Navient

NAVI · NASDAQ

$8.98−$0.11 (−1.21%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $9.09

NAVI analyst rating

SellConsensus of 5 analysts over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold3
Underperform1
Sell1

12-month price target · 10 analysts

Average $10.13 (+12.8% upside)

Low: $8.08
Now: $8.98
High: $14.70

Upgrades and downgrades

The latest rating actions, newest first

NAVI analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
JP Morgan	Oct 12, 2026	Maintains	Neutral	$8.00 → $8.50	56%
Barclays	Oct 5, 2026	Maintains	Underweight	$8.00 → $7.00	30%
JP Morgan	Jul 13, 2026	Maintains	Neutral	$9.50 → $8.00	56%
TD Cowen	Jul 7, 2026	Maintains	Sell	$9.00 → $8.50	51%
TD Cowen	Apr 30, 2026	Maintains	Sell	$8.00 → $9.00	51%
Barclays	Apr 30, 2026	Maintains	Underweight	$7.00 → $8.00	30%
Morgan Stanley	Apr 16, 2026	Maintains	Equal-Weight	$12.00 → $9.00	100%
JP Morgan	Apr 9, 2026	Maintains	Neutral	$10.50 → $8.50	56%
Barclays	Apr 6, 2026	Maintains	Underweight	$9.00 → $7.00	30%
Deutsche Bank	Jan 29, 2026	Maintains	Hold	$15.00 → $9.00	58%

The case for and against

Updated Jan 19, 2026

Bull case

Navient Corp's position in the asset-backed securities (ABS) market is strengthening, allowing the company to continually shift its portfolio towards higher-quality graduate loans, which is expected to enhance overall financial performance. The management has indicated significant opportunities for loan origination growth in the graduate market, highlighting a strategic focus on this segment. Additionally, the robust investor demand during the company's annual ABS sale in June, driven by a strong 45% graduate loan mix, suggests a favorable market perception and potential for improved revenue generation.

Bear case

Navient Corp has reported disappointing financial results characterized by weaker credit trends attributed to disaster forbearance and rising delinquency rates, signaling concerns about credit quality. The company's consumer net interest margin (NIM) has significantly decreased by 44 basis points to 2.32%, while the net charge-offs (NCOs) increased by 19 basis points to 2.06%, indicating deteriorating loan performance. As a result, revenue estimates for earnings per share for 2025 and 2026 have been revised downward, reflecting a shift in outlook due to these financial challenges and increased origination volumes.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.