NAVI Stock Analysis: Buy, Sell, or Hold?
NAVI - Navient Corporation
$8.39
-0.06 (-0.71%)
▼
5d:
+1.94%
30d:
-3.89%
90d:
-9.2%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Aug 06, 2026
2d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: NAVI shows positive signals but monitor for confirmation. Market pricing in 1.4% decline. Moderate conviction.
💡 BUY OPPORTUNITY: NAVI shows positive signals but monitor for confirmation. Market pricing in 1.4% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$17.11
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$10.63
21.0% 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 $8.39, which is considered slightly low relative to its 30-day fair value range of $8.30 to $8.68. The stock's valuation (Forward PE: 8.9) is in line with its historical norms (9.3). Remarkably, the market is currently pricing in an annual earnings decline of 1.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NAVI is showing sideways momentum. The price is currently testing key support at $8.18. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NAVI is showing sideways momentum. The price is currently testing key support at $8.18. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$8.30 -
$8.68
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($9.06)
Trading Range Analysis
30-Day Trading Range
$8.30 -
$8.68
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$8.18
Resistance Level
$8.88
Current Trend
Sideways
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.88
Wall Street Target
$9.06
(+8.0%)
Revenue Growth (YoY)
-0.8%
Earnings Growth (YoY)
-59.4%
Profit Margin
-18.5%
Valuation Discount vs History
-1.4% cheaper
PE vs Historical
8.9 vs 9.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.4%
(market-implied from PE analysis)
1-Year Target
$8.27
(-1%)
2-Year Target
$8.16
(-3%)
3-Year Target
$8.04
(-4%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$8.42
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 32.2%)
$45.21
(+439%)
Base:
(SPY PE: 8.9, Growth: 32.2%)
$19.36
(+131%)
Bear:
(PE: 7.5, Growth: 32.2%)
$16.46
(+96%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.9 to 9.3
Stabilization Target:
$8.79
(+4.7%)
PE Expansion Potential:
+4.7%
Share & Embed Analysis
Last updated: August 02, 2026 10:59 PM ET
Data refreshes hourly during market hours. Next update: 11:59 PM
Data refreshes hourly during market hours. Next update: 11:59 PM
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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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