Navient (FRA:10D) Moat Score: 5/10 (As of Jul. 06, 2026)


FRA:10D Navient Corp FRA:10D
52 GF Score
Price €7.40
GF Value €8.68
! 3 Warning Signs
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What is Navient Moat Score?

Navient FRA:10D -1.99% 52 Moat Score is 5 as of Jul. 06, 2026. GuruFocus rates FRA:10D with a GF Score™ of 52/100 and a GF Value™ of €8.68. The stock has 3 warning signs investors should review. Among 564 Credit Services companies, Navient ranks better than 97.52% on this metric.

Navient has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Navient has Narrow Moat: Navient has a solid narrow moat with a strong position in student loan servicing and collections. It benefits from regulatory barriers and customer switching costs, but faces challenges from regulatory scrutiny and competition.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Navient might have Narrow Moat - Solid narrow moat.

Navient  (FRA:10D) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Navient Moat Score Related Terms

FRA:10D vs OPFI, GDOT, PRAA: Moat Score Comparison

For the Credit Services subindustry, Navient's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Navient's Moat Score distribution charts can be found below:

* The bar in red indicates where Navient's Moat Score falls into.


FRA:10D
52GF Score
Navient Corp FRA:10D
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Navient (FRA:10D) has a Moat Score of 5 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Navient ranks #14 out of 564 companies in the Credit Services industry, placing it in the top 2.5%.
Is Navient's Moat Score too high?
Navient's current Moat Score is 5. Based on the distribution chart, Navient ranks #14 out of 564 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Navient has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Navient's Moat Score compare to OPFI and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #14 out of 564 companies for Moat Score. This places Navient in the top 3% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Navient's current Moat Score is 5. 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 Moat Score of 5. The stock's GF Value™ is €8.68, compared to a current price of €7.40 — trading 14.7% below its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Navient (FRA:10D), the current Moat Score is 5 as of Jul. 06, 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 €7.40 is trading 14.7% below its estimated GF Value™ of €8.68.

Key valuation signals for FRA:10D:

  • Moat Score: 5
  • GF Value™: €8.68 vs. price of €7.40 (14.7% 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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.40
Price
€8.68
GF Value