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Index › Spend and procurement › Expense management › Navan vs SAP Concur
Expense management · October 2026 Edition

Navan vs SAP Concur

Two of fourteen models named Navan first on the direct prompt; two named SAP Concur. Both were named by all fourteen models and Navan carries 27 labels and SAP Concur 45, so the shares are not directly comparable.

Navan

accepted challenger

Named in four categories this edition.

SAP Concur

criticized challenger

Named in eight categories this edition.

First-choice share4%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate7%44%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#6#8A position in a field of 11; printed, not drawn.
Labels2745A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Navan reading right to left. Rank and label count are printed, not drawn.Ramp was named alongside these two in ten of the fourteen direct answers. Ramp vs Navan · Ramp vs SAP Concur · Zoho Expense vs Navan

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the expense management page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
NavanFirst choices, of fourteen modelsSAP Concur
Direct224 against SAP Concur
Paraphrase004 against SAP Concur
Comparative002 against SAP Concur
Budget-constrained001 against Navan · 1 against SAP Concur
Scale-constrained001 against SAP Concur
Negative001 against Navan · 8 against SAP Concur
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Across every category in the October 2026 Edition, Navan and SAP Concur were named in the same answer 201 times, of the 320 answers naming Navan and the 439 naming SAP Concur. In those answers SAP Concur took the first choice forty-seven times and Navan forty-eight.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Navan and SAP Concur stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.1 Fast
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
GPT-6 Luna
Muse Glimmer 30B
Navan SAP Concur first choice named as an alternative argued againstblank: not namedEach cell is one answer, Navan on the left and SAP Concur on the right.

The direct prompt

The plain question, one answer per model, grouped by where Navan and SAP Concur stood in it.

Both were the first choice

1 of 14 modelsThe answer named them together, and the judge labeled each a first choice.
Muse Glimmer 30BNavan, SAP Concur alternatives: Airbase, Paylocity, Rippling Spend, Rydoo

Navan first, SAP Concur not the choice

1 of 14 modelsSAP Concur was named in the answer but not as the choice, or not at all.
Grok 4.1 FastNavan alternatives: Expensify, Rippling Spend

SAP Concur first, Navan an alternative

1 of 14 modelsNavan was named in the answer but not as the choice, or not at all.
MiniMax M2.5Expensify, Rippling Spend, SAP Concur alternatives: Airwallex, BILL Spend & Expense, Navan, Paylocity, Ramp

Neither was the first choice, one was named

6 of 14 modelsThe answer put something else first and named one of the two as an alternative.
Claude Haiku 4.5Ramp, Spendesk alternatives: Airbase, BILL Spend & Expense, Brex, Navan
GPT-5.4 miniRippling Spend alternatives: Brex, Navan, Payhawk, Ramp, SAP Concur
Gemini 3.5 FlashRamp alternatives: Airbase, Brex, Navan, Rippling Spend
Perplexity SonarPayhawk alternatives: BILL Spend & Expense, Expensify, Procurify, SAP Concur
GLM 4.7 FlashXAirbase, Ramp alternatives: Expensify, Rippling Spend, SAP Concur, Zoho Expense
GPT-6 LunaRamp alternatives: Brex, Navan, SAP Concur

Neither was named

5 of 14 modelsThe answer made no first choice from these two in this category.
Mistral SmallAirbase alternatives: BILL Spend & Expense, Eco, Ramp
DeepSeek V4 FlashAirbase, Ramp alternatives: Brex, Payhawk
Llama 4 Maverickno first choice
Qwen 3.7 FlashBrex, Ramp alternatives: BILL Spend & Expense, Expensify, Rydoo
Kimi K2Expensify, Ramp alternatives: Brex, Emburse

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Level: the same share of first choices.
Navan0%#– of 8
SAP Concur0%#8 of 8
The full small business standing →
Mid-marketThe figures above
Level: the same share of first choices.
Navan4%#6 of 11
SAP Concur4%#8 of 11
The full mid-market standing →
Enterprise
SAP Concur leads by sixty-eight points.
SAP Concur68%#1 of 10
Navan0%#6 of 10
The full enterprise standing →

What the models said about Navan

No label in this category carried a quote.

What the models said about SAP Concur

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of three in this category shown.

“Cautions: Slow OCR, rigid workflows, and approver experience issues are common in larger enterprise rollouts.” Muse Glimmer 30B · negative prompt · hard negative
“SAP Concur - has an outdated and unintuitive user interface, complex and time-consuming expense submission.” Llama 4 Maverick · negative prompt · hard negative
“Choose SAP Concur / Navan for large, international B2B with travel + expense integration and strict compliance.” Muse Glimmer 30B · direct prompt · first choice
Also compared

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.