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NAVN

Navan, Inc.

Navan, Inc. is classed by the SEC under Services-Prepackaged Software (industry code 7372), based in Palo Alto, CA. In its latest annual figures on file, for the fiscal year ended 2026-01-31, it reported revenue of $702 million and a loss of $398 million (its filed statements).

Subscription business Services-Prepackaged Software Palo Alto, CA filings since 2015 6 of 9 filed, 3 estimated
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Sector peers: GTLBRPDTTANTENB

5.4/10headline grade
vs its business-model standard
4.6/10past 5.2/10present 6.1/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a subscription business: prior from its industry code (SEC 7372, Services-Prepackaged Software); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 5.4 out of ten, 6 of 9 metrics filed and 3 estimated: past 4.6 out of ten, present 5.2 out of ten, future 6.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 7.3 out of ten. No warning events in its filings since 2017. 73rd percentile among 230 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 6.0 out of ten. +32.1% a year over 3 filed years; profitable in 0 of 3. 60th percentile among 213 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 1.1 out of ten. CrossAssetData estimate 1.1/10, confidence 35 of 100 (one part). 11th percentile among 216 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
  • Financial health (present): 3.7 out of ten. ROE -33%: lost 33¢ per shareholder dollar. Leverage 29%: owes 29¢ per asset dollar. 37th percentile among 217 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 5.5 out of ten. top 45% of 218 in its family; net margin -56.7%. 55th percentile among 218 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 8.0 out of ten. CrossAssetData estimate 8.0/10, confidence 35 of 100 (one part). 80th percentile among 168 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
  • Room to expand (future): 5.4 out of ten. top 46% of 216 in its family for room to expand. 54th percentile among 216 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 7.2 out of ten. top 28% of 213 in its family for growth drivers. 72nd percentile among 213 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 5.1 out of ten. CrossAssetData estimate 5.1/10, confidence 20 of 100 (family median). 50th percentile among 194 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.

The filing record

Newest annual report: Form 10-K filed 2026-04-02 for the period ended 2026-01-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-09-10 for the period ended 2026-07-31 (on EDGAR). Newest results release: Form 8-K filed 2026-09-09 (on EDGAR). Newest filing: Form 8-K, 2026-10-09. Filings on record since 2015. Read from EDGAR 2026-10-12.

Where the revenue comes from

Product and service lines in fiscal 2026: Usage Based Revenue 91%, Subscription Revenue 9%. By geography: United States 62%, United Kingdom 21%, Rest of World 17%. As tagged in its annual report (Form 10-K, filed 2026-04-02).

Who runs it

Cohen, Ariel M. (Chairperson and CEO); Sindicich, Michael Eric (President); Nolf, Aurelien Pierre Leon (Chief Financial Officer); Butte, Amy (Chief Financial Officer); Twig, Ilan Ezra (Chief Technology Officer); Giviskos, Anne Mary (SVP, Strategic Finance and Chief Accounting Officer); Horowitz, Benjamin A (director); Kaveripatnam, Sandesh (director); Liang, Clara (director); Williams, Anre D (director); and 13 more. 23 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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