AU · rank #19 · 2026-07-21
NAVN
NASDAQ · $7.05B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.471 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.00 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 12 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.163 |
| Analyst upside Consensus target $29.60 | +6.7% |
| Momentum acceleration 3-month minus 12-month momentum. | +58.49% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | — |
| Gross margin TTM | +72.1% |
| 52w high | $28.22 |
| Market cap (USD) | $7.05B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
Navan operates an AI-powered corporate travel and expense management SaaS platform generating ~$702M in FY2026 revenue with 31% growth and its first year of positive non-GAAP operating income and free cash flow.
Rationale
The analyst_upside signal is reinforced by 100% revision agreement across 13 analysts, a massive 1,075% earnings surprise in the most recent quarter, and a guidance raise to $76–80M non-GAAP operating profit, suggesting consensus estimates are still catching up to a genuine inflection in profitability.
Material risks
- 1Cyclical corporate travel demand is the most concrete thesis-breaker — a macro shock or enterprise travel budget freeze could rapidly reverse the margin inflection that is driving the entire upside narrative.
- 2Zero insider buying over 90 days and a 44% analyst target dispersion signal meaningful disagreement on terminal value, with the stock still deeply GAAP-loss-making (~$197M operating loss) due to heavy stock-based compensation that limits re-rating potential.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.