NAVI Stock Analysis: Buy, Sell, or Hold?
NAVI - Navient Corporation
$9.45
0.35 (3.85%)
▲
5d:
+3.05%
30d:
+11.97%
90d:
+13.17%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 06, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: NAVI shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: NAVI shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$17.21
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$10.69
11.6% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NAVI is currently trading at $9.45, which is considered extended relative to its 30-day fair value range of $8.49 to $9.18. The stock's valuation (Forward PE: 9.9) is in line with its historical norms (9.3). At these levels, the market is pricing in 2.3% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, NAVI is showing sideways momentum. The price is approaching resistance at $9.51. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.8% recently.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NAVI is showing sideways momentum. The price is approaching resistance at $9.51. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.8% recently.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$8.49 -
$9.18
Company Quality Score
46/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
51.9%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (41/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.8%)
- NEUTRAL: Near Wall St target ($9.07)
- NEUTRAL: Market pricing in 2.3% annual earnings growth - fairly valued
- WARNING: Composite score 46/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$8.49 -
$9.18
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$8.39
Resistance Level
$9.51
Current Trend
Sideways
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.94
Wall Street Target
$9.07
(-4.0%)
Revenue Growth (YoY)
4.2%
Earnings Growth (YoY)
100.0%
Profit Margin
-14.7%
Valuation Premium vs History
+2.3% premium
PE vs Historical
9.9 vs 9.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.3%
(market-implied from PE analysis)
1-Year Target
$9.67
(+2%)
2-Year Target
$9.89
(+5%)
3-Year Target
$10.12
(+7%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$9.46
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 27.4%)
$39.44
(+317%)
Base:
(SPY PE: 9.9, Growth: 27.4%)
$19.54
(+107%)
Bear:
(PE: 8.5, Growth: 27.4%)
$16.61
(+76%)
Share & Embed Analysis
Last updated: August 23, 2026 2:59 AM ET
Data refreshes hourly during market hours. Next update: 3:59 AM
Data refreshes hourly during market hours. Next update: 3:59 AM
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Technical Signals Check
Is NAVI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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