current Forward PS of 2.08 falls within the Undervalued range.

0.00

P/OCF

Navient Corp. (NAVI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Navient Corp. (NAVI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Navient Corp (NAVI) has a current Price-to-Book (P/B) ratio of 0.51. Compared to its 3-year average P/B ratio of 0.63 , the current P/B ratio is approximately -19.11% higher. Relative to its 5-year average P/B ratio of 0.78, the current P/B ratio is about -34.54% higher. Navient Corp (NAVI) has a Forward Free Cash Flow (FCF) yield of approximately 22.14%. Compared to its 3-year average FCF yield of 30.01%, the current FCF yield is approximately -26.23% lower. Relative to its 5-year average FCF yield of 27.40% , the current FCF yield is about -19.22% lower.

0.51

P/B

Median3y

0.63

Median5y

0.78

22.14

FCF Yield

Median3y

30.01

Median5y

27.40

Competitors Valuation Multiple

The average P/S ratio for NAVI's competitors is 0.92, providing a benchmark for relative valuation. Navient Corp Corp (NAVI) exhibits a P/S ratio of 2.08, which is 124.87% above the industry average. Given its robust revenue growth of -20.60%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of NAVI decreased by 1.99% over the past 1 year. The primary factor behind the change was an decrease in Margin Expansion from -0.20 to -10.89.

The secondary factor is the Revenue Growth, contributed -20.60%to the performance.

Overall, the performance of NAVI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

-20.60%

995.00M → 790.00M

Revenue Growth

5345.00%

-0.20 → -10.89

Margin Expansion

-5326.39%

0.48 → -25.17

P/E Change

-1.99%

13.00 → 12.74

Mkt Cap Growth

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Frequently Asked Questions

Is Navient Corp (NAVI) currently overvalued or undervalued?

What is Navient Corp (NAVI) fair value?

NAVI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Navient Corp (NAVI) is between 6.64 to 11.86 according to relative valuation methord.

How does NAVI's valuation metrics compare to the industry average?

What is the current P/B ratio for Navient Corp (NAVI) as of Dec 15 2025?

As of Dec 15 2025, Navient Corp (NAVI) has a P/B ratio of 0.51. This indicates that the market values NAVI at 0.51 times its book value.

What is the current FCF Yield for Navient Corp (NAVI) as of Dec 15 2025?

As of Dec 15 2025, Navient Corp (NAVI) has a FCF Yield of 22.14%. This means that for every dollar of Navient Corp’s market capitalization, the company generates 22.14 cents in free cash flow.

What is the current Forward P/E ratio for Navient Corp (NAVI) as of Dec 15 2025?

As of Dec 15 2025, Navient Corp (NAVI) has a Forward P/E ratio of 11.83. This means the market is willing to pay $11.83 for every dollar of Navient Corp’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Navient Corp (NAVI) as of Dec 15 2025?

As of Dec 15 2025, Navient Corp (NAVI) has a Forward P/S ratio of 2.08. This means the market is valuing NAVI at $2.08 for every dollar of expected revenue over the next 12 months.

NAVI Valuation

NAVI Valuation

NAVI Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Navient Corp (NAVI) currently overvalued or undervalued?

What is Navient Corp (NAVI) fair value?

How does NAVI's valuation metrics compare to the industry average?

What is the current P/B ratio for Navient Corp (NAVI) as of Dec 15 2025?

What is the current FCF Yield for Navient Corp (NAVI) as of Dec 15 2025?

What is the current Forward P/E ratio for Navient Corp (NAVI) as of Dec 15 2025?

What is the current Forward P/S ratio for Navient Corp (NAVI) as of Dec 15 2025?