NAVI Stock Analysis: Buy, Sell, or Hold?
NAVI - Navient Corporation
$7.87
-0.22 (-2.72%)
▼
5d:
-1.25%
30d:
-5.29%
90d:
-2.11%
BUY
HIGH Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Jul 29, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: NAVI trading at deep discount. Market pricing in -3.8% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: NAVI trading at deep discount. Market pricing in -3.8% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$17.13
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$10.63
26.0% 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 $7.87, which is considered slightly low relative to its 30-day fair value range of $7.84 to $8.38. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.3) compared to its historical average (9.3). Remarkably, the market is currently pricing in an annual earnings decline of 3.8% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NAVI is in a downtrend. Immediate support is located at $7.33, while resistance sits at $8.74.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $9.44 (+19.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NAVI is in a downtrend. Immediate support is located at $7.33, while resistance sits at $8.74.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $9.44 (+19.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$7.84 -
$8.38
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($9.44)
Trading Range Analysis
30-Day Trading Range
$7.84 -
$8.38
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$7.33
Resistance Level
$8.74
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.32
Wall Street Target
$9.44
(+19.9%)
Revenue Growth (YoY)
-0.8%
Earnings Growth (YoY)
-59.4%
Profit Margin
-18.5%
Valuation Discount vs History
-3.8% cheaper
PE vs Historical
8.3 vs 9.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.8%
(market-implied from PE analysis)
1-Year Target
$7.57
(-4%)
2-Year Target
$7.28
(-8%)
3-Year Target
$7.01
(-11%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$7.83
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 31.5%)
$46.81
(+495%)
Base:
(SPY PE: 8.3, Growth: 31.5%)
$17.89
(+127%)
Bear:
(PE: 7.1, Growth: 31.5%)
$15.20
(+93%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.3 to 9.3
Stabilization Target:
$8.80
(+11.8%)
PE Expansion Potential:
+11.8%
Share & Embed Analysis
Last updated: June 23, 2026 4:31 AM ET
Data refreshes hourly during market hours. Next update: 5:31 AM
Data refreshes hourly during market hours. Next update: 5:31 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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