Should I Buy NAVI? NAVI 2026 Analysis

Should You Buy Navient Corp (NAVI) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

9.880

1 Day change

0.71%

52 Week Range

16.070

Analysis Updated At

2026/01/26

Navient Corp (NAVI) does not present a strong buy opportunity for a beginner investor with a long-term strategy and $50,000-$100,000 available. The technical indicators are bearish, options sentiment is neutral to slightly negative, and the company's financial performance shows declining revenue despite improved net income. Analyst ratings are mixed, with no strong positive catalysts or recent news to suggest significant upside in the near term. Holding or seeking alternative investments may be more prudent.

Technical Analysis

The technical indicators for NAVI are bearish. The MACD is below zero and negatively contracting, RSI is neutral at 35.82, and moving averages show a bearish trend (SMA_200 > SMA_20 > SMA_5). The price is below the pivot level of 12.443, with support at 11.943 and resistance at 12.944.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Options data indicates a neutral to slightly negative sentiment, with a low option volume put-call ratio of 0.01 and open interest put-call ratio at 0.84. Implied volatility is low (17.38), with an IV percentile of 1.2, suggesting limited expectations of significant price movement.

Technical Summary

Sell

Buy

Positive Catalysts

NULL identified. No recent news or significant events to act as a positive catalyst. Analysts note potential upside in consumer finance in 2026, but this is a long-term projection.

Neutral/Negative Catalysts

Declining revenue (-20.60% YoY in Q3 2025), bearish technical indicators, and mixed analyst ratings. No significant insider or hedge fund activity to support a bullish sentiment.

Financial Performance

In Q3 2025, Navient's revenue dropped by -20.60% YoY to $790M. However, net income improved significantly to -$86M (up 4200.00% YoY), and EPS increased to -0.88 (up 4300.00% YoY). Gross margin also improved to 19.11, up 13.89% YoY. Despite these improvements, the overall financial performance remains weak due to declining revenue and negative net income.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analyst ratings are mixed. Barclays raised the price target to $11 (from $10) with an Underweight rating, citing potential loan growth in 2026. TD Cowen raised the price target to $46 (from $44) but maintains a Sell rating. JPMorgan lowered the price target to $12.50 (from $14) with a Neutral rating, citing a Q3 miss due to weaker credit.

7 Analyst Rating

Wall Street analysts forecast NAVI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for NAVI is 13 USD with a low forecast of 11 USD and a high forecast of 18 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

3 Hold

3 Sell

Moderate Sell

Current: 9.810

Low

Averages

High

Current: 9.810

Low

Averages

High

Barclays

Underweight

downgrade

$11 -> $9

AI Analysis

2026-01-29

New

Reason

Barclays

Price Target

$11 -> $9

AI Analysis

2026-01-29

New

downgrade

Underweight

Reason

Barclays lowered the firm's price target on Navient to $9 from $11 and keeps an Underweight rating on the shares. The firm says provisions drove another miss in for Navient in Q4 due to a reserve build for its legacy student loan book. The company's 2026 earnings guidance was lower as it includes provision headwinds from a stronger origination guide, the analyst tells investors in a research note.

BofA

Underperform

downgrade

$11 -> $10

2026-01-29

New

Reason

BofA

Price Target

$11 -> $10

2026-01-29

New

downgrade

Underperform

Reason

BofA lowered the firm's price target on Navient to $10 from $11 and keeps an Underperform rating on the shares following a Q4 report the firm views as highlighted by an EPS miss, largely driven by another provision build, and "underwhelming" 2026 EPS guidance. The firm acknowledges that the turnaround strategy is underway, but still views near-term fundamentals as challenging, the analyst tells investors.

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NAVI Should I Buy

NAVI Should I Buy

Should You Buy Navient Corp (NAVI) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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