NAVI Stock Analysis: Buy, Sell, or Hold?
NAVI - Navient Corporation
$8.85
0.46 (5.48%)
▲
5d:
+2.79%
30d:
+2.79%
90d:
-3.49%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Aug 06, 2026
2d
Get Alerted When NAVI Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: NAVI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: NAVI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
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
16.7% 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 $8.85, which is considered extended relative to its 30-day fair value range of $8.31 to $8.70. 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 approaching resistance at $8.88. 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 5.5% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, NAVI is showing sideways momentum. The price is approaching resistance at $8.88. 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 5.5% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$8.31 -
$8.70
Company Quality Score
47/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
51.0%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.5%)
- NEUTRAL: Near Wall St target ($9.06)
Trading Range Analysis
30-Day Trading Range
$8.31 -
$8.70
Current vs Trading Range
EXTENDED
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 03, 2026 1:02 PM ET
Data refreshes hourly during market hours. Next update: 2:02 PM
Data refreshes hourly during market hours. Next update: 2:02 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is NAVI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$413 | 52 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$660 | 60 HOLD |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$257 | 55 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$91 | 58 HOLD |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$58 | 49 HOLD |
