Navient (NAVI) Stock: Buy, Sell, or Hold?
NAVI - Navient Corporation
$8.50
-0.36 (-4.06%)
▼
5d:
-8.41%
30d:
-8.6%
90d:
-1.28%
WAIT
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Nov 04, 2026
10d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: NAVI shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: NAVI shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$17.08
Based on 13.1% avg growth
INTRINSIC VALUE TODAY
$10.60
19.8% 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 $8.50, which is considered oversold relative to its 30-day fair value range of $8.93 to $9.57. The stock's valuation (Forward PE: 8.6) is in line with its historical norms (9.4). Remarkably, the market is currently pricing in an annual earnings decline of 2.8% 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 support break momentum. The price is currently testing key support at $8.34. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 4.1% recently.
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 showing support break momentum. The price is currently testing key support at $8.34. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 4.1% recently.
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
OVERSOLD
Historical Trading Range
$8.93 -
$9.57
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.6%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (35/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-4.1%)
- NEUTRAL: Near Wall St target ($9.00)
- WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$8.93 -
$9.57
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$8.34
Resistance Level
$9.73
Current Trend
Support Break
Technical data as of
Oct 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.59
Wall Street Target
$9.00
(+5.9%)
Revenue Growth (YoY)
4.2%
Earnings Growth (YoY)
100.0%
Profit Margin
-14.7%
Valuation Discount vs History
-2.8% cheaper
PE vs Historical
8.6 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.8%
(market-implied from PE analysis)
1-Year Target
$8.26
(-3%)
2-Year Target
$8.03
(-6%)
3-Year Target
$7.81
(-8%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$8.54
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 22.2%)
$35.88
(+322%)
Base:
(SPY PE: 8.6, Growth: 22.2%)
$15.52
(+83%)
Bear:
(PE: 7.3, Growth: 22.2%)
$13.19
(+55%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.6 to 9.4
Stabilization Target:
$9.30
(+9.4%)
PE Expansion Potential:
+9.4%
Share & Embed Analysis
Last updated: October 24, 2026 12:19 AM ET
Data refreshes hourly during market hours. Next update: 1:19 AM
Data refreshes hourly during market hours. Next update: 1:19 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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