NAVI Stock Analysis: Buy, Sell, or Hold?
NAVI - Navient Corporation
$8.24
0.21 (2.62%)
▲
5d:
-4.3%
30d:
+3.65%
90d:
-0.72%
BUY
MODERATE Confidence
Analysis Updated: Jul 10, 2026 12:00 AM ET
Earnings: Aug 06, 2026
23d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: NAVI shows positive signals but monitor for confirmation. Market pricing in 1.9% decline. Moderate conviction.
💡 BUY OPPORTUNITY: NAVI shows positive signals but monitor for confirmation. Market pricing in 1.9% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$17.03
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$10.57
22.1% 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 $8.24, which is considered fair relative to its 30-day fair value range of $7.87 to $8.47. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (9.3). Remarkably, the market is currently pricing in an annual earnings decline of 1.9% 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 (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $9.38 (+13.8%). 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 (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $9.38 (+13.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$7.87 -
$8.47
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($9.38)
Trading Range Analysis
30-Day Trading Range
$7.87 -
$8.47
Current vs Trading Range
FAIR
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.)
8.76
Wall Street Target
$9.38
(+13.8%)
Revenue Growth (YoY)
-0.8%
Earnings Growth (YoY)
-59.4%
Profit Margin
-18.5%
Valuation Discount vs History
-1.9% cheaper
PE vs Historical
8.8 vs 9.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.9%
(market-implied from PE analysis)
1-Year Target
$8.08
(-2%)
2-Year Target
$7.93
(-4%)
3-Year Target
$7.78
(-6%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$8.26
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 33.5%)
$48.69
(+491%)
Base:
(SPY PE: 8.8, Growth: 33.5%)
$19.59
(+138%)
Bear:
(PE: 7.4, Growth: 33.5%)
$16.65
(+102%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.8 to 9.3
Stabilization Target:
$8.74
(+6.1%)
PE Expansion Potential:
+6.1%
Share & Embed Analysis
Last updated: July 13, 2026 6:14 AM ET
Data refreshes hourly during market hours. Next update: 7:14 AM
Data refreshes hourly during market hours. Next update: 7:14 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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