WallStSmart

Bill Com Holdings Inc (BILL)vsUber Technologies Inc (UBER)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 3252% more annual revenue ($52.02B vs $1.55B). UBER leads profitability with a 19.3% profit margin vs -1.6%. BILL appears more attractively valued with a PEG of 0.55. UBER earns a higher WallStSmart Score of 56/100 (C).

BILL

Hold

48

out of 100

Grade: D+

Growth: 6.7Profit: 2.0Value: 6.7Quality: 4.8
Piotroski: 5/9Altman Z: 0.65

UBER

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 7.5Value: 4.7Quality: 6.0
Piotroski: 4/9Altman Z: 1.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for BILL.

UBERSignificantly Overvalued (-122.0%)

Margin of Safety

-122.0%

Fair Value

$32.16

Current Price

$73.08

$40.92 premium

UndervaluedFair: $32.16Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BILL2 strengths · Avg: 9.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.558/10

Growing faster than its price suggests

UBER5 strengths · Avg: 8.6/10
Return on EquityProfitability
39.9%10/10

Every $100 of equity generates 40 in profit

Market CapQuality
$150.31B9/10

Large-cap with strong market position

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
20.1%8/10

Revenue surging 20.1% year-over-year

Free Cash FlowQuality
$2.81B8/10

Generating 2.8B in free cash flow

Areas to Watch

BILL4 concerns · Avg: 2.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
-0.6%2/10

ROE of -0.6% — below average capital efficiency

Altman Z-ScoreHealth
0.652/10

Distress zone — elevated risk

Profit MarginProfitability
-1.6%1/10

Currently unprofitable

UBER3 concerns · Avg: 2.0/10
PEG RatioValuation
4.512/10

Expensive relative to growth rate

EPS GrowthGrowth
-95.6%2/10

Earnings declined 95.6%

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BILL

The strongest argument for BILL centers on Price/Book, PEG Ratio. Revenue growth of 14.4% demonstrates continued momentum. PEG of 0.55 suggests the stock is reasonably priced for its growth.

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 19.3% and operating margin at 12.3%. Revenue growth of 20.1% demonstrates continued momentum.

Bear Case : BILL

The primary concerns for BILL are EPS Growth, Return on Equity, Altman Z-Score.

Bear Case : UBER

The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

BILL profiles as a turnaround stock while UBER is a growth play — different risk/reward profiles.

BILL carries more volatility with a beta of 1.30 — expect wider price swings.

UBER is growing revenue faster at 20.1% — sustainability is the question.

UBER generates stronger free cash flow (2.8B), providing more financial flexibility.

Bottom Line

UBER scores higher overall (56/100 vs 48/100), backed by strong 19.3% margins and 20.1% revenue growth. Both earn "Buy" and "Hold" 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.

Uber Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.

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