NASDAQ$NAVN

Navan, Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close

Briefing

Navan reported strong third quarter results with 29% revenue growth and positive non-GAAP net income, despite a significant GAAP net loss driven by non-operational charges.

Navan achieved solid revenue growth and returned to non-GAAP profitability, bolstered by strong enterprise momentum and increased operating efficiency. GAAP losses widened due to debt extinguishment and fair value adjustments.

Headline financials

Total Revenue

$195M

No prior period
EPS

-$4.58

No prior period
Gross Booking Volume

$2.6B

No prior period
Payment Volume

$1.1B

No prior period
Customer Satisfaction

97.0%

No prior period
Net Promoter Score

45

No prior period
Capital Expenditures

-$589K

No prior period
Free Cash Flow

-$226M

No prior period
Net Income

-$225M

No prior period
Operating Income

-$79.2M

No prior period
Gross Profit

$138M

No prior period
Cash & Equivalents

$809M

No prior period
Total Assets

$1.79B

No prior period

Revenue & EPS history

Navan, Inc · Revenue · Quarterly

$195M

Q3 2025
Beat estimate in 3 of 3 quarters(100%)
ActualEstimate

Revenue by segment

Navan, Inc · $220M total across 2 segments · Q1 2027

  • Usage revenue
    $202M
  • Subscription revenue
    $18M

Forward guidance

Navan expects Q4 FY26 revenue to range from $161M to $163M with a non-GAAP operating loss of up to $15.5M. For the full year, revenue is expected to grow 28% with positive non-GAAP operating income.

Tailwinds

  • Revenue growth expected to continue at 23% YoY in Q4.
  • Full-year revenue guidance raised to $685M–$687M.
  • FY26 non-GAAP operating margin forecasted positive at 3%.
  • Enterprise momentum continues with major new clients.
  • Increased adoption of AI tools improving customer support efficiency.

Headwinds

  • Q4 expected to have a non-GAAP operating loss of up to $15.5M.
  • GAAP profitability remains out of reach due to high stock-based compensation.
  • Seasonality impacts Q4 performance versus Q3.
  • Significant prior-year GAAP losses driven by non-operational charges.
  • Macroeconomic factors and travel disruptions remain potential risks.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 1 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

-3.0%

Avg return

Earnings day

-2.8%

Avg return

5 days after

+0.9%

Avg return

30 days after

33%

1 / 3 earnings

Positive

+8.3%

Q1 2026

Best reaction

-11.9%

Q3 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2027-5.3%
Q1 2026+8.3%-8.8%
Q3 2025-11.9%+3.2%+0.9%

Discussion

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