Navient (NAVI) Stock: Buy, Sell, or Hold?
NAVI - Navient Corporation
$9.42
0.27 (2.95%)
â˛
5d:
-0.63%
30d:
+6.56%
90d:
+19.39%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Nov 04, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: NAVI is fairly priced but lacks strong directional signals. At 1.5% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: NAVI is fairly priced but lacks strong directional signals. At 1.5% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$17.50
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$10.87
13.3% 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 9.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NAVI is currently trading at $9.42, which is considered slightly high relative to its 30-day fair value range of $8.87 to $9.53. The stock's valuation (Forward PE: 9.8) is in line with its historical norms (9.3). At these levels, the market is pricing in 1.5% 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 uptrend. Immediate support is located at $9.11, while resistance sits at $9.85.
Market Sentiment: NAVI scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NAVI is in a uptrend. Immediate support is located at $9.11, while resistance sits at $9.85.
Market Sentiment: NAVI scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$8.87 -
$9.53
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
39.0%
All Signals
- BEARISH: Weak technical setup (35/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($9.07)
- NEUTRAL: Market pricing in 1.5% annual earnings growth - fairly valued
- WARNING: Composite score 45/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$8.87 -
$9.53
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$9.11
Resistance Level
$9.85
Current Trend
Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.75
Wall Street Target
$9.07
(-3.7%)
Revenue Growth (YoY)
4.2%
Earnings Growth (YoY)
100.0%
Profit Margin
-14.7%
Valuation Premium vs History
+1.5% premium
PE vs Historical
9.8 vs 9.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.5%
(market-implied from PE analysis)
1-Year Target
$9.56
(+2%)
2-Year Target
$9.70
(+3%)
3-Year Target
$9.85
(+5%)
3-Yr Target (if PE normalizes)
(PE: 10â9)
PE COMPRESSION
$9.40
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 26.4%)
$39.31
(+317%)
Base:
(SPY PE: 9.7, Growth: 26.4%)
$19.00
(+102%)
Bear:
(PE: 8.3, Growth: 26.4%)
$16.15
(+72%)
Share & Embed Analysis
Last updated: September 12, 2026 10:10 PM ET
Data refreshes hourly during market hours. Next update: 11:10 PM
Data refreshes hourly during market hours. Next update: 11:10 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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