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Navan, Inc.

NAVN | Q3 2026
Management Tone:BullishConfidence:High

Key Themes:

Strong enterprise traction.AI-driven competitive edge.Seasonal impact on business.Strategic global expansion.Focus on innovation and efficiency.

Recording

Full Transcript

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Executive Summary

So Navan just dropped their Q3 numbers and honestly, pretty solid quarter. They pulled in $195 million in revenue, which is a sweet 29% jump from last year, largely thanks to strong enterprise momentum and some savvy AI enhancements. They're clearly pushing hard on the AI front with their Cognition platform boosting their market stance. Earnings call also hinted at a planned shift to 'Navan Edge,' aiming to further leverage AI for travel booking. Analysts seemed pretty upbeat about Navan's guidance upgrades, forecasting up to $687 million for the full year, which is up 28% year-over-year. They did note some seasonal headwinds expected in Q4, but Navan appears confident, raising guidance across the board. Ariel Cohen, the CEO, really hammered home the point about AI being the future of their service. All in all, their outlook feels promising. If I had to choose, I'm leaning bullish given their current trajectory and strategic clarity.

Key Highlights

productAriel Cohen

Navan's AI agent framework Cognition handles complex travel tasks, maintaining high satisfaction levels.

financialAmy Butte

Navan achieved $195 million in Q3 revenue, marking a 29% year-over-year growth, surpassing expectations.

guidanceAmy Butte

For Q4, Navan raises revenue guidance to $161-$163 million, showcasing a 23% growth over last year.

financialAriel Cohen

Navan's Cognition AI has expanded gross margin to 74%, a transformative high for the company.

qaAriel Cohen

Customer satisfaction reached a high 97%, with NPS rising to 45, far above the industry average.

productAriel Cohen

Navan is developing 'Navan Edge,' an AI-powered travel booking experience set to redefine the future of travel.

strategyAriel Cohen

Navan is well-positioned with an integrated AI core for leading the future of travel and expense management.

Table of Contents

Key Metrics

Revenue

$195 million

+29% YoY

Non-GAAP Operating Margin

13%

+870 basis points YoY

Free Cash Flow

-$11 million

+30% compared to Q3 FY25

Gross Booking Volume

$2.8 billion

+40% YoY

Non-GAAP Gross Margin

74%

+200 basis points YoY

CAPEX

Not explicitly mentioned

Details

Company
Navan, Inc.
Symbol
NAVN
Period
Q3 2026
Processed
December 16, 2025