WallStSmart

Bill Com Holdings Inc (BILL)vsNVIDIA Corporation (NVDA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NVIDIA Corporation generates 15740% more annual revenue ($253.49B vs $1.60B). NVDA leads profitability with a 0.6% profit margin vs 0.0%. BILL appears more attractively valued with a PEG of 0.44. NVDA earns a higher WallStSmart Score of 80/100 (A-).

BILL

Buy

52

out of 100

Grade: C-

Growth: 6.7Profit: 3.5Value: 8.3Quality: 5.5
Piotroski: 5/9Altman Z: 0.65

NVDA

Exceptional Buy

80

out of 100

Grade: A-

Growth: 6.0Profit: 5.5Value: 4.7Quality: 8.5
Piotroski: 3/9Altman Z: 6.75
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BILLUndervalued (+80.1%)

Margin of Safety

+80.1%

Fair Value

$235.76

Current Price

$47.41

$188.35 discount

UndervaluedFair: $235.76Overvalued
NVDASignificantly Overvalued (-65.1%)

Margin of Safety

-65.1%

Fair Value

$119.30

Current Price

$195.04

$75.74 premium

UndervaluedFair: $119.30Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BILL2 strengths · Avg: 10.0/10
PEG RatioValuation
0.4410/10

Growing faster than its price suggests

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

NVDA6 strengths · Avg: 9.7/10
Market CapQuality
$5.01T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
81.7%10/10

Every $100 of equity generates 82 in profit

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Free Cash FlowQuality
$48.59B10/10

Generating 48.6B in free cash flow

Altman Z-ScoreHealth
6.7510/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.588/10

Growing faster than its price suggests

Areas to Watch

BILL4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
1.1%3/10

Operating margin of 1.1%

NVDA4 concerns · Avg: 3.8/10
P/E RatioValuation
32.0x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
0.9%4/10

0.9% revenue growth

EPS GrowthGrowth
2.1%4/10

2.1% earnings growth

Profit MarginProfitability
0.6%3/10

0.6% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull 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 : NVDA

The strongest argument for NVDA centers on Market Cap, Return on Equity, Debt/Equity. PEG of 0.58 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 : NVDA

The primary concerns for NVDA are P/E Ratio, Revenue Growth, EPS Growth. Thin 0.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

NVDA carries more volatility with a beta of 2.21 — expect wider price swings.

BILL is growing revenue faster at 13.5% — sustainability is the question.

NVDA generates stronger free cash flow (48.6B), providing more financial flexibility.

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

Bottom Line

NVDA scores higher overall (80/100 vs 52/100). BILL offers better value entry with a 80.1% margin of safety. Both earn "Exceptional 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.

NVIDIA Corporation

TECHNOLOGY · SEMICONDUCTORS · USA

Nvidia Corporation is an American multinational technology company incorporated in Delaware and based in Santa Clara, California. It designs graphics processing units (GPUs) for the gaming and professional markets, as well as system on a chip units (SoCs) for the mobile computing and automotive market.

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