Navan Inc is engaged in providing an end-to-end, AI-powered software platform for managing business travel and expense (T&E).
It is a $6.12B technology company. Revenue grew 34.8% over the last year, and it currently loses money.
- Website
- navan.com
- Location
- Palo Alto, CA
- Employees
- 3 700
- Sector
- Technology
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Valuation, Growth, Profitability, Health and Moat lag behind.
Valuation37
- P/E vs own historyn/a · 10/25
- FCF yield0.7% · 5/25
- P/S7.5x · 12/25
- EV/EBITDAn/a · 10/25
Growth25
- Revenue CAGR32.1% · 25/25
- Net income CAGRn/a · 0/25
- EPS CAGR ~5Yn/a · 0/25
- Fwd implied growthn/a · 0/25
Profitability0
- ROICn/a · 0/25
- ROE-27.9% · 0/25
- Net margin-42.1% · 0/25
- Operating margin-37.5% · 0/25
Health25
- Altman Zn/a · 0/25
- Current ratio4.38 · 25/25
- Interest coverage-6.7x · 0/25
- Net cash / debtn/a · 0/25
Quality52
- Piotroski F5/9 · 15/25
- Beneish M-6.54 · 25/25
- FCF conversionn/a · 0/25
- Margin stabilityσ 14.3% · 12/25
Moat25
- ROIC >12% yearsn/a · 0/25
- Median gross margin68.4% · 25/25
- FCF-positive years1/3 yrs · 0/25
- Worst-year net marginworst -82.4% · 0/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- Sep 9, 2026EarningsBeat EPS estimate by 20%reported $0.05 vs $0.04 expected
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- High gross margin (72.5%)
- Revenue growing 34.8% year over year
Watch-outs
- Not profitable — 42.1% net margin
- Thin interest coverage (-6.7×)
- Loss-making in 3 of the recent years
- Short reporting history — trends are less reliable
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+34.8% YoY
- Profitable — makes more than it spends-$348M TTM
- Profit growing — earnings are higher than last year-119.8% YoY
- Generates cash — cash left after running and investing$45.5M TTM
- Debt under control — could handle its obligationscurrent ratio 4.38
- Established company — not a micro-cap — lower blow-up risk$6.12B market cap
- Not printing shares — share count not ballooning — you keep your slice+9.7% shares over ~5y
- Proven track record — years of profitability behind it0/3 profitable years
- Financially stable — balance sheet not near distresshealth score 25/100
- Pays a dividend — returns cash to shareholdersno data
- Valuation not extreme — price not wildly above earningsno data
Peer comparisonNavan, Inc. vs 6 largest technology peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| NAVN this company | $6.1B | — | +34.8% | -42.1% | Strained |
| NVDA Nvidia Corp | $5.5T | 28.6 | +83.4% | 63.7% | Mixed |
| AAPL Apple Inc. | $4.9T | 38.1 | +14.2% | 27.6% | Strong |
| GOOGL Alphabet Inc. | $4.3T | 17.6 | +20.1% | 54.8% | Mixed |
| MSFT Microsoft Corp | $4.0T | 29.7 | +17.8% | 40.3% | Strong |
| SPCX Space Exploration Technologies Corp. | $2.1T | — | +33.2% | -34.0% | Strained |
| META Meta Platforms, Inc. | $1.8T | 26.9 | +27.7% | 29.8% | Mixed |
Head-to-head: NAVN vs NVDA · NAVN vs AAPL · NAVN vs GOOGL
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2024–FY2026. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/NAVN
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of NAVN on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $23.50 · market cap $6.12B.