WallStSmart

Crowdstrike Holdings Inc (CRWD)vsPicpay Holdings Netherlands N.V. Class A Common Shares (PICS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Picpay Holdings Netherlands N.V. Class A Common Shares generates 130% more annual revenue ($11.73B vs $5.09B). PICS leads profitability with a 10.0% profit margin vs -0.6%. PICS earns a higher WallStSmart Score of 65/100 (C+).

CRWD

Hold

39

out of 100

Grade: F

Growth: 9.3Profit: 2.0Value: 3.0Quality: 6.0
Piotroski: 2/9Altman Z: 1.00

PICS

Buy

65

out of 100

Grade: C+

Growth: 7.3Profit: 8.0Value: 6.7Quality: 6.5
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRWDSignificantly Overvalued (-82.3%)

Margin of Safety

-82.3%

Fair Value

$99.74

Current Price

$185.22

$85.48 premium

UndervaluedFair: $99.74Overvalued

Intrinsic value data unavailable for PICS.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRWD4 strengths · Avg: 9.0/10
EPS GrowthGrowth
533.0%10/10

Earnings expanding 533.0% YoY

Market CapQuality
$191.86B9/10

Large-cap with strong market position

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
25.6%8/10

Revenue surging 25.6% year-over-year

PICS6 strengths · Avg: 9.8/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Return on EquityProfitability
40.4%10/10

Every $100 of equity generates 40 in profit

Operating MarginProfitability
41.7%10/10

Strong operational efficiency at 41.7%

Revenue GrowthGrowth
70.2%10/10

Revenue surging 70.2% year-over-year

Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

Areas to Watch

CRWD4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
6.222/10

Expensive relative to growth rate

Price/BookValuation
40.7x2/10

Trading at 40.7x book value

Return on EquityProfitability
-0.5%2/10

ROE of -0.5% — below average capital efficiency

PICS3 concerns · Avg: 2.3/10
Market CapQuality
$1.61B3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-99.7%2/10

Earnings declined 99.7%

Free Cash FlowQuality
$-423.66M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CRWD

The strongest argument for CRWD centers on EPS Growth, Market Cap, Debt/Equity. Revenue growth of 25.6% demonstrates continued momentum.

Bull Case : PICS

The strongest argument for PICS centers on P/E Ratio, Price/Book, Return on Equity. Revenue growth of 70.2% demonstrates continued momentum.

Bear Case : CRWD

The primary concerns for CRWD are Piotroski F-Score, PEG Ratio, Price/Book.

Bear Case : PICS

The primary concerns for PICS are Market Cap, EPS Growth, Free Cash Flow.

Key Dynamics to Monitor

CRWD profiles as a growth stock while PICS is a hypergrowth play — different risk/reward profiles.

PICS is growing revenue faster at 70.2% — sustainability is the question.

CRWD generates stronger free cash flow (493M), providing more financial flexibility.

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

Bottom Line

PICS scores higher overall (65/100 vs 39/100) and 70.2% 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.

Crowdstrike Holdings Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

CrowdStrike Holdings, Inc. provides cloud solutions for endpoint and cloud workload protection in the United States, Australia, Germany, India, Israel, Romania, and the United Kingdom. The company is headquartered in Sunnyvale, California.

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Picpay Holdings Netherlands N.V. Class A Common Shares

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Picpay Holdings Netherlands N.V. (PICS) is a revolutionary force in Brazil's digital payments landscape, offering a robust platform that encompasses digital wallets, peer-to-peer transactions, and diverse financial services. By seamlessly blending innovative technology with social networking elements, Picpay enhances user experience and promotes widespread adoption among consumers and businesses. As a key player in the rapidly evolving fintech sector of Latin America, the company is dedicated to elevating financial inclusion and maximizing user engagement, making it an attractive proposition for institutional investors aiming to capitalize on emerging market trends in financial technology.

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