NASD · Financial · Credit Services · USA
Navient Holdings Inc is a small cap company (market value between $300 million and $2 billion) in the Credit Services industry.
Navient holds and manages portfolios of private and federally guaranteed education loans, earning revenue chiefly through net interest income on these assets. Through its Earnest brand, the company originates and refinances private education loans for students and families. The company previously operated business processing divisions for healthcare and government services, which it divested.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Navient Holdings Inc stock.
Undervalued: intrinsic value $30.68 per share, market price $9.30, margin of safety 69.7% (as of 2026-10-30).
Book value and earnings at sector multiples values the shares at $30.68; the price of $9.30 is 70% below that value.
Leak Score: 64/100 on 10 of 12 signals (Faint Leak).
17 more funds hold it; the full list is part of the paid plan.
NAVI is undervalued (as of the 2026-10-30 close). Book value and earnings at sector multiples values the shares at $30.68; the price of $9.30 is 70% below that value.
$30.68 per share (as of the 2026-10-30 close), against a market price of $9.30. That is a margin of safety of 69.7%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
64 out of 100, which we rate "Faint Leak", on 10 of 12 value investing signals.