Finance AI Index
Index Spend and procurement Expense management › Navan vs SAP Concur
Expense management · September 2026 Edition

Navan vs SAP Concur

Two of twelve models named Navan first on the direct prompt; zero named SAP Concur. Navan was named by eleven of the twelve models and SAP Concur by twelve and Navan carries 29 labels and SAP Concur 40, so the shares are not directly comparable.

Navan

accepted challenger

Named in four categories this edition.

SAP Concur

criticized challenger

Named in seven categories this edition.

First-choice share4%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate0%32%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#7#8A position in a field of 11; printed, not drawn.
Labels2940A 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 nine of the twelve 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 twelve 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 twelve models made each the first choice, per way of asking, and how many argued against it.
NavanFirst choices, of twelve modelsSAP Concur
Direct201 against SAP Concur
Paraphrase012 against SAP Concur
Comparative11
Budget-constrained002 against SAP Concur
Scale-constrained002 against SAP Concur
Negative006 against SAP Concur
Bars are first choices, 0 to 12 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to twelve.

Across every category in the September 2026 Edition, Navan and SAP Concur were named in the same answer 198 times, of the 286 answers naming Navan and the 385 naming SAP Concur. In those answers SAP Concur took the first choice forty times and Navan forty-six.

Every model, every framing

The seventy-two 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
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.

Navan first, SAP Concur an alternative

2 of 12 modelsSAP Concur was named in the answer but not as the choice, or not at all.
Claude Haiku 4.5Navan alternatives: Ramp, SAP Concur
Kimi K2Navan, Ramp alternatives: Expensify, Rippling Spend

Neither was the first choice, one was named

8 of 12 modelsThe answer put something else first and named one of the two as an alternative.
GPT-5.4 miniRippling Spend alternatives: Navan, SAP Concur
Gemini 3.5 FlashRamp alternatives: Airbase, Brex, Navan, Rippling Spend
Perplexity SonarRamp alternatives: Airbase, Expensify, Navan, SAP Concur, Spendesk
Grok 4.1 FastRamp alternatives: Navan, SAP Concur
DeepSeek V4 FlashRamp alternatives: Airwallex, Brex, Navan, SAP Concur
Qwen 3.7 FlashRamp alternatives: Navan, SAP Concur, Spendesk
GLM 4.7 FlashXRamp alternatives: Expensify, Navan, Paylocity, SAP Concur
MiniMax M2.5Rippling Spend alternatives: Airbase, Emburse, Navan, SAP Concur

Neither was named

2 of 12 modelsThe answer made no first choice from these two in this category.
Mistral SmallSpendesk alternatives: Emburse, Procurify, Ramp
Llama 4 Maverickno first choice

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 7
SAP Concur0%#7 of 7
The full small business standing →
Mid-marketThe figures above
Navan leads by two points.
Navan4%#7 of 11
SAP Concur2%#8 of 11
The full mid-market standing →
Enterprise
The order flips: SAP Concur leads at enterprise.
SAP Concur66%#1 of 9
Navan3%#6 of 9
The full enterprise standing →

What the models said about Navan

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

“Navan consistently ranks as the top all-in-one travel and expense platform, with leading scores for overall satisfaction, ease of use” Claude Haiku 4.5 · direct prompt · first choice

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.

“The most frequently criticized option among users, with consistent themes across G2 and Trustpilot” DeepSeek V4 Flash · negative prompt · hard negative
“Spendesk, Expensify, SAP Concur, or Rippling Spend are often cited as top recommendations” Mistral Small · paraphrase prompt · first choice
“SAP Concur and Navan lead for large enterprises” GLM 4.7 FlashX · comparative 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.