As of 2025-11-06, the Fair Value of Navient Corp (NAVI) is -2.50 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 11.89 USD, the upside of Navient Corp is -121.03%.
With the market price of 11.89 USD and our fair value calculation, Navient Corp (NAVI) is not a good investment. Investing in NAVI stocks now will result in a potential loss of 121.03%.
Note: valuation result may not be accurate due to the company's negative EPS.
Peter Lynch's formula is:
The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.
| Historical Earnings | ||||||
| 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 5Y Avg | |
| Net income | 412.00 | 717.00 | 645.00 | 228.00 | 131.00 | 426.60 |
| YoY growth | -30.99% | 74.03% | -10.04% | -64.65% | -42.54% | -14.84% |
| Market Cap (mil) | 1,189.00 |
| P/E | |
| Forward P/E | 11.43x |
| EPS | -0.50 |
| Avg earnings growth rate | -14.84% |
| TTM earnings | -50.00 |