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Why NAVN Stock dropped -2.76% Today — RQD Quant Desk Flash

$25.38 -2.76% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $25.21

Navan Inc. (NAVN) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $6.80B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is NAVN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Navan Inc. (NASDAQ: NAVN) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $25.38 (-2.76% 1D, market cap $6.80B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 715 tracked Technology issuers, NAVN ranks #124 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does NAVN compare to NICE and CVLT in the Technology sector?
▼

Within the Technology sector (Computer Software: Prepackaged Software), NAVN carries a Roarable C+ (66/100 RQD), trailing P/E of N/A, gross margin of 71.3%, and ROIC of -18.6%. By comparison, NICE (NICE Ltd) holds a B grade (73/100 RQD, P/E 11.2x, ROIC 11.3%, cap $6.76B) and CVLT (Commvault Systems Inc.) posts a B- grade (71/100 RQD, P/E 99.4x, ROIC 10.4%, cap $6.76B). Among the 5-stock peer group, NICE leads on earnings multiple (11.2x) while NICE leads on capital efficiency (11.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for NAVN?
▼

Per NAVN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-01-31, CIK 0001639723), Navan Inc. generated $702.3M in revenue (+30.8% YoY), -$398.0M in net income, and $32.8M in free cash flow against $1.71B in total assets and $225.3M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $25.20 (-0.69%)🧬 Disciplined Float (+0.80% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 4.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk B-
Cash (13)Whales (16)SEC (16)Macro (12)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$32 Bull$26 Base$21 Bear
📬 FREE NAVN RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NAVN)Realized 20D OHLCV Swing Band: ±7.8%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY NAVN SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (24% of score)

20D Institutional Volume Accumulation (±7.8% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (24% of score)

Altman Z-Score 7.38 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (+0.80% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$24.00+10.9% Next Q
Q2 (-2Q)
61
Grade C$26.62+1.4% Next Q
Q3 (-1Q)
63
Grade C+$27.00-6% Next Q
Current
66
Grade C+$25.38+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NAVN Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, NAVN faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (+0.80% YoY Shares) — any gross margin slip below 68.8% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($24.31) or 200D SMA ($19.65) invalidates the momentum regime and cuts Target Base ($26.29) toward Bear Floor ($20.51).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NAVN• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “NAVN Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 66%NO 34%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why NAVN Stock dropped -2.76% Today — RQD Quant Desk Flash

Navan Inc. (NAVN) dropped -2.76% to $25.38, trading at 76% of its 52-week range ($8.1 – $30.88). Solid 71.3% gross margin (-19% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 76% of its 52-week range ($8.1 – $30.88) with RSI-14 at 56.8 (BULLISH MOMENTUM).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±7.8% around $25.38 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C+ (Hold) backed by 71.3% gross margin and $32.8M annual free cash flow.
Live NAVN Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (NAVN Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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NAVN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +38.39%▼ DESCENDING CHANNEL
2026-11-03O $26.63H $26.63L $25.38C $25.38VOL 2.44M
RES: $27.23SUP: $16.69SMA50: $24.31SMA200: $19.65
$32.19$26.77$21.34$15.92$10.50RES $27.23SUP $16.69$25.382026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NAVN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NAVN Butterfly Map → + Track NAVN →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
27.0%/yr Implied 5Y Growth

vs. +30.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on NAVN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NAVN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for NAVN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NAVN)

Technology Rank #124 of 715 ⚔️ NICE vs NAVN Full Matrix →

1. Head-to-Head Technology Peer Comparison (NAVN vs. NICE, CVLT, GLBE, PATH)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, Navan Inc. (NAVN) ranks #124 by composite RQD confidence (66/100, grade C+) and #182 by equity capitalization ($6.80B). Within this direct 5-issuer industry benchmark cohort, NICE leads on earnings valuation at 11.2x trailing P/E, while NICE leads on capital efficiency and profitability with 11.3% ROIC and 66.4% gross margin. NICE currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with NAVN at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
NAVN ACTIVE
Navan Inc.
C+ 66/100 — 71.3% -18.6% -2.76% $6.80B Benchmark Subject
NICE
NICE Ltd
B 73/100 11.2x 66.4% 11.3% -1.20% $6.76B /nice-vs-navn →
CVLT
Commvault Systems Inc.
B- 71/100 99.4x 81.2% 10.4% -4.41% $6.76B /cvlt-vs-navn →
GLBE
Global-E Online Ltd.
C+ 66/100 105.6x 45.3% 6.2% +3.82% $6.94B /glbe-vs-navn →
PATH
UiPath Inc.
C 62/100 25.4x 83.2% 2.7% -2.84% $7.16B /path-vs-navn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-01-31 • CIK 0001639723 ↗

In its most recent audited fiscal period (FY2025, filed 2026-01-31), Navan Inc. (NAVN) reported GAAP revenue of $702.3M (+30.8% vs. FY2024 revenue of $536.8M , and +74.6% cumulative change since FY2023) , GAAP net income of -$398.0M, operating cash flow of $33.7M, and free cash flow of $32.8M (+163.7% YoY). On the balance sheet, NAVN closed FY2025 with $1.71B in total assets against $225.3M in total debt (Altman Z-Score: 7.38, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2026-01-31 $702.3M -$398.0M $33.7M $32.8M $1.71B $225.3M
FY2024 (FY) 2025-01-31 $536.8M -$181.1M -$50.4M -$51.4M $1.08B $436.4M
FY2023 (FY) 2024-01-31 $402.3M -$331.6M -$166.4M -$184.5M $3.81B $892.5M

3. NAVN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NAVN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Navan Inc. (NASDAQ: NAVN) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $25.38 (-2.76% 1D, market cap $6.80B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 715 tracked Technology issuers, NAVN ranks #124 in composite RQD confidence.

