NAVI
Navient Corporation Financial Services - Credit Services Investor Relations →
Navient Corporation (NAVI) closed at $10.05 as of 2026-02-02, trading 28.5% below its 200-week moving average of $14.05. This places NAVI in the extreme value zone. The stock moved further from the line this week, up from -30.3% last week. The 14-week RSI sits at 34, indicating neutral momentum.
Over the past 568 weeks of data, NAVI has crossed below its 200-week moving average 14 times. On average, these episodes lasted 21 weeks. The average one-year return after crossing below was -5.0%, suggesting these dips have not historically been reliable buying opportunities for this stock.
With a market cap of $980 million, NAVI is a small-cap stock. Return on equity stands at -3.2%. The stock trades at 0.4x book value.
The company has been aggressively buying back shares, reducing its share count by 33.1% over the past three years.
Over the past 11 years, a hypothetical investment of $100 in NAVI would have grown to $81, compared to $403 for the S&P 500. NAVI has returned -1.9% annualized vs 13.5% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -13.2% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Growth of $100: NAVI vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After NAVI Crosses Below the Line?
Across 14 historical episodes, buying NAVI when it crossed below its 200-week moving average produced an average return of -3.2% after 12 months (median -3.0%), compared to +14.1% for the S&P 500 over the same periods. 36% of those episodes were profitable after one year. After 24 months, the average return was +9.4% vs +26.9% for the index.
Each line shows $100 invested at the moment NAVI crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
NAVI has crossed below its 200-week MA 14 times with an average 1-year return of +-5.0% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jun 2015 | Nov 2016 | 72 | 45.4% | -33.3% | -10.9% |
| Mar 2017 | Apr 2017 | 6 | 4.9% | +0.1% | +4.0% |
| May 2017 | Jun 2017 | 4 | 5.2% | +0.9% | +7.9% |
| Jul 2017 | Sep 2017 | 7 | 6.8% | -2.9% | +4.7% |
| Oct 2017 | Jan 2018 | 16 | 19.2% | +11.2% | +17.2% |
| Feb 2018 | May 2018 | 14 | 9.2% | -12.1% | +8.3% |
| Jun 2018 | Sep 2018 | 13 | 4.7% | +7.1% | +8.6% |
| Oct 2018 | Apr 2019 | 28 | 33.3% | +1.5% | +14.1% |
| Sep 2019 | Oct 2019 | 3 | 3.9% | -20.7% | +14.7% |
| Feb 2020 | Jan 2021 | 45 | 50.9% | +18.1% | +17.5% |
| May 2024 | Jul 2024 | 8 | 5.6% | -8.5% | -28.0% |
| Jul 2024 | Aug 2024 | 3 | 4.8% | -13.7% | -29.8% |
| Sep 2024 | Sep 2024 | 1 | 0.5% | -12.9% | -30.9% |
| Oct 2024 | Ongoing | 68+ | 30.3% | Ongoing | -29.5% |
| Average | 21 | — | +-5.0% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02