NAVN · NASDAQ · STOCK
Navan, Inc.
$28.93
52W $8.11 – $29.88
63/100
$6.92B
-5.7
1.08
Is NAVN Bullish or Bearish?
Bullish.
Innellis AI committee rates Navan, Inc. (NAVN) Buy with a composite score of 63/100
, based on 5 analysts with 60% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.92 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.08 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
Positive signals support the current rating — vix regime is low -- calm backdrop supports risk-taking. The committee sees sufficient evidence to maintain the constructive view.
Bull & Bear Case
Bull Case
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Low leverage (debt-to-equity 0.10) -- balance sheet can absorb a shock — Risk
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- ROE of only -44.6% -- cheap may mean cheap for a reason — Value
- Weekly RSI at 76 -- overbought on the larger timeframe too — Technical
- Bollinger bandwidth of 28.0% signals elevated volatility — Risk
- No news coverage in the last 14 days -- limited independent confirmation either way — News
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
63/100
Agreement
60%
Analysts
5
Conviction
Moderate
Sector Rank
Top 24%
of 284 Technology peers
Value Analyst
neutral
52
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− ROE of only -44.6% -- cheap may mean cheap for a reason
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Weekly RSI at 76 -- overbought on the larger timeframe too
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.10) -- balance sheet can absorb a shock
− Bollinger bandwidth of 28.0% signals elevated volatility
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
− No news coverage in the last 14 days -- limited independent confirmation either way
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
69.5
Neutral
MACD Histogram
0.165
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.83
Inside Bands
Price vs Moving Averages
EMA 9
$27.90
Above
EMA 21
$26.71
Above
EMA 50
$24.35
Above
EMA 200
$19.32
Above
Fundamental Analysis
Valuation
78
Profitability
25
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
-5.7×
P/B Ratio
5.86×
PEG Ratio
0.01
Dividend Yield
0.00%
52W High
$29.88
52W Low
$8.11
Quality & Growth
ROE
-3294.8%
ROA
-2329.4%
Gross Margin
7211.9%
Operating Margin
-2602.4%
Revenue Growth YoY
—
Debt / Equity
0.14
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of -5.7 (inexpensive relative to a 15-40x range); Price-to-book of 5.9x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of -32.9%; Return on assets of -23.3%; Net margin of -46.7%; Gross margin of 72.1%; Current ratio of 4.27 (healthy short-term liquidity); Debt-to-equity of 0.14; Free cash flow per share is positive (0.03); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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