NAVI
Navient Corporation Financial Services - Credit Services Investor Relations →
Navient Corporation (NAVI) closed at $8.09 as of 2026-06-19, trading 38.1% below its 200-week moving average of $13.07. This places NAVI in the extreme value zone. The stock moved further from the line this week, up from -39.2% last week. The 14-week RSI sits at 51, indicating neutral momentum.
Trading volume is running at 1.6x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.94 ratio) is neutral — neither side is clearly dominating.
Over the past 587 weeks of data, NAVI has crossed below its 200-week moving average 14 times. On average, these episodes lasted 22 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 $760 million, NAVI is a small-cap stock. Return on equity stands at -2.5%. The stock trades at 0.3x book value.
The company has been aggressively buying back shares, reducing its share count by 26.4% over the past three years.
Over the past 11.3 years, a hypothetical investment of $100 in NAVI would have grown to $68, compared to $438 for the S&P 500. NAVI has returned -3.3% annualized vs 13.9% for the index, underperforming the broader market over this period.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
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 +5.2% vs +28.7% 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.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices NAVI would reach each dislocation threshold.
Dislocation Price Levels
Prices where NAVI's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-07-29.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $5.03 | Unusually cheap — potential buy zone |
| Value | +1σ | $5.82 | Cheap vs. own history |
| Fair Value | +0σ | $6.91 | Historical mean behavior |
| Expensive | -1σ | $8.49 | Expensive vs. own history |
| Deep Expensive | -2σ | $11.01 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from NAVI's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
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% | -25.4% |
| Mar 2017 | Apr 2017 | 6 | 4.9% | +0.1% | -12.9% |
| May 2017 | Jun 2017 | 4 | 5.2% | +0.9% | -9.6% |
| Jul 2017 | Sep 2017 | 7 | 6.8% | -2.9% | -12.3% |
| Oct 2017 | Jan 2018 | 16 | 19.2% | +11.2% | -1.9% |
| Feb 2018 | May 2018 | 14 | 9.2% | -12.1% | -9.3% |
| Jun 2018 | Sep 2018 | 13 | 4.7% | +7.1% | -9.1% |
| Oct 2018 | Apr 2019 | 28 | 33.3% | +1.5% | -4.4% |
| Sep 2019 | Oct 2019 | 3 | 3.9% | -20.7% | -3.9% |
| Feb 2020 | Jan 2021 | 45 | 50.9% | +18.1% | -1.6% |
| May 2024 | Jul 2024 | 8 | 5.6% | -8.5% | -39.7% |
| Jul 2024 | Aug 2024 | 3 | 4.8% | -13.7% | -41.2% |
| Sep 2024 | Sep 2024 | 1 | 0.5% | -12.9% | -42.1% |
| Oct 2024 | Ongoing | 87+ | 41.7% | Ongoing | -40.9% |
| Average | 22 | — | +-5.0% | — |
Frequently Asked Questions
Is NAVI below its 200-week moving average?
Yes. As of 2026-06-19, Navient Corporation (NAVI) is trading 38.1% below its 200-week moving average of $13.07. The current price is $8.09.
What is NAVI's 200-week moving average price?
Navient Corporation's 200-week moving average is $13.07 as of 2026-06-19. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when NAVI drops below its 200-week moving average?
NAVI has crossed below its 200-week moving average 14 times in our data. The average one-year return after these crossings was -5.0%, meaning the dips were not reliable buying signals for this particular stock. These episodes lasted 22 weeks on average.
Is NAVI a good value right now?
Here's what our data says about NAVI as of 2026-06-19: The stock is below its 200-week moving average, which is the starting point for our analysis. The 14-week RSI is 51. Return on equity is -2.5%. Price-to-book is 0.3x. This is not a buy or sell recommendation — always do your own research.
How does NAVI compare to the S&P 500?
Over the past 11.3 years, $100 invested in NAVI would have grown to $68, compared to $438 for the S&P 500. That's -3.3% annualized vs 13.9% for the index. NAVI has underperformed the broader market over this period.
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 week of 2026-06-19