Navient (FRA:10D) Cyclically Adjusted Revenue per Share: €9.22 (As of Mar. 2026)

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FRA:10D Navient Corp FRA:10D
52 GF Score
Price €7.45
GF Value €8.66
! 3 Warning Signs
View Full Analysis

What is Navient Cyclically Adjusted Revenue per Share?

Navient FRA:10D +0.68% 52 Cyclically Adjusted Revenue per Share is €9.22 as of Mar. 2026. GuruFocus rates FRA:10D with a GF Score™ of 52/100 and a GF Value™ of €8.66. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Navient's adjusted revenue per share for the three months ended in Mar. 2026 was €1.370. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is €9.22 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Navient's average Cyclically Adjusted Revenue Growth Rate was -1.10% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 0.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Navient was 0.30% per year. The lowest was 0.30% per year. And the median was 0.30% per year.

As of today (2026-07-22), Navient's current stock price is €7.45. Navient's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was €9.22. Navient's Cyclically Adjusted PS Ratio of today is 0.81.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Navient was 1.78. The lowest was 0.72. And the median was 1.38.


Navient  (FRA:10D) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Navient's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=7.45/9.22
=0.81

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Navient was 1.78. The lowest was 0.72. And the median was 1.38.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Navient Cyclically Adjusted Revenue per Share Related Terms


Navient Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Navient's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Navient Cyclically Adjusted Revenue per Share Chart

Navient Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 9.92 9.82 10.07 8.79

Navient Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.92 9.19 9.17 8.79 9.22

FRA:10D vs OPFI, GDOT, PRAA: Cyclically Adjusted Revenue per Share Comparison

For the Credit Services subindustry, Navient's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Navient Cyclically Adjusted PS Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Navient's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Navient's Cyclically Adjusted PS Ratio falls into.


FRA:10D
52GF Score
Navient Corp FRA:10D
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Navient Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Navient's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.37/330.2130*330.2130
=1.370

Current CPI (Mar. 2026) = 330.2130.

Navient Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.498 241.018 2.052
201609 2.036 241.428 2.785
201612 1.899 241.432 2.597
201703 1.554 243.801 2.105
201706 1.602 244.955 2.160
201709 1.895 246.819 2.535
201712 1.844 246.524 2.470
201803 1.628 249.554 2.154
201806 1.403 251.989 1.839
201809 1.662 252.439 2.174
201812 1.479 251.233 1.944
201903 1.752 254.202 2.276
201906 1.751 256.143 2.257
201909 2.023 256.759 2.602
201912 2.176 256.974 2.796
202003 1.018 258.115 1.302
202006 1.972 257.797 2.526
202009 2.245 260.280 2.848
202012 2.249 260.474 2.851
202103 3.029 264.877 3.776
202106 2.405 271.696 2.923
202109 2.616 274.310 3.149
202112 2.876 278.802 3.406
202203 3.323 287.504 3.817
202206 2.928 296.311 3.263
202209 2.794 296.808 3.108
202212 2.322 296.797 2.583
202303 2.313 301.836 2.530
202306 2.267 305.109 2.454
202309 3.268 307.789 3.506
202312 1.803 306.746 1.941
202403 2.316 312.332 2.449
202406 2.049 314.175 2.154
202409 1.477 315.301 1.547
202412 2.219 315.605 2.322
202503 1.415 319.799 1.461
202506 1.339 322.561 1.371
202509 1.400 324.800 1.423
202512 1.219 324.054 1.242
202603 1.370 330.213 1.370

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of €9.22 mean?
Navient (FRA:10D) has a Cyclically Adjusted Revenue per Share of €9.22 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Navient and its competitors.
Is Navient's Cyclically Adjusted Revenue per Share too high?
Navient's current Cyclically Adjusted Revenue per Share is €9.22. Overall, Navient has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Navient's Cyclically Adjusted Revenue per Share compare to OPFI and GDOT?
Navient's Cyclically Adjusted Revenue per Share of €9.22 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Credit Services company?
A good Cyclically Adjusted Revenue per Share depends on the Credit Services industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Navient and its competitors. Navient's current Cyclically Adjusted Revenue per Share is €9.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Navient stock overvalued right now?
Navient (FRA:10D) has a current Cyclically Adjusted Revenue per Share of €9.22. The stock's GF Value™ is €8.66, compared to a current price of €7.45 — trading 14% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is €9.22. Navient's overall GF Score™ is 52/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Navient (FRA:10D), the current Cyclically Adjusted Revenue per Share is €9.22 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Navient (FRA:10D) Overvalued in 2026?

Based on GuruFocus' analysis, Navient stock appears to be undervalued. The current stock price of €7.45 is trading 14% below its estimated GF Value™ of €8.66.

Key valuation signals for FRA:10D:

  • Cyclically Adjusted Revenue per Share: €9.22
  • GF Value™: €8.66 vs. price of €7.45 (14% below fair value)
  • GF Score™: 52/100 with 3 warning signs

No single metric tells the full story. See the FRA:10D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Navient Business Description

Other Exchanges NAVI:USA0K5R:UK10D:Germany
Address 13865 Sunrise Valley Drive, Herndon, VA, USA, 20171
Navient Corp provides technology-enabled education finance solutions that simplify complex programs and help millions of people achieve success. The company operates its business in two segments: Federal Education Loans, and Consumer Lending. A majority of its revenue is generated from the Federal Education Loans segment, in which the company owns and manages the Federal Family Education Loan Program (FFELP) loans, generating revenue mainly in the form of net interest income. The Consumer Lending segment owns and manages private education loans and is the master servicer for these portfolios. Through its Earnest brand, the company also refinances and originates in-school private educational loans.
52GF Score

Get the complete analysis for FRA:10D

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.45
Price
€8.66
GF Value