Navient (NAVI) Stock: Buy, Sell, or Hold?
NAVI - Navient Corporation
$9.19
0.08 (0.88%)
▲
5d:
+0.77%
30d:
-3.87%
90d:
+9.54%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Nov 04, 2026
30d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NAVI is fairly valued with market pricing in 0.5% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: NAVI is fairly valued with market pricing in 0.5% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$17.69
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$10.98
16.3% 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 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NAVI is currently trading at $9.19, which is considered slightly low relative to its 30-day fair value range of $9.14 to $9.66. The stock's valuation (Forward PE: 9.5) is in line with its historical norms (9.4). At these levels, the market is pricing in 0.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, NAVI is in a strong uptrend. Immediate support is located at $8.75, while resistance sits at $9.73.
Market Sentiment: NAVI scores 65/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. 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 in a strong uptrend. Immediate support is located at $8.75, while resistance sits at $9.73.
Market Sentiment: NAVI scores 65/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. 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
SLIGHTLY LOW
Historical Trading Range
$9.14 -
$9.66
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
86.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (65/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($9.07)
- NEUTRAL: Market pricing in 0.5% annual earnings growth - fairly valued
- CAUTION: Bottoming setup, but lagging the sector by 17% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$9.14 -
$9.66
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$8.75
Resistance Level
$9.74
Current Trend
Strong Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.51
Wall Street Target
$9.07
(-1.3%)
Revenue Growth (YoY)
4.2%
Earnings Growth (YoY)
100.0%
Profit Margin
-14.7%
Valuation Premium vs History
+0.5% premium
PE vs Historical
9.5 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.5%
(market-implied from PE analysis)
1-Year Target
$9.24
(+1%)
2-Year Target
$9.28
(+1%)
3-Year Target
$9.33
(+2%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$9.22
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 26.4%)
$39.76
(+333%)
Base:
(SPY PE: 9.5, Growth: 26.4%)
$18.54
(+102%)
Bear:
(PE: 8.1, Growth: 26.4%)
$15.76
(+72%)
Share & Embed Analysis
Last updated: October 03, 2026 9:07 PM ET
Data refreshes hourly during market hours. Next update: 10:07 PM
Data refreshes hourly during market hours. Next update: 10:07 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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