Expensify Inc (EXFY)vsServiceNow Inc (NOW)
EXFY
Expensify Inc
$2.43
-2.41%
TECHNOLOGY · Cap: $209.73M
NOW
ServiceNow Inc
$150.13
-26.95%
TECHNOLOGY · Cap: $146.78B
Smart Verdict
WallStSmart Research — data-driven comparison
ServiceNow Inc generates 10568% more annual revenue ($14.73B vs $138.10M). NOW leads profitability with a 11.3% profit margin vs -11.3%. NOW earns a higher WallStSmart Score of 47/100 (D+).
EXFY
Hold37
out of 100
Grade: F
NOW
Hold47
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.2%
Fair Value
$3.99
Current Price
$2.43
$1.56 discount
Margin of Safety
+74.4%
Fair Value
$617.23
Current Price
$150.13
$467.10 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 2755.0% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Large-cap with strong market position
Revenue surging 24.0% year-over-year
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
ROE of -15.0% — below average capital efficiency
Revenue declined 5.3%
Trading at 12.4x book value
Distress zone — elevated risk
Operating margin of 4.1%
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : EXFY
The strongest argument for EXFY centers on EPS Growth, Debt/Equity, Price/Book.
Bull Case : NOW
The strongest argument for NOW centers on Market Cap, Revenue Growth. Revenue growth of 24.0% demonstrates continued momentum. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : EXFY
The primary concerns for EXFY are Market Cap, Piotroski F-Score, Return on Equity.
Bear Case : NOW
The primary concerns for NOW are Price/Book, Altman Z-Score, Operating Margin. A P/E of 88.7x leaves little room for execution misses.
Key Dynamics to Monitor
EXFY profiles as a turnaround stock while NOW is a growth play — different risk/reward profiles.
EXFY carries more volatility with a beta of 1.74 — expect wider price swings.
NOW is growing revenue faster at 24.0% — sustainability is the question.
NOW generates stronger free cash flow (473M), providing more financial flexibility.
Bottom Line
NOW scores higher overall (47/100 vs 37/100) and 24.0% revenue growth. EXFY offers better value entry with a 68.2% margin of safety. Both earn "Hold" 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.
Expensify Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Expensify, Inc. provides a cloud-based expense management software platform for individuals, small businesses, and corporations in the United States and internationally. The company is headquartered in Portland, Oregon.
ServiceNow Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
ServiceNow is an American software company based in Santa Clara, California that develops a cloud computing platform to help companies manage digital workflows for enterprise operations.
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