WallStSmart

ACI Worldwide Inc (ACIW)vsPalo Alto Networks Inc (PANW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 452% more annual revenue ($9.89B vs $1.79B). PANW leads profitability with a 13.0% profit margin vs 11.5%. ACIW appears more attractively valued with a PEG of 1.78. PANW earns a higher WallStSmart Score of 57/100 (C).

ACIW

Buy

50

out of 100

Grade: C-

Growth: 4.7Profit: 6.0Value: 6.7Quality: 6.5
Piotroski: 5/9Altman Z: 2.50

PANW

Buy

57

out of 100

Grade: C

Growth: 8.0Profit: 6.0Value: 4.7Quality: 4.5
Piotroski: 1/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ACIWUndervalued (+45.4%)

Margin of Safety

+45.4%

Fair Value

$73.85

Current Price

$42.80

$31.05 discount

UndervaluedFair: $73.85Overvalued
PANWUndervalued (+39.7%)

Margin of Safety

+39.7%

Fair Value

$441.96

Current Price

$272.05

$169.91 discount

UndervaluedFair: $441.96Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACIW1 strengths · Avg: 8.0/10
Price/BookValuation
2.9x8/10

Reasonable price relative to book value

PANW3 strengths · Avg: 10.0/10
Market CapQuality
$241.01B10/10

Mega-cap, among the largest globally

EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Areas to Watch

ACIW2 concerns · Avg: 3.0/10
PEG RatioValuation
1.784/10

Expensive relative to growth rate

EPS GrowthGrowth
-32.7%2/10

Earnings declined 32.7%

PANW4 concerns · Avg: 2.5/10
Return on EquityProfitability
3.0%3/10

ROE of 3.0% — below average capital efficiency

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
5.042/10

Expensive relative to growth rate

P/E RatioValuation
256.2x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : ACIW

The strongest argument for ACIW centers on Price/Book.

Bull Case : PANW

The strongest argument for PANW centers on Market Cap, EPS Growth, Debt/Equity. Revenue growth of 14.9% demonstrates continued momentum.

Bear Case : ACIW

The primary concerns for ACIW are PEG Ratio, EPS Growth.

Bear Case : PANW

The primary concerns for PANW are Return on Equity, Piotroski F-Score, PEG Ratio. A P/E of 256.2x leaves little room for execution misses.

Key Dynamics to Monitor

ACIW carries more volatility with a beta of 1.01 — expect wider price swings.

PANW is growing revenue faster at 14.9% — sustainability is the question.

PANW generates stronger free cash flow (788M), providing more financial flexibility.

Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PANW scores higher overall (57/100 vs 50/100) and 14.9% revenue growth. ACIW offers better value entry with a 45.4% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

ACI Worldwide Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

ACI Worldwide, Inc., a software company, develops, markets, installs and supports a variety of software products and solutions to facilitate electronic payments to banks, financial intermediaries, merchants and invoice issuers globally. The company is headquartered in Naples, Florida.

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Palo Alto Networks Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palo Alto Networks, Inc. provides cybersecurity platform solutions globally. The company is headquartered in Santa Clara, California.

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