Navan, Inc. ( NAVN ) Q3 2026 Earnings Call December 15, 2025 4:30 PM EST Company Participants Ryan Burkart Ariel Cohen - Co-Founder, CEO & Chairman Amy Butte Liebowitz - Chief Financial Officer Conference Call Participants Steven Enders - Citigroup Inc., Research Division Kasthuri Rangan - Goldman Sachs Group, Inc., Research Division Sitikantha Panigrahi - Mizuho Securities USA LLC, Research Division Samad Samana - Jefferies LLC, Research Division Christopher Quintero - Morgan Stanley, Research Division Scott Berg - Needham & Company, LLC, Research Division Jed Kelly - Oppenheimer & Co. Inc., Research Division Andrew DeGasperi - BNP Paribas, Research Division Mark Schappel - Loop Capital Markets LLC, Research Division Blair Abernethy - Rosenblatt Securities Inc., Research Division Presentation Operator Thank you for standing by, and welcome to Navan's Third Quarter Fiscal Year 2026 Earnings Conference Call. [Operator Instructions] I would now like to hand the call over to Vice President, Investor Relations, Ryan Burkart.