Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
NavientFRA:10D -0.68%52 Net Debt Paydown Yield % is 455.22% as of Jul. 17, 2026, which is 25% above its 10-year median of 363.81. GuruFocus rates FRA:10D with a GF Score™ of 52/100 and a GF Value™ of €8.45. The stock has 3 warning signs investors should review. Among 473 Credit Services companies, Navient ranks better than 99.37% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Navient's Net Debt Paydown Yield % was 455.22%.
Navient (FRA:10D) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
The historical data trend for Navient's Net Debt Paydown Yield % 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.
FRA:10D vs OPFI, GDOT, PRAA: Net Debt Paydown Yield % Comparison
For the Credit Services subindustry, Navient's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Navient's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Navient's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 455.22% mean?
Navient (FRA:10D) has a Net Debt Paydown Yield % of 455.22% as of Jul. 17, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Navient and its competitors. This is 25% above median its historical median of 363.81. Over the past decade, Navient's Net Debt Paydown Yield % has ranged from 158.33 to 708.71. According to the industry distribution chart, Navient ranks #3 out of 473 companies in the Credit Services industry, placing it in the top 0.59999999999999%.
Is Navient's Net Debt Paydown Yield % too high?
Navient's current Net Debt Paydown Yield % of 455.22% is 25% above median its 10-year median of 363.81. Over the past 10 years, this metric has ranged from a low of 158.33 to a high of 708.71. Based on the distribution chart, Navient ranks #3 out of 473 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 Net Debt Paydown Yield % compare to OPFI and GDOT?
According to the Credit Services industry distribution chart, Navient ranks #3 out of 473 companies for Net Debt Paydown Yield %. This places Navient in the top 1% of its industry — outperforming the majority of peers. Historically, Navient's own Net Debt Paydown Yield % has ranged from 158.33 to 708.71 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 Net Debt Paydown Yield % for a Credit Services company?
A good Net Debt Paydown Yield % depends on the Credit Services industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Navient and its competitors. Navient's current Net Debt Paydown Yield % is 455.22%, which is 25% above median its own 10-year median of 363.81. 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 Net Debt Paydown Yield % of 455.22%. The stock's GF Value™ is €8.45, compared to a current price of €7.25 — trading 14.2% below its estimated fair value. The current Net Debt Paydown Yield % is 455.22%, which is 25% above median its 10-year median of 363.81. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Navient (FRA:10D), the current Net Debt Paydown Yield % is 455.22% as of Jul. 17, 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 €7.25 is trading 14.2% below its estimated GF Value™ of €8.45.
Key valuation signals for FRA:10D:
Net Debt Paydown Yield %: 455.22% (25% above median its 10-year median of 363.81)
GF Value™: €8.45 vs. price of €7.25 (14.2% below fair value)
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 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
Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:10D has been successfully added to your 
