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Navan, Inc.

NAVN

$25.41 ▼ -1.65 (-6.10%) at close

4 Visible periods

29 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

Navan, Inc. faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $2.5B

Dividend Yield —

Revenue Growth 30.8% ↘

Op. Margin -28.0% ↘

ROIC -14.8% ↘

FCF / Share $0.33 ↗

Trailing P/E —

Price / Book 2.1x

FCF Yield 1.3%

Debt / Equity 0.10

info Valuation on last close. End-of-day price, Nov 5, 2026.

4-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$702.26M

↑ +30.8% —

Net Income Profit after all expenses

$-398.03M

↓ -119.8% —

Operating Margin Operating profit as % of sales

-28.0%

↓ -39.8% 4th

FCF / Share Free cash flow per share

$0.33

↑ +129.5% —

Long-Term Debt Long-term obligations

$124.80M

↓ -79.8% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability ↑

Returns

Financial Health ↑

Cash Quality

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗
Revenue Growth YoY (%)	30.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+157%)	33.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+179%)	—	—
EPS Growth YoY (%)	-1.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	46.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-119.8% Weak Weak Year-over-year change in net income	45.4% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	N/M	69.7% Excellent Excellent Year-over-year change in free cash flow	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗
Operating Margin (%) (%)	-28.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-240%)	-20.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-200%)	-61.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-406%)	—
Effective Tax Rate (%) (%)	-0.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-5.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.7% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-56.7% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-478%)	-33.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-325%)	-82.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-649%)	—
FCF Margin (%) (%)	4.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-9.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-41.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	-0.08x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.28x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.50x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗
Return on Invested Capital (%)	-14.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	20.0% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	23.1% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-11.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	-9.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-32.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-278%)	15.3% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	30.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+66%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗
Debt to Equity (x)	0.10x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	-0.52x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-216%)	—	—
Interest Coverage (x)	-7.70x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-3.64x Weak Weak Operating income divided by interest expense Optimal: > 5x	-13.22x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-458.72M	$460.27M	$-166.42M	—
Debt / EBITDA (x)	-0.91x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-7.47x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗
Revenue per Share (USD)	$7.18	$11.86	$9.02	—
Basic EPS, GAAP (USD)	$-4.07	$-4.00	$-7.44	—
Free Cash Flow per Share (USD)	$0.33	$-1.14	$-3.74	—
Book Value per Share (USD)	$12.35	$-25.92	$-24.27	—
Tangible Book Value per Share (USD)	$9.69	$-31.94	$-29.21	—
Basic Weighted Avg Shares (shares)	97.80M	45.27M	44.58M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗
Working Capital (USD)	$986.05M	$242.83M	—	—
LT Debt (USD)	$124.80M	$617.94M	—	—
Total Equity (USD)	$1.21B	$-1.19B	$-1.08B	$-840.72M

📋 What is driving earnings? 4 metrics

Metric	FY 2026 Jan 31, 2026 10-K ↗	FY 2025 Jan 31, 2025 10-K ↗	FY 2024 Jan 31, 2024 10-K ↗	FY 2023 Jan 31, 2023 10-K ↗
Sales/Revenue/Turnover (USD)	$702.26M	$536.84M	$402.26M	—
Depreciation Expense (USD)	$60.25M	$24.89M	$26.86M	—
Net Income, GAAP (USD)	$-398.03M	$-181.08M	$-331.55M	—
Operating Cash Flow (USD)	$33.67M	$-50.41M	$-166.36M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 4 years · 12 quarters

Navan, Inc.

Analytical Summary

4-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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