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NAVAN INC-CL A (NAVN) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:NAVN - US6391931010 - Common Stock

13.75 USD
-0.18 (-1.29%)
Last: 12/9/2025, 8:18:23 PM
13.92 USD
+0.17 (+1.24%)
After Hours: 12/9/2025, 8:18:23 PM
Fundamental Rating

2

Overall NAVN gets a fundamental rating of 2 out of 10. We evaluated NAVN against 131 industry peers in the Hotels, Restaurants & Leisure industry. NAVN has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, NAVN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year NAVN has reported negative net income.
NAVN had a negative operating cash flow in the past year.
NAVN Yearly Net Income VS EBIT VS OCF VS FCFNAVN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2024 2025 -100M -200M -300M

1.2 Ratios

NAVN has a Return On Assets of -15.96%. This is amonst the worse of the industry: NAVN underperforms 87.02% of its industry peers.
NAVN has a worse Return On Equity (-195.40%) than 68.70% of its industry peers.
Industry RankSector Rank
ROA -15.96%
ROE -195.4%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
NAVN Yearly ROA, ROE, ROICNAVN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2024 2025 -50 -100 -150

1.3 Margins

With an excellent Gross Margin value of 68.37%, NAVN belongs to the best of the industry, outperforming 83.97% of the companies in the same industry.
The Profit Margin and Operating Margin are not available for NAVN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 68.37%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NAVN Yearly Profit, Operating, Gross MarginsNAVN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2024 2025 0 50 -50

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3

2. Health

2.1 Basic Checks

NAVN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, NAVN has about the same amount of shares outstanding.
NAVN has a worse debt/assets ratio than last year.
NAVN Yearly Shares OutstandingNAVN Yearly Shares OutstandingYearly Shares Outstanding 2024 2025 50M 100M 150M 200M
NAVN Yearly Total Debt VS Total AssetsNAVN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

NAVN has an Altman-Z score of 0.53. This is a bad value and indicates that NAVN is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.53, NAVN is doing worse than 73.28% of the companies in the same industry.
A Debt/Equity ratio of 5.50 is on the high side and indicates that NAVN has dependencies on debt financing.
The Debt to Equity ratio of NAVN (5.50) is worse than 61.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.5
Debt/FCF N/A
Altman-Z 0.53
ROIC/WACCN/A
WACC8.35%
NAVN Yearly LT Debt VS Equity VS FCFNAVN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2024 2025 0 100M -100M 200M 300M

2.3 Liquidity

NAVN has a Current Ratio of 2.88. This indicates that NAVN is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 2.88, NAVN belongs to the best of the industry, outperforming 93.13% of the companies in the same industry.
NAVN has a Quick Ratio of 2.88. This indicates that NAVN is financially healthy and has no problem in meeting its short term obligations.
NAVN's Quick ratio of 2.88 is amongst the best of the industry. NAVN outperforms 93.89% of its industry peers.
Industry RankSector Rank
Current Ratio 2.88
Quick Ratio 2.88
NAVN Yearly Current Assets VS Current LiabilitesNAVN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2024 2025 200M 400M 600M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 45.38% over the past year.
NAVN shows a strong growth in Revenue. In the last year, the Revenue has grown by 33.46%.
EPS 1Y (TTM)45.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-7.94%
Revenue 1Y (TTM)33.46%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%29.83%

3.2 Future

NAVN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.52% yearly.
Based on estimates for the next years, NAVN will show a very strong growth in Revenue. The Revenue will grow by 25.81% on average per year.
EPS Next Y24.02%
EPS Next 2Y29.34%
EPS Next 3Y25.52%
EPS Next 5YN/A
Revenue Next Year27.24%
Revenue Next 2Y25.52%
Revenue Next 3Y25.81%
Revenue Next 5YN/A

3.3 Evolution

NAVN Yearly Revenue VS EstimatesNAVN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
NAVN Yearly EPS VS EstimatesNAVN Yearly EPS VS EstimatesYearly EPS VS Estimates 2026 2027 2028 -0.1 -0.2 -0.3 -0.4 -0.5

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for NAVN. In the last year negative earnings were reported.
Also next year NAVN is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
NAVN Price Earnings VS Forward Price EarningsNAVN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 -50

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
NAVN Per share dataNAVN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 -0.5 1 1.5 2

4.3 Compensation for Growth

NAVN's earnings are expected to grow with 25.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y29.34%
EPS Next 3Y25.52%

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0

5. Dividend

5.1 Amount

NAVN does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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NAVAN INC-CL A

NASDAQ:NAVN (12/9/2025, 8:18:23 PM)

After market: 13.92 +0.17 (+1.24%)

13.75

-0.18 (-1.29%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)N/A N/A
Earnings (Next)12-15 2025-12-15
Inst Owners32.57%
Inst Owner ChangeN/A
Ins Owners5.37%
Ins Owner Change-2.38%
Market Cap3.41B
Revenue(TTM)536.84M
Net Income(TTM)-181.08M
Analysts85.71
Price Target26.11 (89.89%)
Short Float %0.36%
Short Ratio0.26
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 6.36
P/FCF N/A
P/OCF N/A
P/B 36.83
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.73
EYN/A
EPS(NY)-0.24
Fwd EYN/A
FCF(TTM)-0.13
FCFYN/A
OCF(TTM)-0.07
OCFYN/A
SpS2.16
BVpS0.37
TBVpS-0.8
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -15.96%
ROE -195.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 68.37%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.47
Health
Industry RankSector Rank
Debt/Equity 5.5
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 54.66%
Cap/Sales 3.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.88
Quick Ratio 2.88
Altman-Z 0.53
F-ScoreN/A
WACC8.35%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)45.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-7.94%
EPS Next Y24.02%
EPS Next 2Y29.34%
EPS Next 3Y25.52%
EPS Next 5YN/A
Revenue 1Y (TTM)33.46%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%29.83%
Revenue Next Year27.24%
Revenue Next 2Y25.52%
Revenue Next 3Y25.81%
Revenue Next 5YN/A
EBIT growth 1Y56.31%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year85.6%
EBIT Next 3Y33.41%
EBIT Next 5YN/A
FCF growth 1Y63.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y69.7%
OCF growth 3YN/A
OCF growth 5YN/A

NAVAN INC-CL A / NAVN FAQ

Can you provide the ChartMill fundamental rating for NAVAN INC-CL A?

ChartMill assigns a fundamental rating of 2 / 10 to NAVN.


What is the valuation status of NAVAN INC-CL A (NAVN) stock?

ChartMill assigns a valuation rating of 1 / 10 to NAVAN INC-CL A (NAVN). This can be considered as Overvalued.


What is the profitability of NAVN stock?

NAVAN INC-CL A (NAVN) has a profitability rating of 1 / 10.


Can you provide the financial health for NAVN stock?

The financial health rating of NAVAN INC-CL A (NAVN) is 3 / 10.