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NavientLTS:0K5R -5.00%50 Earnings Yield (Joel Greenblatt) % is 5.45% as of Jun. 2026. GuruFocus rates LTS:0K5R with a GF Score™ of 50/100 and a GF Value™ of $11.01 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 548 Credit Services companies, Navient ranks better than 69.34% on this metric.
Navient's Enterprise Value for the quarter that ended in Jun. 2026 was $43,006 Mil.
Navient's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was $2,343 Mil. Navient's Earnings Yield (Joel Greenblatt) for the quarter that ended in Jun. 2026 was 5.45%.
The historical rank and industry rank for Navient's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
LTS:0K5R's Earnings Yield (Joel Greenblatt) % is not ranked *
in the Credit Services industry.
Industry Median: 1.85 * Ranked among companies with meaningful Earnings Yield (Joel Greenblatt) % only.
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Navient's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 61.82%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Navient Earnings Yield (Joel Greenblatt) % Related Terms
Navient Earnings Yield (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Navient's Earnings Yield (Joel Greenblatt) % 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.
For the Credit Services subindustry, Navient's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Navient's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Navients Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
Navient's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2,343 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 5.45% mean?
Navient (LTS:0K5R) has a Earnings Yield (Joel Greenblatt) % of 5.45% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Navient and its competitors. According to the industry distribution chart, Navient ranks #168 out of 548 companies in the Credit Services industry, placing it in the top 30.7%.
Is Navient's Earnings Yield (Joel Greenblatt) % too high?
Navient's current Earnings Yield (Joel Greenblatt) % is 5.45%. The Credit Services industry median Earnings Yield (Joel Greenblatt) % is 1.85. Navient's value of 5.45% is 194.6% above this industry median. Based on the distribution chart, Navient ranks #168 out of 548 companies in the Credit Services industry, which is above the industry midpoint. Overall, Navient has a GF Score™ of 50/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Navient's Earnings Yield (Joel Greenblatt) % compare to WRLD and FINV?
According to the Credit Services industry distribution chart, Navient ranks #168 out of 548 companies for Earnings Yield (Joel Greenblatt) %. This puts Navient in the upper half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 1.85. Navient's value of 5.45% is 194.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 1.85, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Navient's current Earnings Yield (Joel Greenblatt) % of 5.45% is 194.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Navient and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Navient's current Earnings Yield (Joel Greenblatt) % is 5.45%. 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?
Based on GuruFocus' analysis, Navient (LTS:0K5R) is currently considered Modestly Undervalued. The stock's GF Value™ is $11.01, compared to a current price of $9.50 — trading 13.7% below its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 5.45% and 194.6% above the Credit Services industry median of 1.85. Navient's overall GF Score™ is 50/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Navient (LTS:0K5R), the current Earnings Yield (Joel Greenblatt) % is 5.45% as of Jun. 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 (LTS:0K5R) Overvalued in 2026?
Based on GuruFocus' analysis, Navient stock appears to be undervalued.
The current stock price of $9.50 is trading 13.7% below its estimated GF Value™ of $11.01.
GuruFocus considers Navient to be Modestly Undervalued.
Key valuation signals for LTS:0K5R:
Earnings Yield (Joel Greenblatt) %: 5.45%
GF Value™: $11.01 vs. price of $9.50 (13.7% below fair value)
Industry Position: 194.6% above the Credit Services median (#168 of 548)
No single metric tells the full story. See the LTS:0K5R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
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