NAVI Should I Buy
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Navient Corp is not a good buy for a beginner investor with a long-term strategy, given its weak financial performance, bearish technical indicators, negative analyst sentiment, and lack of positive catalysts. The stock is currently in a downtrend with no strong recovery signals.
The technical indicators for NAVI are bearish. The MACD is negatively expanding, RSI indicates the stock is oversold at 11.285, and moving averages are bearish (SMA_200 > SMA_20 > SMA_5). The stock is trading below key support levels, with a pivot at 9.876 and current price at 9.39.
NULL identified. There are no recent positive news or events driving optimism for the stock.
Negative financial performance in Q4 2025, including a revenue drop of -21.47% YoY, net income decline of -120.83% YoY, and EPS drop of -122.73% YoY. Analysts have lowered price targets and ratings, citing weak guidance and credit deterioration. Additionally, the CFPB reported a rise in student loan complaints, which could reflect poorly on Navient's operations.
Navient's Q4 2025 financials were weak, with revenue dropping to $761 million (-21.47% YoY), net income at -$5 million (-120.83% YoY), and EPS at -0.05 (-122.73% YoY). Gross margin also fell to 17.48%, down -30.30% YoY.
Analysts have a negative outlook on Navient. Deutsche Bank, TD Cowen, Barclays, and BofA have all lowered price targets to $9-$10 and maintain Hold, Sell, or Underperform ratings. Analysts cite weak guidance, credit deterioration, and provision headwinds as key concerns.
