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Financial statements

Navan, Inc. financial statements

Income statement, balance sheet and cash flow statement for the last 3 fiscal years, taken from the XBRL data Navan, Inc. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

FY2024FY2026FY2026
Revenue402537702
Cost of revenue163170202
Gross profit240367500
Research and development132122151
Selling and marketing221219343
General and administrative133134203
Operating expenses486475697
Operating income-246-108-197
Interest expense63.37651.3
Interest income4.525.629.24
Other non-operating income10.1-0.0717.3
Pre-tax income-326-172-396
Income tax5.439.572.11
Net income-332-181-398
EBITDA-219-82.7-137
EPS, basic-7.44-4.00-4.07
EPS, diluted-7.44-4.00-4.07
Shares, basic (weighted)44.645.397.8
Shares, diluted (weighted)44.645.397.8

Balance sheet

FY2024FY2026FY2026
Cash and equivalents166158584
Short-term investments0157
Receivables185216
Other current assets8.6716.9
Total current assets6891,307
Property, plant and equipment29.535
Lease right-of-use assets4843.4
Goodwill221220241
Intangible assets55.619.3
Long-term investments328
Other non-current assets21.228.6
Total assets1,0841,709
Accounts payable42.865.9
Accrued liabilities27.425.8
Deferred revenue34.145.2
Total current liabilities446321
Lease liabilities43.137.6
Other non-current liabilities22.918
Total liabilities970501
Total debt618125
Paid-in capital4683,226
Retained earnings-1,617-2,015
Other comprehensive income-37.6-3.23
Shareholders' equity-1,082-1,1871,208
Total equity-1,082-1,1871,208
Total liabilities and equity1,0841,709
Shares outstanding45.8

Cash flow statement

FY2024FY2026FY2026
Net income-332-181-398
Depreciation and amortization26.924.960.2
Stock-based compensation75.977182
Deferred income tax-3.220-11.3
Change in receivables-21.1-24.6-26
Change in payables-9.6317.13.08
Cash from operations-166-50.433.7
Capital expenditures-0.56-0.99-0.92
Acquisitions-7.03-3.880
Purchases of investments00-156
Cash from investing-10944.9-203
Debt issued20686.2216
Stock issued9.064.5423.9
Cash from financing21352.6520
Exchange rate effect-0.41-3.816.92
Net change in cash-62.943.2357
Free cash flow-167-51.432.8
Interest paid18.629.525.6
Income taxes paid6.378.5417.2

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to July 31, 2026; growth uses fiscal years. Valuation uses the share price of $19.42 on September 25, 2026.

Profitability

MetricValueHow it is calculated
Gross margin72.5%Gross profit / revenue.
Operating margin-25.7%Operating income / revenue.
EBITDA margin-18.5%EBITDA (operating income + depreciation and amortization) / revenue.
Pre-tax margin-42.4%Pre-tax income / revenue.
Net margin-42.1%Net income / revenue.
FCF margin5.5%Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin5.7%Cash from operations / revenue.
Return on equity (ROE)-26.4%Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)-19.2%Net income / average total assets.
Return on invested capital (ROIC)-25.3%Approximation: operating income x (1 - tax rate) / average (total debt + equity - cash). Tax rate is the effective rate when between 0% and 50%, else 21%.
R&D / revenue21.0%Research and development expense / revenue.
Stock-based pay / revenue27.3%Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue0.2%Capital expenditures / revenue.
D&A / revenue7.2%Depreciation and amortization / revenue.

Growth

MetricValueHow it is calculated
Revenue growth, 1y30.8%Revenue vs the same period a year earlier. Only from a positive base.
Gross profit growth, 1y36.4%Gross profit vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y57.6%Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y116.0%Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

MetricValueHow it is calculated
Current ratio4.38xCurrent assets / current liabilities.
Quick ratio3.22x(Cash + short-term investments + receivables) / current liabilities.
Cash ratio2.55x(Cash + short-term investments) / current liabilities.
Liabilities / assets27.4%Total liabilities / total assets.
Interest coverage-8.48xOperating income / interest expense.
Working capital$1.08BCurrent assets - current liabilities.
Goodwill and intangibles / assets14.1%(Goodwill + intangible assets) / total assets.
Tangible book value$1.06BShareholders' equity - goodwill - intangible assets.

Efficiency

MetricValueHow it is calculated
Asset turnover0.46xRevenue / average total assets.
Fixed asset turnover21.7xRevenue / average property, plant and equipment.
Receivables turnover3.89xRevenue / average receivables.
Days sales outstanding94 days365 x average receivables / revenue.
Days payables91 days365 x average accounts payable / cost of revenue.
Capex / operating cash flow3.7%Capital expenditures / cash from operations, when that is positive.

Per share

MetricValueHow it is calculated
EPS, diluted-$1.36Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share$3.22Revenue / diluted weighted shares.
FCF per share$0.18Free cash flow / diluted weighted shares.
Operating cash flow per share$0.18Cash from operations / diluted weighted shares.
Book value per share$5.13Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share$4.14Tangible book value / shares outstanding.
Cash per share$3.20(Cash + short-term investments) / shares outstanding.

Valuation

MetricValueHow it is calculated
Market cap$4.94BShare price x shares outstanding.
Enterprise value$4.12BMarket cap + total debt - cash - short-term investments.
P/S5.98xMarket cap / revenue.
P/B3.75xMarket cap / shareholders' equity. Only when equity is positive.
Price / tangible book4.65xMarket cap / tangible book value, when positive.
P/FCF108xMarket cap / free cash flow. Only when free cash flow is positive.
P/OCF104xMarket cap / cash from operations, when positive.
EV/Sales4.99xEnterprise value / revenue.
EV/FCF90.5xEnterprise value / free cash flow, when both are positive.
FCF yield0.9%Free cash flow / market cap.
Earnings yield-7.0%Net income / market cap (the inverse of P/E).
What was Navan, Inc.'s revenue in fiscal 2026?

Navan, Inc. reported revenue of $702.3M for fiscal 2026, 30.8% higher than the year before.

Was Navan, Inc. profitable in fiscal 2026?

No. It reported a net loss of $398.0M.

How much free cash flow did Navan, Inc. generate in fiscal 2026?

Cash from operations of $33.7M minus capital expenditures of $917.0K left free cash flow of $32.8M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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