NAVI
Navient Corporation
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Navient (NAVI) Stock: Buy, Sell, or Hold?
$6.14
+0.22 (+3.72%)
▲
5d:
-30.39%
30d:
-33.69%
90d:
-33.04%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (84%)
Quality Score
48/100
Position
OVERSOLD
30-Day Fair Range
$7.73 – $9.53
Position: OVERSOLD
Forward P/E & Valuation
7.4x
CHEAP
vs 9.3x historical avg
Wall Street Target
$9.00
+46.6% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$5.81 / $9.45
Trend: Sideways
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
⏸️ WAIT FOR STABILIZATION: NAVI is down 30.4% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$14.96
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$9.29
33.9% 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 $6.14, which is considered oversold relative to its 30-day fair value range of $7.73 to $9.53. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.4) compared to its historical average (9.3). Remarkably, the market is currently pricing in an annual earnings decline of 7.3% over the next few years. This pessimistic expectation contrasts with the company's recent 100% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, NAVI is showing sideways momentum. Immediate support is located at $5.81, while resistance sits at $9.45. The stock is showing strong short-term momentum, up 3.7% recently.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $9.00 (+46.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NAVI is showing sideways momentum. Immediate support is located at $5.81, while resistance sits at $9.45. The stock is showing strong short-term momentum, up 3.7% recently.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $9.00 (+46.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$7.73 -
$9.53
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
84.3%
Trading Range & Key Levels
30-Day Trading Range
$7.73 -
$9.53
Current vs Trading Range
OVERSOLD
Support Level
$5.81
Resistance Level
$9.45
Current Trend
Sideways
Technical data as of
Nov 12, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (43/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.7%)
- BULLISH: Trading 46.6% below Wall St target ($9.00)
- WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
7.43
Wall Street Target
$9.00
(+46.6%)
Revenue Growth (YoY)
4.2%
Earnings Growth (YoY)
100.0%
Profit Margin
11.9%
Valuation Discount vs History
-7.3% cheaper
PE vs Historical
7.4 vs 9.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.3%
(market-implied from PE analysis)
1-Year Target
$5.69
(-7%)
2-Year Target
$5.28
(-14%)
3-Year Target
$4.89
(-20%)
3-Yr Target (if PE normalizes)
(PE: 7→9)
$6.12
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 35.8%)
$41.13
(+570%)
Base:
(SPY PE: 7.4, Growth: 35.8%)
$15.39
(+151%)
Bear:
(PE: 6.3, Growth: 35.8%)
$13.08
(+113%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.4 to 9.3
Stabilization Target:
$7.68
(+25.1%)
PE Expansion Potential:
+25.1%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (NAVI)
Bearish
1 Retail Mentions
Reddit / WSB Comments
1
Bearish
Last Tracked
Jan 27, 2022
Daily AI digest
AI Retail Discussion Summary:
Reddit & WallStreetBets discussions on NAVI are bearish (sentiment score +0.00) across 1 tracked comments.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 13, 2026 3:34 AM ET
Data refreshes hourly during market hours. Next update: 4:34 AM
Data refreshes hourly during market hours. Next update: 4:34 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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