WallStSmart

Flywire Corp (FLYW)vsPalo Alto Networks Inc (PANW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 1360% more annual revenue ($9.89B vs $677.68M). PANW leads profitability with a 13.0% profit margin vs 4.5%. FLYW trades at a lower P/E of 66.8x. PANW earns a higher WallStSmart Score of 57/100 (C).

FLYW

Hold

41

out of 100

Grade: D

Growth: 7.3Profit: 4.5Value: 5.7Quality: 7.0
Piotroski: 4/9Altman Z: 1.78

PANW

Buy

57

out of 100

Grade: C

Growth: 8.0Profit: 6.0Value: 4.7Quality: 4.5
Piotroski: 1/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FLYWUndervalued (+69.0%)

Margin of Safety

+69.0%

Fair Value

$35.93

Current Price

$14.40

$21.53 discount

UndervaluedFair: $35.93Overvalued
PANWUndervalued (+39.7%)

Margin of Safety

+39.7%

Fair Value

$441.96

Current Price

$272.05

$169.91 discount

UndervaluedFair: $441.96Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FLYW3 strengths · Avg: 9.3/10
Revenue GrowthGrowth
41.0%10/10

Revenue surging 41.0% year-over-year

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

PANW3 strengths · Avg: 10.0/10
Market CapQuality
$241.01B10/10

Mega-cap, among the largest globally

EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Areas to Watch

FLYW4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.784/10

Distress zone — elevated risk

Market CapQuality
$1.98B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
4.5%3/10

4.5% margin — thin

PANW4 concerns · Avg: 2.5/10
Return on EquityProfitability
3.0%3/10

ROE of 3.0% — below average capital efficiency

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
5.042/10

Expensive relative to growth rate

P/E RatioValuation
256.2x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : FLYW

The strongest argument for FLYW centers on Revenue Growth, Debt/Equity, Price/Book. Revenue growth of 41.0% demonstrates continued momentum.

Bull Case : PANW

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

Bear Case : FLYW

The primary concerns for FLYW are Altman Z-Score, Market Cap, Return on Equity. A P/E of 66.8x leaves little room for execution misses. Thin 4.5% margins leave little buffer for downturns.

Bear Case : PANW

The primary concerns for PANW are Return on Equity, Piotroski F-Score, PEG Ratio. A P/E of 256.2x leaves little room for execution misses.

Key Dynamics to Monitor

FLYW profiles as a hypergrowth stock while PANW is a value play — different risk/reward profiles.

FLYW carries more volatility with a beta of 1.30 — expect wider price swings.

FLYW is growing revenue faster at 41.0% — sustainability is the question.

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

Bottom Line

PANW scores higher overall (57/100 vs 41/100) and 14.9% revenue growth. FLYW offers better value entry with a 69.0% margin of safety. 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.

Flywire Corp

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Flywire Corporation is a payments enablement and software company in the United States and internationally. The company is headquartered in Boston, Massachusetts.

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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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