WallStSmart

Navan, Inc. Class A Common Stock (NAVN)vsPalo Alto Networks Inc (PANW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 1309% more annual revenue ($9.89B vs $702.26M). PANW leads profitability with a 13.0% profit margin vs -56.7%. PANW earns a higher WallStSmart Score of 56/100 (C).

NAVN

Avoid

33

out of 100

Grade: F

Growth: 8.0Profit: 2.0Value: 6.0Quality: 6.5
Piotroski: 4/9

PANW

Buy

56

out of 100

Grade: C

Growth: 8.0Profit: 7.0Value: 4.7Quality: 5.0
Piotroski: 1/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NAVNUndervalued (+22.8%)

Margin of Safety

+22.8%

Fair Value

$13.81

Current Price

$17.49

$3.68 discount

UndervaluedFair: $13.81Overvalued
PANWUndervalued (+60.8%)

Margin of Safety

+60.8%

Fair Value

$457.02

Current Price

$179.32

$277.70 discount

UndervaluedFair: $457.02Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NAVN1 strengths · Avg: 10.0/10
Revenue GrowthGrowth
34.8%10/10

Revenue surging 34.8% year-over-year

PANW3 strengths · Avg: 9.7/10
EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Market CapQuality
$145.43B9/10

Large-cap with strong market position

Areas to Watch

NAVN4 concerns · Avg: 2.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
-60.2%2/10

ROE of -60.2% — below average capital efficiency

Profit MarginProfitability
-56.7%1/10

Currently unprofitable

Operating MarginProfitability
-45.7%1/10

Operating margin of -45.7%

PANW4 concerns · Avg: 2.8/10
Price/BookValuation
13.4x4/10

Trading at 13.4x book value

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
3.052/10

Expensive relative to growth rate

P/E RatioValuation
100.2x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : NAVN

The strongest argument for NAVN centers on Revenue Growth. Revenue growth of 34.8% demonstrates continued momentum.

Bull Case : PANW

The strongest argument for PANW centers on EPS Growth, Debt/Equity, Market Cap. Revenue growth of 14.9% demonstrates continued momentum.

Bear Case : NAVN

The primary concerns for NAVN are EPS Growth, Return on Equity, Profit Margin.

Bear Case : PANW

The primary concerns for PANW are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 100.2x leaves little room for execution misses.

Key Dynamics to Monitor

NAVN profiles as a hypergrowth stock while PANW is a value play — different risk/reward profiles.

NAVN is growing revenue faster at 34.8% — sustainability is the question.

PANW generates stronger free cash flow (470M), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PANW scores higher overall (56/100 vs 33/100) and 14.9% revenue growth. NAVN offers better value entry with a 22.8% margin of safety. Both earn "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.

Palo Alto Networks Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palo Alto Networks, Inc. provides cybersecurity platform solutions globally. The company is headquartered in Santa Clara, California.

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