WallStSmart

Clearwater Analytics Holdings Inc (CWAN)vsUber Technologies Inc (UBER)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 6402% more annual revenue ($53.69B vs $825.73M). UBER leads profitability with a 15.9% profit margin vs -5.8%. UBER appears more attractively valued with a PEG of 5.98. UBER earns a higher WallStSmart Score of 54/100 (C-).

CWAN

Hold

43

out of 100

Grade: D

Growth: 10.0Profit: 2.5Value: 3.0Quality: 6.0
Piotroski: 1/9Altman Z: 1.63

UBER

Buy

54

out of 100

Grade: C-

Growth: 5.3Profit: 7.5Value: 5.3Quality: 5.0
Piotroski: 4/9Altman Z: 1.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CWANSignificantly Overvalued (-16.1%)

Margin of Safety

-16.1%

Fair Value

$20.33

Current Price

$24.37

$4.04 premium

UndervaluedFair: $20.33Overvalued
UBERUndervalued (+3.8%)

Margin of Safety

+3.8%

Fair Value

$71.28

Current Price

$72.21

$0.93 discount

UndervaluedFair: $71.28Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CWAN2 strengths · Avg: 10.0/10
Revenue GrowthGrowth
74.4%10/10

Revenue surging 74.4% year-over-year

EPS GrowthGrowth
202.8%10/10

Earnings expanding 202.8% YoY

UBER4 strengths · Avg: 8.8/10
Return on EquityProfitability
34.5%10/10

Every $100 of equity generates 35 in profit

Market CapQuality
$145.79B9/10

Large-cap with strong market position

P/E RatioValuation
17.8x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.29B8/10

Generating 2.3B in free cash flow

Areas to Watch

CWAN4 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.634/10

Distress zone — elevated risk

Operating MarginProfitability
4.1%3/10

Operating margin of 4.1%

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
10.372/10

Expensive relative to growth rate

UBER3 concerns · Avg: 2.0/10
PEG RatioValuation
5.982/10

Expensive relative to growth rate

EPS GrowthGrowth
-84.6%2/10

Earnings declined 84.6%

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CWAN

The strongest argument for CWAN centers on Revenue Growth, EPS Growth. Revenue growth of 74.4% demonstrates continued momentum.

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 15.9% and operating margin at 14.6%. Revenue growth of 14.5% demonstrates continued momentum.

Bear Case : CWAN

The primary concerns for CWAN are Altman Z-Score, Operating Margin, Piotroski F-Score.

Bear Case : UBER

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

Key Dynamics to Monitor

CWAN profiles as a hypergrowth stock while UBER is a mature play — different risk/reward profiles.

UBER carries more volatility with a beta of 1.16 — expect wider price swings.

CWAN is growing revenue faster at 74.4% — sustainability is the question.

UBER generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

UBER scores higher overall (54/100 vs 43/100), backed by strong 15.9% margins and 14.5% 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.

Clearwater Analytics Holdings Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Clearwater Analytics Holdings Inc. (CWAN) is a leading provider of innovative, cloud-based investment accounting and analytics solutions designed for investment firms, insurance companies, and multinational corporations. Its advanced platform enhances portfolio management and reporting capabilities, enabling clients to make informed strategic investment decisions while maintaining operational efficiency and regulatory compliance. Positioned at the forefront of the rapidly evolving financial technology sector, Clearwater is well-equipped to capitalize on the growing demand for comprehensive investment solutions, driving sustained growth and ongoing innovation within the financial services industry.

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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