Is ACIW or NAVN more profitable?

ACIW runs the higher net margin — ACIW at 12.40% versus NAVN at -42.11%.

ACI Worldwide, Inc. (ACIW) vs Navan, Inc. (NAVN)

A side-by-side comparison of ACI Worldwide, Inc. and Navan, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

ACIW

ACI Worldwide, Inc.

$5.22B

$51.38TechnologyDelayed quote: Oct 6, 2026, 11:10 AM EDT

NAVN

Navan, Inc.

$5.17B

$21.64TechnologyDelayed quote: Oct 6, 2026, 11:05 AM EDT

Total return — ACIW vs NAVN

growth of $100 · dividends reinvested · last 1y

ACIW +8.2% (+8.2%/yr)NAVN +9.2% (+9.2%/yr)NAVN compounded faster over this window

ACIW NAVN

ACIW vs NAVN: by the numbers

•ACIW is the larger company ($5.22B vs $5.17B market cap).
•ACIW is profitable (12.40% net margin) while NAVN runs a net loss (-42.11%).

Metrics side by side

Valuation

Metric	ACIW	NAVN
P/E ratio	23.57	N/A
Forward P/E	19.84	82.53
PEG ratio	0.83	N/A
P/S ratio	2.87	6.26
P/B ratio	3.49	3.93
EV / EBITDA	13.30	N/A
FCF yield	6.79%	0.64%

Profitability

Metric	ACIW	NAVN
Gross margin	49.08%	72.57%
Operating margin	18.61%	-25.96%
Net margin	12.40%	-42.11%
ROE	15.08%	-26.43%
ROIC	10.34%	-14.25%

Growth (annualized)

Metric	ACIW	NAVN
Revenue CAGR (5Y)	7.13%	N/A
EPS CAGR (5Y)	28.60%	N/A
FCF CAGR (5Y)	5.52%	N/A
Total return CAGR (5Y)	10.79%	N/A

Frequently asked

Is ACIW or NAVN more profitable?: ACIW runs the higher net margin — ACIW at 12.40% versus NAVN at -42.11%.

Go deeper

Full ACIW analysis Full NAVN analysis Interactive comparison tool

Dig into the metrics

ACI Worldwide P/E ratio ACI Worldwide ROE Navan ROE ACI Worldwide operating margin Navan operating margin ACI Worldwide revenue growth Navan revenue growth ACI Worldwide free cash flow Navan free cash flow

ACI Worldwide & Navan appear in these rankings

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Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.