NAVI Stock Analysis: Buy, Sell, or Hold?
NAVI - Navient Corporation
$8.13
0.24 (3.04%)
▲
5d:
-7.51%
30d:
-3.67%
90d:
-13.42%
HOLD
LOW Confidence
Analysis Updated: May 14, 2026 12:00 AM ET
Earnings: Apr 29, 2026
0d
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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
$17.50
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$10.86
25.2% 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 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NAVI is currently trading at $8.13, which is considered oversold relative to its 30-day fair value range of $8.25 to $9.05. The stock's valuation (Forward PE: 8.6) is in line with its historical norms (9.5). Remarkably, the market is currently pricing in an annual earnings decline of 3.3% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NAVI is in a strong downtrend. Immediate support is located at $7.88, while resistance sits at $9.34. The stock is showing strong short-term momentum, up 3.0% recently.
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 $9.44 (+16.1%). 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 strong downtrend. Immediate support is located at $7.88, while resistance sits at $9.34. The stock is showing strong short-term momentum, up 3.0% recently.
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 $9.44 (+16.1%). 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
OVERSOLD
Historical Trading Range
$8.25 -
$9.05
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.9%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.0%)
- BULLISH: Trading below Wall St target ($9.44)
- CAUTION: Recommendation downgraded due to -7.5% 5-day decline
Trading Range Analysis
30-Day Trading Range
$8.25 -
$9.05
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$7.88
Resistance Level
$9.34
Current Trend
Strong Downtrend
Technical data as of
May 14, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.60
Wall Street Target
$9.44
(+16.1%)
Revenue Growth (YoY)
-0.8%
Earnings Growth (YoY)
-59.4%
Profit Margin
-18.5%
Valuation Discount vs History
-3.3% cheaper
PE vs Historical
8.6 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.3%
(market-implied from PE analysis)
1-Year Target
$7.86
(-3%)
2-Year Target
$7.60
(-7%)
3-Year Target
$7.35
(-10%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$8.12
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.0, Growth: 31.7%)
$47.61
(+486%)
Base:
(SPY PE: 8.6, Growth: 31.7%)
$18.57
(+128%)
Bear:
(PE: 7.3, Growth: 31.7%)
$15.78
(+94%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.6 to 9.5
Stabilization Target:
$8.98
(+10.5%)
PE Expansion Potential:
+10.5%
Share & Embed Analysis
Last updated: May 14, 2026 10:17 PM ET
Data refreshes hourly during market hours. Next update: 11:17 PM
Data refreshes hourly during market hours. Next update: 11:17 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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