WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 962% more annual revenue ($9.89B vs $931.82M). EVTC leads profitability with a 15.2% profit margin vs 13.0%. EVTC appears more attractively valued with a PEG of 2.14. EVTC earns a higher WallStSmart Score of 62/100 (C+).

EVTC

Buy

62

out of 100

Grade: C+

Growth: 5.3Profit: 7.5Value: 7.3Quality: 8.0
Piotroski: 6/9Altman Z: 1.74

PANW

Buy

58

out of 100

Grade: C

Growth: 8.0Profit: 7.0Value: 2.0Quality: 5.0
Piotroski: 1/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EVTCSignificantly Overvalued (-75.4%)

Margin of Safety

-75.4%

Fair Value

$14.96

Current Price

$27.88

$12.92 premium

UndervaluedFair: $14.96Overvalued
PANWSignificantly Overvalued (-81.9%)

Margin of Safety

-81.9%

Fair Value

$84.24

Current Price

$153.22

$68.98 premium

UndervaluedFair: $84.24Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EVTC3 strengths · Avg: 8.3/10
Return on EquityProfitability
23.4%9/10

Every $100 of equity generates 23 in profit

P/E RatioValuation
12.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

PANW3 strengths · Avg: 9.7/10
EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Market CapQuality
$128.28B9/10

Large-cap with strong market position

Areas to Watch

EVTC4 concerns · Avg: 3.5/10
PEG RatioValuation
2.144/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.744/10

Distress zone — elevated risk

Market CapQuality
$1.78B3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.643/10

Elevated debt levels

PANW4 concerns · Avg: 2.8/10
Price/BookValuation
11.5x4/10

Trading at 11.5x book value

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
2.962/10

Expensive relative to growth rate

P/E RatioValuation
87.3x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : EVTC

The strongest argument for EVTC centers on Return on Equity, P/E Ratio, Price/Book. Profitability is solid with margins at 15.2% and operating margin at 17.6%. Revenue growth of 13.1% demonstrates continued momentum.

Bull Case : PANW

The strongest argument for PANW centers on EPS Growth, Debt/Equity, Market Cap. Revenue growth of 14.9% demonstrates continued momentum.

Bear Case : EVTC

The primary concerns for EVTC are PEG Ratio, Altman Z-Score, Market Cap. Debt-to-equity of 1.64 is elevated, increasing financial risk.

Bear Case : PANW

The primary concerns for PANW are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 87.3x leaves little room for execution misses.

Key Dynamics to Monitor

EVTC profiles as a mature stock while PANW is a value play — different risk/reward profiles.

EVTC carries more volatility with a beta of 0.87 — expect wider price swings.

PANW is growing revenue faster at 14.9% — sustainability is the question.

PANW generates stronger free cash flow (470M), providing more financial flexibility.

Bottom Line

EVTC scores higher overall (62/100 vs 58/100), backed by strong 15.2% margins and 13.1% revenue growth. 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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