Navient Corp

Navient Corp (NAVI) Stock Analysis

$8.420

-0.079 (-0.94%)At close

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High
8.665
Open
8.500
VWAP
8.49
Volume
1.08M
Mkt Cap
1.59B
Low
8.400
Amount
9.18M
EV/EBITDA, TTM
224.67

Navient Corporation provides technology-enabled education finance solutions. The Company's businesses include Federal Education Loans and Consumer Lending. The Company's Federal Education Loans business includes owning and managing Federal Family Education Loan Program (FFELP) Loans and is the master servicer on this portfolio. Its Consumer Lending business includes owning and managing Private Education Loans and is the master servicer for these portfolios. The Company, through its Earnest brand, also refinances and originates in-school Private Education Loans. The Company helps students and families on the planning and paying for college journey. Its digital tools empower people to find scholarships and compare financial aid offers.

AI analysis of Navient Corp (NAVI)

Sell

Navient Corp (NAVI) is not a good buy right now due to its current price of $8.50, which is below the analyst price targets of $8.50 and $7. The stock has a very low RSI of 23.3, indicating it is oversold, but the negative catalysts such as a significant year-to-date change of -33.49% and a forward P/E of 9.17 suggest ongoing challenges. The main risk is the high debt-to-equity ratio of 1848.92%, which could hinder future growth.

Analyst Ratings (9)

+54.39% upside
Hold
4 Buy
5 Hold
0 Sell
Current: 8.42
Low
11.00
Average
13.00
High
18.00

JPMorgan

2026-10-12

Price Target

$8

Neutral

Barclays

2026-10-05

Price Target

$7

Underweight

TD Cowen

2026-08-07

Price Target

$8.50

Sell

TD Cowen

2026-04-30

Price Target

$9

Sell

Barclays

2026-04-30

Price Target

$8

Underweight

Valuation Metrics

The current forward P/E ratio for Navient Corp (NAVI) is 9.40, compared to its 5-year average forward P/E of 8.83.

Forward P/E

Fair
5Y Average P/E
8.83
Current P/E
9.40
Overvalued
11.80
Undervalued
5.85

Forward EV/EBITDA

Fair
5Y Average EV/EBITDA
70.72
Current EV/EBITDA
224.67
Overvalued
283.43
Undervalued
-141.99

Forward P/S

Undervalued
5Y Average P/S
2.43
Current P/S
1.45
Overvalued
3.07
Undervalued
1.79

Alphio AI Price Scenarios for NAVI

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%NAVI

$11.54

Scenario price

B

Base

Base · 50%NAVI

$10.34

Scenario price

B

Bear

Bear · 25%NAVI

$8.86

Scenario price

Events Timeline

2026-10-21 (ET)

17:00:00

Navient Announces New Holding Company Structure

2026-09-25 (ET)

08:30:00

Navient Appoints Diane Offereins to Board of Directors

2026-08-06 (ET)

17:30:00

Navient Reports Q2 Loan Loss Provision of $18M

2026-04-29 (ET)

08:20:00

Navient Says 'On Track' with Year Outlook

News

NAVI FAQ — answered by Alphio AI

Navient Corporation provides technology-enabled education finance solutions. The Company's businesses include Federal Education Loans and Consumer Lending. The Company's Federal Education Loans business includes owning and managing Federal Family Education Loan Program (FFELP) Loans and is the master servicer on this portfolio. Its Consumer Lending business includes owning and managing Private Education Loans and is the master servicer for these portfolios. The Company, through its Earnest brand, also refinances and originates in-school Private Education Loans. The Company helps students and families on the planning and paying for college journey. Its digital tools empower people to find scholarships and compare financial aid offers. It operates in the Financials sector (SECURITY BROKERS, DEALERS & FLOTATION COMPANIES industry).

Navient Corp (NAVI) is not a good buy right now due to its current price of $8.50, which is below the analyst price targets of $8.50 and $7. The stock has a very low RSI of 23.3, indicating it is oversold, but the negative catalysts such as a significant year-to-date change of -33.49% and a forward P/E of 9.17 suggest ongoing challenges. The main risk is the high debt-to-equity ratio of 1848.92%, which could hinder future growth.

9 analysts cover NAVI: 4 rate it Buy, 5 Hold and 0 Sell. The average price target is 13.00.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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