NAVI Stock Analysis: Buy, Sell, or Hold?
NAVI - Navient Corporation
$9.81
-0.07 (-0.71%)
▼
WAIT
LOW Confidence
Last Updated: January 30, 2026
Earnings: Apr 28, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR STABILIZATION: NAVI is down 18.8% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: NAVI is down 18.8% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$27.92
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$17.34
43.4% 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 10.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NAVI is currently trading at $9.81, which is considered oversold relative to its 30-day fair value range of $11.36 to $13.25. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.2) compared to its historical average (10.5). Remarkably, the market is currently pricing in an annual earnings decline of 11.7% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NAVI is in a downtrend. Immediate support is located at $9.35, while resistance sits at $12.94.
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 $12.94 (+31.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, NAVI is in a downtrend. Immediate support is located at $9.35, while resistance sits at $12.94.
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 $12.94 (+31.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$11.36 -
$13.25
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
Protect Your Profits
Holding NAVI? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 31.0% below Wall St target ($12.94)
- WARNING: Recommendation downgraded due to -18.8% 5-day decline - wait for stabilization
Fair Price Analysis
30-Day Fair Range
$11.36 -
$13.25
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$9.35
Resistance Level
$12.94
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
7.23
Wall Street Target
$12.94
(+31.0%)
Revenue Growth (YoY)
-54.9%
Earnings Growth (YoY)
-59.4%
Profit Margin
-24.2%
Valuation Discount vs History
-11.7% cheaper
PE vs Historical
7.2 vs 10.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-11.7%
(market-implied from PE analysis)
1-Year Target
$8.89
(-10%)
2-Year Target
$8.00
(-19%)
3-Year Target
$7.20
(-27%)
3-Yr Target (if PE normalizes)
(PE: 7→11)
$10.45
(+6%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 40.8%)
$84.97
(+760%)
Base:
(SPY PE: 7.2, Growth: 40.8%)
$27.57
(+179%)
Bear:
(PE: 6.1, Growth: 40.8%)
$23.43
(+137%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.2 to 10.5
Stabilization Target:
$14.34
(+45.1%)
PE Expansion Potential:
+45.1%
Last updated: January 31, 2026 6:00 AM ET
Data refreshes hourly during market hours. Next update: 7:00 AM
Data refreshes hourly during market hours. Next update: 7:00 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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Advanced NAVI Option Strategies
Professional options setups generated by AI based on today's NAVI price and gamma walls.
