NAVN · NASDAQ · STOCK
Navan (NAVN) Stock Analysis
$23.64
52W $8.11 – $30.88
62/100
$5.65B
-4.7
1.10
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is NAVN Bullish or Bearish?
Bullish.
Innellis AI committee rates Navan, Inc. (NAVN) Buy with a composite score of 62/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +12.64 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 — -7.36 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
The committee is genuinely divided. News Analyst sees a compelling case — news sentiment is positive (+1.00 across 1 articles, 14d). Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- 4 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.10) -- balance sheet can absorb a shock — Risk
- News sentiment is positive (+1.00 across 1 articles, 14d) — News
Bear Case
- ROE of only -27.9% -- cheap may mean cheap for a reason — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- RSI at 71 is in overbought territory — Technical
- Bollinger bandwidth of 21.7% signals elevated volatility — Risk
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 October 10, 2026
Overall Committee Score
62/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 20%
of 287 Technology peers
Value Analyst
neutral
52
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− ROE of only -27.9% -- cheap may mean cheap for a reason
Growth Analyst
neutral
58
/ 100 · Moderate confidence
Moderate growth -- present but not remarkable
+ 4 consecutive earnings beats -- consistent execution
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− RSI at 71 is in overbought territory
Risk Analyst
bullish
62
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.10) -- balance sheet can absorb a shock
− Bollinger bandwidth of 21.7% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
90
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+1.00 across 1 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 61.3 to 62.4.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: score 74->90 (+16); +1 bullish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: score 58->48 (-10); +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
70.8
Overbought
MACD Histogram
0.541
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$11.78
Resistance
$28.21
Bollinger %B
0.99
Inside Bands
Price vs Moving Averages
EMA 9
$22.14
Above
EMA 21
$22.37
Above
EMA 50
$23.54
Above
EMA 200
$21.05
Above
Fundamental Analysis
Valuation
84
Growth
69
Profitability
25
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
-4.7×
P/B Ratio
4.61×
PEG Ratio
0.01
Dividend Yield
0.00%
52W High
$30.88
52W Low
$8.11
Quality & Growth
ROE
-3294.8%
ROA
-2329.4%
Gross Margin
7256.7%
Operating Margin
-2596.4%
Revenue Growth YoY
—
Debt / Equity
0.13
AI Fundamental Assessment
P/E ratio of -4.7 (inexpensive relative to a 15-40x range); Price-to-book of 4.6x; 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 -42.1%; Gross margin of 72.6%; Current ratio of 4.33 (healthy short-term liquidity); Debt-to-equity of 0.13; Free cash flow per share is positive (0.16); Most recent quarter beat estimates by 20.5%; 4 consecutive earnings beats; EPS growth decelerating (+300.0% -> -37.5% QoQ); Analyst estimates rising over recent quarters
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