# Navan, Inc. Class A Common Stock (NAVN) — Stock CV

Navan, Inc. is a $6.12B technology company. Revenue grew 34.8% over the last year, and it currently loses money.

> Navan Inc is engaged in providing an end-to-end, AI-powered software platform for managing business travel and expense (T&E).

## Identity

- **Ticker**: NAVN
- **Sector**: Technology
- **Industry**: Services-Prepackaged Software
- **Headquarters**: PALO ALTO, CA
- **Employees**: 3 700
- **Website**: https://www.navan.com
- **Market cap**: $6.12B
- **Last price**: $23.50
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $826M
- **Net income**: -$348M
- **Free cash flow**: $45.5M
- **Revenue growth (YoY)**: 34.8%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 37 |
| Growth | 25 |
| Profitability | 0 |
| Health | 25 |
| Quality | 52 |
| Moat | 25 |

## Qualifications (beginner checklist) — 5 of 9 passed

- [x] Revenue growing — +34.8% YoY
- [ ] Profitable — -$348M TTM
- [ ] Profit growing — -119.8% YoY
- [x] Generates cash — $45.5M TTM
- [x] Debt under control — current ratio 4.38
- [x] Established company — $6.12B market cap
- [x] Not printing shares — +9.7% shares over ~5y
- [ ] Proven track record — 0/3 profitable years
- [ ] Financially stable — health score 25/100

## Experience (career milestones)

- **Sep 9, 2026** — Beat EPS estimate by 20%: reported $0.05 vs $0.04 expected

## 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

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2024 | $402M | -$332M | -$167M |
| FY2025 | $537M | -$181M | -$51.4M |
| FY2026 | $702M | -$398M | $32.8M |

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Source: https://stockcv.com/NAVN — derived from company filings; may be delayed or incomplete. Information, not investment advice.