ACI WORLDWIDE, INC. vs Navan, Inc.
Side-by-Side SaaS Metrics & Valuation Comparison
analyticsVertical SaaS
Data as of Q2 2026
Summary Verdict
ACIW: 2—NAVN: 3wins
Rule of 40
26.1ACIW
56.7NAVN
check_circleNAVN leads
Revenue Growth
9.1%ACIW
52.7%NAVN
check_circleNAVN leads
Gross Margin
46%ACIW
73%NAVN
check_circleNAVN leads
FCF Margin
17.0%ACIW
4.0%NAVN
check_circleACIW leads
Operating Margin
15.2%ACIW
-16.5%NAVN
check_circleACIW leads
NRR
—ACIW
—NAVN
Metric
Rule of 40Efficiency score
ACIW
26.1
NAVN
56.7check_circle
Revenue GrowthYoY
ACIW
9.1%
NAVN
52.7%check_circle
Gross Margin% of revenue
ACIW
46%
NAVN
73%check_circle
FCF MarginFree cash flow
ACIW
17.0%check_circle
NAVN
4.0%
Operating MarginGAAP
ACIW
15.2%check_circle
NAVN
-16.5%
NRRNet retention
ACIW
N/A
NAVN
N/A
EV / RevenueValuation multiple
ACIW
3.5xcheck_circle
NAVN
6.7x
Market CapUSD
ACIW
$5.3Bcheck_circle
NAVN
$5.0B
ARR GrowthYoY
ACIW
N/A
NAVN
N/A
CAC PaybackMonths to recover
ACIW
N/A
NAVN
N/A
insights
Analysis
As of Q2 2026, ACI WORLDWIDE, INC. trades at 3.5x EV/Revenue versus Navan, Inc. at 6.7x. On the Rule of 40, ACI WORLDWIDE, INC. scores 26.1 compared to Navan, Inc.'s 56.7, placing Navan, Inc. ahead in operating efficiency. Gross margins stand at ACI WORLDWIDE, INC. 46% vs Navan, Inc. 73%.
Sector Context
Both companies operate in the Vertical SaaS sector. The median columns above show where each company stands relative to their peers.