Navient Corporation (NAVI) P/E Ratio History
Historical price-to-earnings valuation from 2014 to 2025
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NAVI Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, Navient Corporation (NAVI) trades at a price-to-earnings ratio of -10.9x, with a stock price of $8.79 and trailing twelve-month earnings per share of $-0.63.
The current P/E is 212% below its 5-year average of 9.7x. Over the past five years, NAVI's P/E has ranged from a low of 3.0x to a high of 43.8x, placing the current valuation at the 0th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.1x, NAVI trades at a 183% discount to its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, NAVI trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our NAVI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
NAVI P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $4B | 6.5Lowest | 0.73 | +29% | |
| $2B | 7.5 | 0.73 | +287%Best | |
| $1B | 24.9 | - | -4% | |
| $5B | 9.5 | - | +59% | |
| $7B | 8.5 | 2.16 | +55% | |
| $2B | 14.2 | 2.09 | +11% | |
| $2B | 14.6 | 1.94 | +16% | |
| $5B | 17.0 | - | -2% | |
| $288B | 22.8 | 1.63 | +77% | |
| $26B | 8.0 | 0.24Best | +9% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
NAVI Historical P/E Data (2014–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $14.10 | $0.32 | 43.8x | +419% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $12.63 | $0.50 | 25.2x | +198% |
| FY2024 Q4 | $13.29 | $1.16 | 11.4x | +36% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $15.59 | $0.69 | 22.5x | +167% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $14.56 | $1.36 | 10.7x | +27% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $17.40 | $1.57 | 11.1x | +31% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $18.62 | $1.78 | 10.5x | +24% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $17.22 | $2.81 | 6.1x | -27% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $18.58 | $2.90 | 6.4x | -24% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $15.99 | $3.59 | 4.5x | -47% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $16.45 | $4.41 | 3.7x | -56% |
| FY2022 Q3 | Fri Sep 30 2022 00:00:00 GM | $14.69 | $3.56 | 4.1x | -51% |
Average P/E for displayed period: 8.4x
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Start ComparisonNAVI — Frequently Asked Questions
Quick answers to the most common questions about buying NAVI stock.
Is NAVI stock overvalued or undervalued?
NAVI trades at -10.9x P/E, below its 5-year average of 9.7x. At the N/A percentile of historical range, the stock is priced at a discount to its own history.
How does NAVI's valuation compare to peers?
Navient Corporation P/E of -10.9x compares to sector median of 13.1x. The discount suggests lower growth expectations or higher risk.
What is NAVI's PEG ratio?
NAVI PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2014-2025.