Bill Com Holdings Inc (BILL)vsServiceNow Inc (NOW)
BILL
Bill Com Holdings Inc
$47.41
+2.26%
TECHNOLOGY · Cap: $4.50B
NOW
ServiceNow Inc
$115.76
-4.92%
TECHNOLOGY · Cap: $98.45B
Smart Verdict
WallStSmart Research — data-driven comparison
ServiceNow Inc generates 772% more annual revenue ($13.96B vs $1.60B). NOW leads profitability with a 12.6% profit margin vs 0.0%. BILL appears more attractively valued with a PEG of 0.44. NOW earns a higher WallStSmart Score of 59/100 (C).
BILL
Buy52
out of 100
Grade: C-
NOW
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.1%
Fair Value
$235.76
Current Price
$47.41
$188.35 discount
Margin of Safety
+80.8%
Fair Value
$602.92
Current Price
$115.76
$487.16 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Large-cap with strong market position
Growing faster than its price suggests
Revenue surging 22.1% year-over-year
Areas to Watch
0.0% earnings growth
ROE of 0.0% — below average capital efficiency
0.0% margin — thin
Operating margin of 1.1%
Trading at 10.2x book value
2.3% earnings growth
Distress zone — elevated risk
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : BILL
The strongest argument for BILL centers on PEG Ratio, Price/Book. Revenue growth of 13.5% demonstrates continued momentum. PEG of 0.44 suggests the stock is reasonably priced for its growth.
Bull Case : NOW
The strongest argument for NOW centers on Market Cap, PEG Ratio, Revenue Growth. Revenue growth of 22.1% demonstrates continued momentum. PEG of 0.89 suggests the stock is reasonably priced for its growth.
Bear Case : BILL
The primary concerns for BILL are EPS Growth, Return on Equity, Profit Margin. Thin 0.0% margins leave little buffer for downturns.
Bear Case : NOW
The primary concerns for NOW are Price/Book, EPS Growth, Altman Z-Score. A P/E of 60.4x leaves little room for execution misses.
Key Dynamics to Monitor
BILL profiles as a value stock while NOW is a growth play — different risk/reward profiles.
BILL carries more volatility with a beta of 1.18 — expect wider price swings.
NOW is growing revenue faster at 22.1% — sustainability is the question.
NOW generates stronger free cash flow (473M), providing more financial flexibility.
Bottom Line
NOW scores higher overall (59/100 vs 52/100) and 22.1% revenue growth. BILL offers better value entry with a 80.1% 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.
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.
ServiceNow Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
ServiceNow is an American software company based in Santa Clara, California that develops a cloud computing platform to help companies manage digital workflows for enterprise operations.
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