WallStSmart

AMTD Digital Inc. (HKD)vsIntuit Inc (INTU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Intuit Inc generates 14684% more annual revenue ($20.12B vs $136.10M). HKD leads profitability with a 40.2% profit margin vs 21.6%. HKD trades at a lower P/E of 8.4x. HKD earns a higher WallStSmart Score of 73/100 (B).

HKD

Strong Buy

73

out of 100

Grade: B

Growth: 5.3Profit: 9.0Value: 8.3Quality: 2.5
Piotroski: 1/9Altman Z: 1.04

INTU

Buy

65

out of 100

Grade: C+

Growth: 6.7Profit: 8.0Value: 7.3Quality: 6.3
Piotroski: 6/9Altman Z: 2.52
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HKDUndervalued (+82.2%)

Margin of Safety

+82.2%

Fair Value

$8.42

Current Price

$1.52

$6.90 discount

UndervaluedFair: $8.42Overvalued
INTUSignificantly Overvalued (-308.7%)

Margin of Safety

-308.7%

Fair Value

$104.45

Current Price

$426.86

$322.41 premium

UndervaluedFair: $104.45Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HKD6 strengths · Avg: 9.5/10
P/E RatioValuation
8.4x10/10

Attractively priced relative to earnings

Profit MarginProfitability
40.2%10/10

Keeps 40 of every $100 in revenue as profit

Operating MarginProfitability
60.5%10/10

Strong operational efficiency at 60.5%

EPS GrowthGrowth
81.0%10/10

Earnings expanding 81.0% YoY

Return on EquityProfitability
25.4%9/10

Every $100 of equity generates 25 in profit

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

INTU5 strengths · Avg: 9.0/10
Revenue GrowthGrowth
41.0%10/10

Revenue surging 41.0% year-over-year

Market CapQuality
$120.34B9/10

Large-cap with strong market position

Return on EquityProfitability
23.5%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
21.6%9/10

Keeps 22 of every $100 in revenue as profit

Free Cash FlowQuality
$1.52B8/10

Generating 1.5B in free cash flow

Areas to Watch

HKD4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.4%4/10

3.4% revenue growth

Market CapQuality
$477.70M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Altman Z-ScoreHealth
1.042/10

Distress zone — elevated risk

INTU2 concerns · Avg: 3.0/10
P/E RatioValuation
28.1x4/10

Moderate valuation

EPS GrowthGrowth
-18.5%2/10

Earnings declined 18.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : HKD

The strongest argument for HKD centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 40.2% and operating margin at 60.5%.

Bull Case : INTU

The strongest argument for INTU centers on Revenue Growth, Market Cap, Return on Equity. Profitability is solid with margins at 21.6% and operating margin at 15.7%. Revenue growth of 41.0% demonstrates continued momentum.

Bear Case : HKD

The primary concerns for HKD are Revenue Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 14.09 is elevated, increasing financial risk.

Bear Case : INTU

The primary concerns for INTU are P/E Ratio, EPS Growth.

Key Dynamics to Monitor

HKD profiles as a value stock while INTU is a growth play — different risk/reward profiles.

HKD carries more volatility with a beta of 2.09 — expect wider price swings.

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

INTU generates stronger free cash flow (1.5B), providing more financial flexibility.

Bottom Line

HKD scores higher overall (73/100 vs 65/100), backed by strong 40.2% margins. Both earn "Strong 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.

AMTD Digital Inc.

TECHNOLOGY · SOFTWARE - APPLICATION · USA

AMTD Digital Inc. designs and develops a digital platform to provide financial, media, content and marketing, and investment solutions.

Intuit Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Intuit Inc. is an American business that specializes in financial software. Intuit's products include the tax preparation application TurboTax, personal finance app Mint and the small business accounting program QuickBooks.

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