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NavientNAVI +1.69%60 EV-to-OCF is 129.53 as of Sep. 05, 2026, which is 28% above its 10-year median of 100.87. GuruFocus rates NAVI with a GF Score™ of 60/100 and a GF Value™ of $9.47 (Fairly Valued). The stock has 3 warning signs investors should review. Among 542 Credit Services companies, Navient ranks worse than 95.02% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Navient's Enterprise Value is $44,040.1 Mil.
Navient's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $340.0 Mil. Therefore, Navient's EV-to-OCF for today is 129.53.
The historical rank and industry rank for Navient's EV-to-OCF or its related term are showing as below:
NAVI'
s EV-to-OCF Range Over the Past 10 Years
Min: 59.22 Med: 100.87 Max: 264.98
Current: 129.53
During the past 13 years, the highest EV-to-OCF of Navient was 264.98. The lowest was 59.22. And the median was 100.87.
NAVI's EV-to-OCF is ranked worse than 95.02% of 542
companies
in the Credit Services industry
Industry Median: -0.09
vs NAVI: 129.53
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Navient's share price for today is $9.63.
Navient's Earnings per Share (Diluted) 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 $-0.500.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Navient EV-to-OCF Related Terms
Navient EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Navient's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Navient's EV-to-OCF falls into.
Navient's current Enterprise Value is $44,040.1 Mil.
Navient's Cash Flow from Operations 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 $340.0 Mil.
* 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 (NAVI) has a EV-to-OCF of 129.53 as of Sep. 05, 2026. This is 28% above median its historical median of 100.87. Over the past decade, Navient's EV-to-OCF has ranged from 59.22 to 264.98. According to the industry distribution chart, Navient ranks #515 out of 542 companies in the Credit Services industry, placing it in the top 95%.
Is Navient's EV-to-OCF too high?
Navient's current EV-to-OCF of 129.53 is 28% above median its 10-year median of 100.87. Over the past 10 years, this metric has ranged from a low of 59.22 to a high of 264.98. Based on the distribution chart, Navient ranks #515 out of 542 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Navient has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Navient's EV-to-OCF compare to WRLD and FINV?
According to the Credit Services industry distribution chart, Navient ranks #515 out of 542 companies for EV-to-OCF. This places Navient in the lower half of its industry. Historically, Navient's own EV-to-OCF has ranged from 59.22 to 264.98 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Navient's current EV-to-OCF is 129.53, which is 28% above median its own 10-year median of 100.87. 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 (NAVI) is currently considered Fairly Valued. The stock's GF Value™ is $9.47, compared to a current price of $9.63 — trading 1.7% above its estimated fair value. The current EV-to-OCF is 129.53, which is 28% above median its 10-year median of 100.87. Navient's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Navient (NAVI), the current EV-to-OCF is 129.53 as of Sep. 05, 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 (NAVI) Overvalued in 2026?
Based on GuruFocus' analysis, Navient stock appears to be overvalued.
The current stock price of $9.63 is trading 1.7% above its estimated GF Value™ of $9.47.
GuruFocus considers Navient to be Fairly Valued.
Key valuation signals for NAVI:
EV-to-OCF: 129.53 (28% above median its 10-year median of 100.87)
GF Value™: $9.47 vs. price of $9.63 (1.7% above fair value)
No single metric tells the full story. See the NAVI 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.
60GF Score
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