Automatic Data Processing Inc (ADP)vsBill Com Holdings Inc (BILL)
ADP
Automatic Data Processing Inc
$286.08
+0.25%
TECHNOLOGY · Cap: $113.74B
BILL
Bill Com Holdings Inc
$48.02
-2.81%
TECHNOLOGY · Cap: $4.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Automatic Data Processing Inc generates 1228% more annual revenue ($21.95B vs $1.65B). ADP leads profitability with a 20.1% profit margin vs -0.7%. BILL appears more attractively valued with a PEG of 0.45. ADP earns a higher WallStSmart Score of 62/100 (C+).
ADP
Buy62
out of 100
Grade: C+
BILL
Buy50
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-84.1%
Fair Value
$165.18
Current Price
$286.08
$120.90 premium
Margin of Safety
+79.7%
Fair Value
$231.13
Current Price
$48.02
$183.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 73 in profit
Large-cap with strong market position
Keeps 20 of every $100 in revenue as profit
Strong operational efficiency at 23.5%
Generating 1.4B in free cash flow
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 18.9x book value
Weak financial health signals
0.0% earnings growth
ROE of 0.0% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ADP
The strongest argument for ADP centers on Return on Equity, Market Cap, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 23.5%.
Bull Case : BILL
The strongest argument for BILL centers on PEG Ratio, Price/Book. Revenue growth of 13.8% demonstrates continued momentum. PEG of 0.45 suggests the stock is reasonably priced for its growth.
Bear Case : ADP
The primary concerns for ADP are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : BILL
The primary concerns for BILL are EPS Growth, Return on Equity, Piotroski F-Score.
Key Dynamics to Monitor
ADP profiles as a mature stock while BILL is a turnaround play — different risk/reward profiles.
BILL carries more volatility with a beta of 1.14 — expect wider price swings.
BILL is growing revenue faster at 13.8% — sustainability is the question.
ADP generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
ADP scores higher overall (62/100 vs 50/100), backed by strong 20.1% margins. BILL offers better value entry with a 79.7% 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.
Automatic Data Processing Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Automatic Data Processing, Inc. (ADP) is an American provider of human resources management software and services.
Bill Com Holdings Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Bill.com Holdings, Inc. provides cloud-based software that digitizes and automates financial back-office operations for small and medium-sized businesses globally. The company is headquartered in Palo Alto, California.
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