COMPARE · Data as of August 27, 2026
INTU vs NAVN
Verdict: Side-by-side breakdown using the Bull Rankings model. INTU scored 85.2, NAVN scored 33.8 — INTU leads.
Compare another set
INTU
Intuit Inc.
85.2
$348.00 · $95.2B
fundamentals as of
Score gap
51.4
INTU leads
NAVN
Navan, Inc.
33.8
$30.58 · $7.8B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- Fastest growthNAVN+30.8%
- Strongest balance sheetNAVN0.14
- Highest qualityINTU85 / 100
- Largest discount to fair valueINTU-36%
Side by side · every name on one set of axes
The model, pillar by pillar (0–100 each)
INTU
stronger →← stronger
NAVN
85
Qualityreturns · margins · balance sheet
30
90
Growthrevenue & earnings expansion
94
81
Valuevaluation vs sector peers
14
INTU is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
INTU
NAVN
$7.8bB+
FCF
$33mC-
+15.1%B+
Rev
+30.8%A
0.44B
D/E
0.14B+
21.1xB+
P/E
—
0.93B+
PEG
—
—
P/S
11.1xC
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
INTU
NAVN
36% below
Price vs fair valuelower is cheaper
911% above
~-2%/yr
Growth the price implies10-yr FCF · lower = less priced in
>60%/yr
+37%
1-yr DCF upside
-92%
+56%
5-yr DCF upside
-90%
+90%
10-yr DCF upside
-85%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
INTU
Why this score
- Raising its dividend
NAVN
Why this score
- Short track record
The companies
INTUIntuit Inc.
Why now
Software - Application · market cap $95.2b. Down 51% from 52-week high of $705.08 — deep drawdown territory. Revenue growing +15%, comfortably above the S&P median. PEG 0.93 — paying under fair value for the growth rate. 32 sell-side analysts rate this a Buy with a mean 1-yr target of $428.61 (implying +23% upside).
Moat
Net margin 22% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 169% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 51% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
NAVNNavan, Inc.
Why now
Software - Application · market cap $7.8b. Trading near 52-week high of $30.88 — momentum setup, limited technical margin of safety. Revenue growing +31% — in hypergrowth territory. 15 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $29.93 (implying -2% upside).
Moat
Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Currently unprofitable (margin -50.9%) — path to GAAP profitability is the core thesis risk. Trading within 1% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. P/S 11.1x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where INTU and NAVN diverge
On the headline score the gap is 51.4 points in favor of INTU. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- ValueINTU 81.2 · NAVN 13.8INTU +67.4
- QualityINTU 85.0 · NAVN 29.8INTU +55.2
- GrowthINTU 89.6 · NAVN 93.8NAVN +4.2
Pillars run 0–100 against sector peers, so a score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.