Stock Analysis
Navan, Inc. Class A Common StockNAVN
Sector: Technology · Industry: Services-Prepackaged Software
AnalystsStrong Buy21 analystsCash covers 394% of debt · Q3 2026.
PMP Verdict
Weak fundamentals
Risks
- Profitability0
- Growth25
Weak fundamentals — valuation is the only support.
Bull Case
- ✓Revenue CAGR 32.1% — durable top-line growth
What's happening with NAVN
Profile
profitability, growth, moat and valuation lag behind.
How is each axis scored?
- Valuation37/100 · Weak
- P/E vs own history (n/a)10/25
- FCF yield (0.7%)5/25
- P/S (7.9x)12/25
- EV/EBIT (n/a)10/25
- Growth25/100 · Weak
- Revenue CAGR (32.1%)25/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (n/a)0/25
- Profitability0/100 · Weak
- ROIC (-27.3%)0/25
- ROE (-28.5%)0/25
- Net margin (-42.1%)0/25
- Operating margin (-25.7%)0/25
- Financial Health53/100 · Moderate
- Altman Z (0.52)3/25
- Current ratio (4.49)25/25
- Interest coverage (-6.7x)0/25
- Net cash / debt (Net cash)25/25
- Quality52/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-6.54)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 14.3%)12/25
- Moat25/100 · Weak
- ROIC >12% years (n/a)0/25
- Median gross margin (68.4%)25/25
- FCF-positive years (1/3 yrs)0/25
- Worst-year net margin (worst -82.4%)0/25
Risk Flags
- ⚠Altman Z 0.5 — distress-zone balance sheet
- ⚠SBC 27.3% of revenue — real dilution cost
- ⚠3 loss-making years in recent history
- ⚠Interest coverage -6.7× — thin debt cushion
About Navan, Inc. Class A Common Stock
Navan Inc is engaged in providing an end-to-end, AI-powered software platform for managing business travel and expense (T&E). Show more
The company's platform enables users to manage corporate travel bookings, payments, and expense processes, while providing tools for customers to control and optimize spending and for suppliers to access demand. Geographically, the company operates in the United States, the United Kingdom, and other countries, with the majority of its revenue generated from the United States.
Headquarters: PALO ALTO, CA · Employees: 3,700 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
37DP/E (TTM)—
Price / TTM EPS (own statements)
P/FCF—
Price / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield0.7%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own hist. history: -0.1%–0.9% · 76th pct
P/S (TTM)7.87xC
Grade C: ExpensivePrice / TTM Revenue (own statements) — vs own hist. history: 5.1x–11.9x · 69th pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales7.3xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E96.8xD
Grade D: ExpensivePrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio5.33xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio-0.22A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
0EROIC-27.3%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE-28.5%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA-19.8%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin-42.1%D
Grade D: LowNet Income / Revenue
Operating Margin-25.7%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin72.5%A
Grade A: PremiumGross Profit / Revenue
FCF Margin5.5%D
Grade D: LowFCF / Revenue
True FCF Margin-21.8%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
25ERevenue CAGR32.1%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth—
Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue27.3%D
Grade D: HighTTM stock-based comp / TTM Revenue
Financial Health
53CAltman Z-Score0.52D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio4.49xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio4.20xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage-6.7xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT2.8xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity0.17xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt3.94xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
52CPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-6.54A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability14.3%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue0.2%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.47xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Twig Ilan Ezra Filed | Twig Ilan Ezra | SellOpen market sale | -36040 | |
Sindicich Michael Eric Filed | Sindicich Michael Eric | SellOpen market sale | -8977 | |
Cohen Ariel M. Filed | Cohen Ariel M. | SellOpen market sale | -50647 | |
Cohen Ariel M. Filed | Cohen Ariel M. | SellC | -75000 | |
Cohen Ariel M. Filed | Cohen Ariel M. | SellOpen market sale | -75000 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Cohen Ariel M. Filed | Cohen Ariel M. | BuyC | +75.0K | |
Cohen Ariel M. Filed | Cohen Ariel M. | SellOpen market sale | -168378 | |
Kaveripatnam Sandesh Filed | Kaveripatnam Sandesh | Grant / award | +394 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
25EROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)68.4%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years1/3 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor-82.4%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)—
TTM net income per share (Finnhub fallback)
Cash / Share$3.16
Cash & short-term investments per share (Finnhub)
Book Value / Share$5.06
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$205.17M
Total debt obligations (short + long term)
Cash & Equiv.$809.08M
Cash and short-term investments
Net Debt$-603.91MA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$1.22B
Shareholders' equity (book value)
Asset / Liability3.12xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$6.50B
Current Market Capitalization
Beta1.79C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jul 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Navan, Inc. Class A Common Stock (NAVN)
NAVN is up 0.71% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Navan, Inc. Class A Common Stock. Altman Z-Score of 0.52 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -6.54 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 32% annually — a strong growth profile.
- Company is effectively debt-free after netting cash.
- Interest coverage of -6.7× leaves little room for earnings shocks.
- Navan, Inc. Class A Common Stock posted a net loss in 3 of 3 available completed fiscal years (2024–2026).
See how NAVN ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Sep 9, 2026 | After-Hrs | $0.04 | $0.05 | +20.5% | $224.9M | $232.8M |
No significant market moves for NAVN in the last 30 days.
See NAVN move history →Frequently Asked Questions about NAVN
What is the current Navan, Inc. Class A Common Stock (NAVN) stock price?
NAVN is trading at $25.38 at the last market close, up 0.71% on the session. PreMarketPrice tracks NAVN pre-market, intraday and after-hours prices.
Is NAVN stock a buy right now?
PreMarketPrice's quantitative model rates Navan, Inc. Class A Common Stock's financial health at 53/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is NAVN stock overvalued?
Navan, Inc. Class A Common Stock trades at a trailing P/E of n/a and our valuation score rates it 37/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Navan, Inc. Class A Common Stock report earnings?
No confirmed earnings date is currently scheduled for NAVN. The Earnings section lists recent reports and updates as dates are announced.
What sector does Navan, Inc. Class A Common Stock operate in?
Navan, Inc. Class A Common Stock operates in the Technology sector, within the Services-Prepackaged Software industry. The Related Stocks section lists sector peers for comparison.
What does Navan, Inc. Class A Common Stock do?
Navan Inc is engaged in providing an end-to-end, AI-powered software platform for managing business travel and expense (T&E).
About Navan, Inc. Class A Common Stock (NAVN) Stock
Navan, Inc. Class A Common Stock (NAVN) is a US-listed stock operating in the Technology sector, specifically the Services-Prepackaged Software industry. As of the latest update, Navan, Inc. Class A Common Stock is trading at $25.38, up 0.71% on the day with a market capitalization of $6.5 billion. The financial health score for NAVN is 53/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for NAVN stock.
NAVN Stock Analysis & Key Metrics
On PreMarketPrice, you can track Navan, Inc. Class A Common Stock (NAVN) across multiple dimensions:
- Pre-market price & movement: Real-time NAVN stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for NAVN, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for NAVN with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Navan, Inc. Class A Common Stock across multiple reporting periods.
- Financial health score: A composite score of 53/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for NAVN.
- Sector peers: Compare NAVN against 6 other technology stocks on key financial metrics.
Is NAVN a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Navan, Inc. Class A Common Stock (NAVN) as an investment. The financial health score of 53/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Navan, Inc. Class A Common Stock (NAVN) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.