WallStSmart

Evertec Inc (EVTC)vsPalo Alto Networks Inc (PANW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 1052% more annual revenue ($11.48B vs $996.16M). EVTC leads profitability with a 9.8% profit margin vs 2.7%. PANW appears more attractively valued with a PEG of 1.73. EVTC earns a higher WallStSmart Score of 54/100 (C-).

EVTC

Buy

54

out of 100

Grade: C-

Growth: 6.0Profit: 7.0Value: 6.7Quality: 5.0
Piotroski: 4/9Altman Z: 1.62

PANW

Buy

51

out of 100

Grade: C-

Growth: 9.3Profit: 4.5Value: 5.3Quality: 4.8
Piotroski: 1/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EVTCUndervalued (+45.6%)

Margin of Safety

+45.6%

Fair Value

$48.28

Current Price

$29.27

$19.01 discount

UndervaluedFair: $48.28Overvalued
PANWUndervalued (+34.1%)

Margin of Safety

+34.1%

Fair Value

$501.81

Current Price

$330.65

$171.16 discount

UndervaluedFair: $501.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EVTC2 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
19.7%8/10

19.7% revenue growth

PANW4 strengths · Avg: 10.0/10
Market CapQuality
$270.47B10/10

Mega-cap, among the largest globally

Revenue GrowthGrowth
34.4%10/10

Revenue surging 34.4% year-over-year

EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

Areas to Watch

EVTC4 concerns · Avg: 3.3/10
PEG RatioValuation
2.144/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.624/10

Distress zone — elevated risk

Market CapQuality
$1.74B3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-85.7%2/10

Earnings declined 85.7%

PANW4 concerns · Avg: 3.5/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Price/BookValuation
9.8x4/10

Trading at 9.8x book value

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : EVTC

The strongest argument for EVTC centers on Price/Book, Revenue Growth. Revenue growth of 19.7% demonstrates continued momentum.

Bull Case : PANW

The strongest argument for PANW centers on Market Cap, Revenue Growth, EPS Growth. Revenue growth of 34.4% demonstrates continued momentum.

Bear Case : EVTC

The primary concerns for EVTC are PEG Ratio, Altman Z-Score, Market Cap. Debt-to-equity of 2.06 is elevated, increasing financial risk.

Bear Case : PANW

The primary concerns for PANW are PEG Ratio, Price/Book, Return on Equity. A P/E of 295.2x leaves little room for execution misses. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

EVTC profiles as a growth stock while PANW is a hypergrowth play — different risk/reward profiles.

PANW carries more volatility with a beta of 0.91 — expect wider price swings.

PANW is growing revenue faster at 34.4% — sustainability is the question.

PANW generates stronger free cash flow (788M), providing more financial flexibility.

Bottom Line

EVTC scores higher overall (54/100 vs 51/100) and 19.7% revenue growth. PANW offers better value entry with a 34.1% 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.

Evertec Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

EVERTEC, Inc. participates in the transaction processing business in Latin America and the Caribbean. The company is headquartered in San Juan, Puerto Rico.

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Palo Alto Networks Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palo Alto Networks, Inc. provides cybersecurity platform solutions globally. The company is headquartered in Santa Clara, California.

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