NAVI Stock Analysis: Buy, Sell, or Hold?
NAVI - Navient Corporation
$8.61
-0.12 (-1.37%)
▼
5d:
+1.77%
30d:
+6.17%
90d:
+3.86%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 29, 2026
24d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: NAVI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: NAVI shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
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
19.0% 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 $8.61, which is considered extended relative to its 30-day fair value range of $7.84 to $8.51. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (9.3). Remarkably, the market is currently pricing in an annual earnings decline of 0.8% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NAVI is in a downtrend. The price is approaching resistance at $8.74. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NAVI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. 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 downtrend. The price is approaching resistance at $8.74. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: NAVI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. 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
EXTENDED
Historical Trading Range
$7.84 -
$8.51
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($9.44)
Trading Range Analysis
30-Day Trading Range
$7.84 -
$8.51
Current vs Trading Range
EXTENDED
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.)
9.10
Wall Street Target
$9.44
(+9.6%)
Revenue Growth (YoY)
-0.8%
Earnings Growth (YoY)
-59.4%
Profit Margin
-18.5%
Valuation Discount vs History
-0.8% cheaper
PE vs Historical
9.1 vs 9.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.8%
(market-implied from PE analysis)
1-Year Target
$8.54
(-1%)
2-Year Target
$8.47
(-2%)
3-Year Target
$8.41
(-2%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$8.59
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 32.4%)
$47.80
(+455%)
Base:
(SPY PE: 9.1, Growth: 32.4%)
$19.98
(+132%)
Bear:
(PE: 7.7, Growth: 32.4%)
$16.98
(+97%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.1 to 9.3
Stabilization Target:
$8.80
(+2.1%)
PE Expansion Potential:
+2.1%
Share & Embed Analysis
Last updated: July 04, 2026 7:32 AM ET
Data refreshes hourly during market hours. Next update: 8:32 AM
Data refreshes hourly during market hours. Next update: 8:32 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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