Navan, Inc. Class A Common Stock (NAVN)vsOracle Corporation (ORCL)
NAVN
Navan, Inc. Class A Common Stock
$17.49
+2.10%
TECHNOLOGY · Cap: $3.91B
ORCL
Oracle Corporation
$161.39
-1.49%
TECHNOLOGY · Cap: $464.17B
Smart Verdict
WallStSmart Research — data-driven comparison
Oracle Corporation generates 9024% more annual revenue ($64.08B vs $702.26M). ORCL leads profitability with a 25.3% profit margin vs -56.7%. ORCL earns a higher WallStSmart Score of 74/100 (B).
NAVN
Avoid33
out of 100
Grade: F
ORCL
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+22.8%
Fair Value
$13.81
Current Price
$17.49
$3.68 discount
Margin of Safety
-42.4%
Fair Value
$113.34
Current Price
$161.39
$48.05 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 34.8% year-over-year
Mega-cap, among the largest globally
Every $100 of equity generates 58 in profit
Strong operational efficiency at 32.7%
Keeps 25 of every $100 in revenue as profit
Revenue surging 21.7% year-over-year
Earnings expanding 24.5% YoY
Areas to Watch
0.0% earnings growth
ROE of -60.2% — below average capital efficiency
Currently unprofitable
Operating margin of -45.7%
Moderate valuation
Trading at 13.8x book value
Weak financial health signals
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : NAVN
The strongest argument for NAVN centers on Revenue Growth. Revenue growth of 34.8% demonstrates continued momentum.
Bull Case : ORCL
The strongest argument for ORCL centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 25.3% and operating margin at 32.7%. Revenue growth of 21.7% demonstrates continued momentum.
Bear Case : NAVN
The primary concerns for NAVN are EPS Growth, Return on Equity, Profit Margin.
Bear Case : ORCL
The primary concerns for ORCL are P/E Ratio, Price/Book, Piotroski F-Score. Debt-to-equity of 4.15 is elevated, increasing financial risk.
Key Dynamics to Monitor
NAVN profiles as a hypergrowth stock while ORCL is a growth play — different risk/reward profiles.
NAVN is growing revenue faster at 34.8% — sustainability is the question.
NAVN generates stronger free cash flow (30M), providing more financial flexibility.
Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ORCL scores higher overall (74/100 vs 33/100), backed by strong 25.3% margins and 21.7% revenue growth. NAVN offers better value entry with a 22.8% margin of safety. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Navan, Inc. Class A Common Stock
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Navan, Inc. operates an AI-powered software platform to simplify the travel and expense experience, benefiting users, customers, and suppliers. The company is headquartered in Palo Alto, California.
Oracle Corporation
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Oracle is an American multinational computer technology corporation headquartered in Austin, Texas. The company was formerly headquartered in Redwood Shores, California until December 2020 when it moved its headquarters to Texas. The company sells database software and technology, cloud engineered systems, and enterprise software products, particularly its own brands of database management systems.
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