How does NAVN compare to NICE and CVLT in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), NAVN carries a Roarable C+ (66/100 RQD), trailing P/E of N/A, gross margin of 71.3%, and ROIC of -18.6%. By comparison, NICE (NICE Ltd) holds a B grade (73/100 RQD, P/E 11.2x, ROIC 11.3%, cap $6.76B) and CVLT (Commvault Systems Inc.) posts a B- grade (71/100 RQD, P/E 99.4x, ROIC 10.4%, cap $6.76B). Among the 5-stock peer group, NICE leads on earnings multiple (11.2x) while NICE leads on capital efficiency (11.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NAVN?

Per NAVN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-01-31, CIK 0001639723), Navan Inc. generated $702.3M in revenue (+30.8% YoY), -$398.0M in net income, and $32.8M in free cash flow against $1.71B in total assets and $225.3M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NAVN trading relative to its 50-day, 200-day, and 52-week technical levels?

NAVN last traded at $25.38 (-2.76% on volume of 1,720,279 shares), positioning the stock +4.40% above its 50-day simple moving average ($24.31) and +29.16% above its 200-day simple moving average ($19.65). Across its 52-week range of $8.10 to $30.88, NAVN sits at the 75.9% percentile with a 14-day RSI of 56.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.8% ($23.40 to $27.36).

Direct Sub-Reports: NAVN RQD Cockpit NAVN 12M Forecast NAVN Earnings & Move NAVN Dividends & DRIP NAVN Insiders & 13F NAVN Whale Options NAVN Profit Sankey NAVN News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

NAVN — Navan Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-01-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Navan Inc. (NAVN) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $25.38 (-2.76% 1D, market capitalization $6.80B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of -18.6%, gross margin of 71.3%, operating margin of -28.0%, and free cash flow yield of 0.47%.
  • Whale 13F & Options Flow (16/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (16/20): Incorporates a 1.41x equity beta, Altman Z-Score of 7.38, Piotroski F-Score of 7/9, and Debt/Equity of 0.17x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Navan Inc. (NAVN) is a NASDAQ-listed issuer classified in the Technology sector and the Computer Software: Prepackaged Software industry. The reported gross margin of 71.3% indicates high gross profitability relative to revenue.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2026-01-31), Navan Inc. (NAVN) reported $702.3M in annual revenue (up from $536.8M in FY2024, +30.8% YoY) and -$398.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($402.3M revenue, -$331.6M net income) through FY2025, NAVN scaled operating cash flow to $33.7M and free cash flow to $32.8M, backed by $1.71B in total assets against $225.3M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Big institutional funds and options desks are actively positioning on the bullish side. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $8.10 – $30.88 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -28.0% operating margins and a 1.41x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are therefore — The only sector context available is the classification as Technology / Computer Software: Prepackaged Software, with Beta of 1.41 indicating above-market sensitivity to broad market moves.

  • Key Question #1: Can NAVN sustain or expand its -28.0% operating margin and -18.6% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $702.3M and free cash flow of $32.8M, how will capital allocation balance growth reinvestment against $225.3M in total debt?
  • Key Question #3: How sensitive is NAVN's 35.0x forward P/E multiple to Technology capital spending cycles and macro interest-rate shifts (Beta 1.41x)?

NAVN Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Navan Inc. (NAVN) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to NAVN Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

NAVN Bull vs. Bear Conversation Board — What's Your Call at $25.38?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON NAVN 🐻 33% BEARISH CONVICTION
1. Pick Your Side on NAVN:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $33.41 (+28.0%)
📌 Pinned Debate

Revenue grew from $402.3M to $702.3M between FY 2023 and FY 2025 while reported debt fell from $892.5M to $225.3M and cash reached $583

Picked up a starter position in NAVN in my $100K Virtual Cash book at $26.10. Revenue grew from $402.3M to $702.3M between FY 2023 and FY 2025 while reported debt fell from $892.5M to $225.3M and cash reached $583.5M.. Trading inside a $8.10–$30.88 52-week range with 0.47% FCF yield gives solid downside support if Computer Software: Prepackaged Software multiples expand this quarter.

VolSurface_Trader 🐂 BULL

@BearTrap_Alert Shorting a 16/20 institutional whale-flow stock at $26.10 is dangerous when funds are rotating into Technology.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $20.62 (-21.0%)
Spot @ $26.10

Operating margin of -28% and ROIC of -18.6% show the business has not yet converted growth into positive returns, while the stock trade

Here is the bear case nobody on the bull side wants to address on NAVN: Operating margin of -28% and ROIC of -18.6% show the business has not yet converted growth into positive returns, while the stock trades at a forward P/E of 35 with trailing EPS of -1.53.. At 35.0x forward P/E, even a small guidance miss in Computer Software: Prepackaged Software triggers a 12-15% air pocket.

LIVE TAPE