NavientNAVI +2.65%56 EV-to-FCF is 138.84 as of Jul. 01, 2026, which is 38% above its 10-year median of 100.59. GuruFocus rates NAVI with a GF Score™ of 56/100 and a GF Value™ of $10.10 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 264 Credit Services companies, Navient ranks worse than 89.39% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Navient's Enterprise Value is $44,844.5 Mil.
Navient's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $323.0 Mil. Therefore, Navient's EV-to-FCF for today is 138.84.
The historical rank and industry rank for Navient's EV-to-FCF or its related term are showing as below:
NAVI'
s EV-to-FCF Range Over the Past 10 Years
Min: 59.22 Med: 100.59 Max: 264.98
Current: 138.84
During the past 13 years, the highest EV-to-FCF of Navient was 264.98. The lowest was 59.22. And the median was 100.59.
NAVI's EV-to-FCF is ranked worse than 89.39% of 264
companies
in the Credit Services industry
Industry Median: 13.305
vs NAVI: 138.84
EV-to-FCF 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-FCF 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 $8.73.
Navient's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.630.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Navient EV-to-FCF Related Terms
Navient EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Navient's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Navient's EV-to-FCF falls into.
Navient's current Enterprise Value is $44,844.5 Mil.
Navient's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $323.0 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-FCF of 138.84 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Navient and its competitors. This is 38% above median its historical median of 100.59. Over the past decade, Navient's EV-to-FCF has ranged from 59.22 to 264.98. According to the industry distribution chart, Navient ranks #236 out of 264 companies in the Credit Services industry, placing it in the top 89.4%.
Is Navient's EV-to-FCF too high?
Navient's current EV-to-FCF of 138.84 is 38% above median its 10-year median of 100.59. Over the past 10 years, this metric has ranged from a low of 59.22 to a high of 264.98. The Credit Services industry median EV-to-FCF is 13.31. Navient's value of 138.84 is 943.5% above this industry median. Based on the distribution chart, Navient ranks #236 out of 264 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Navient has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Navient's EV-to-FCF compare to OPFI and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #236 out of 264 companies for EV-to-FCF. This places Navient in the lower half of its industry. The industry median EV-to-FCF is 13.31. Navient's value of 138.84 is 943.5% above this benchmark. Historically, Navient's own EV-to-FCF has ranged from 59.22 to 264.98 over the past decade. While the company's 10-year median is 100.59 vs. the industry median of 13.31, Navient has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.31, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Navient's current EV-to-FCF of 138.84 is 943.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Navient and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Navient's current EV-to-FCF is 138.84, which is 38% above median its own 10-year median of 100.59. 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 Modestly Undervalued. The stock's GF Value™ is $10.10, compared to a current price of $8.73 — trading 13.6% below its estimated fair value. The current EV-to-FCF is 138.84, which is 38% above median its 10-year median of 100.59 and 943.5% above the Credit Services industry median of 13.31. Navient's overall GF Score™ is 56/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Navient (NAVI), the current EV-to-FCF is 138.84 as of Jul. 01, 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 undervalued.
The current stock price of $8.73 is trading 13.6% below its estimated GF Value™ of $10.10.
GuruFocus considers Navient to be Modestly Undervalued.
Key valuation signals for NAVI:
EV-to-FCF: 138.84 (38% above median its 10-year median of 100.59)
GF Value™: $10.10 vs. price of $8.73 (13.6% below fair value)
Industry Position: 943.5% above the Credit Services median (#236 of 264)
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.
56GF Score
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