NAVI Stock Analysis: Buy, Sell, or Hold?
NAVI - Navient Corporation
$8.10
0.03 (0.37%)
ā²
5d:
-1.7%
30d:
-7.85%
90d:
-37.4%
BUY
MODERATE Confidence
Analysis Updated: Mar 27, 2026 12:00 AM ET
Earnings: Apr 29, 2026
29d
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Interactive Price Chart (1 Month)
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Bottom Line:
š” BUY OPPORTUNITY: NAVI shows positive signals but monitor for confirmation. Market pricing in 5.3% decline. Moderate conviction.
š” BUY OPPORTUNITY: NAVI shows positive signals but monitor for confirmation. Market pricing in 5.3% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$18.53
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$11.50
29.6% 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 9.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: NAVI is currently trading at $8.10, which is considered slightly low relative to its 30-day fair value range of $8.04 to $8.85. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.2) compared to its historical average (9.7). Remarkably, the market is currently pricing in an annual earnings decline of 5.3% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, NAVI is in a strong downtrend. The price is currently testing key support at $7.93. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Implied Volatility is high (72th percentile), indicating expensive options premiums. This environment often favors selling options or covered calls to generate income. Wall Street analysts see significant upside, with an average price target of $10.33 (+28.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, NAVI is in a strong downtrend. The price is currently testing key support at $7.93. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Implied Volatility is high (72th percentile), indicating expensive options premiums. This environment often favors selling options or covered calls to generate income. Wall Street analysts see significant upside, with an average price target of $10.33 (+28.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$8.04 -
$8.85
Company Quality Score
57/100
(HOLD)
Options IV Signal
72th percentile
(EVENT RISK)
Volume Confirmation
HIGH
Confidence Score
64.2%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Options expensive (IV 72th percentile)
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 28.0% below Wall St target ($10.33)
Fair Price Analysis
30-Day Fair Range
$8.04 -
$8.85
Current vs Fair Value
SLIGHTLY LOW
Expected Move (7 Days)
Ā±$0.86
(10.6%)
Support & Resistance Levels
Support Level
$7.94
Resistance Level
$8.40
Current Trend
Strong Downtrend
Technical data as of
Mar 27, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.23
Wall Street Target
$10.33
(+28.0%)
Revenue Growth (YoY)
-54.9%
Earnings Growth (YoY)
-59.4%
Profit Margin
-24.2%
Valuation Discount vs History
-5.3% cheaper
PE vs Historical
8.2 vs 9.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.3%
(market-implied from PE analysis)
1-Year Target
$7.64
(-5%)
2-Year Target
$7.24
(-10%)
3-Year Target
$6.85
(-15%)
3-Yr Target (if PE normalizes)
(PE: 8ā10)
$8.08
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 39.9%)
$60.17
(+646%)
Base:
(SPY PE: 8.2, Growth: 39.9%)
$22.10
(+174%)
Bear:
(PE: 7.0, Growth: 39.9%)
$18.79
(+133%)
š”
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.2 to 9.7
Stabilization Target:
$9.51
(+17.9%)
PE Expansion Potential:
+17.9%
Share & Embed Analysis
Last updated: March 30, 2026 10:27 AM ET
Data refreshes hourly during market hours. Next update: 11:27 AM
Data refreshes hourly during market hours. Next update: 11:27 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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