WallStSmart

Intuit Inc (INTU)vsZenvia Inc (ZENV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Intuit Inc generates 1733% more annual revenue ($20.12B vs $1.10B). INTU leads profitability with a 21.6% profit margin vs -11.0%. INTU earns a higher WallStSmart Score of 65/100 (C+).

INTU

Buy

65

out of 100

Grade: C+

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

ZENV

Hold

39

out of 100

Grade: F

Growth: 6.7Profit: 2.0Value: 6.7Quality: 5.0
Piotroski: 4/9Altman Z: 0.29
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INTUSignificantly Overvalued (-308.7%)

Margin of Safety

-308.7%

Fair Value

$104.45

Current Price

$426.86

$322.41 premium

UndervaluedFair: $104.45Overvalued
ZENVUndervalued (+100.0%)

Margin of Safety

+100.0%

Fair Value

$1892.17

Current Price

$0.47

$1891.70 discount

UndervaluedFair: $1892.17Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

ZENV3 strengths · Avg: 9.0/10
Price/BookValuation
0.0x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
23.6%8/10

Revenue surging 23.6% year-over-year

Areas to Watch

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

Moderate valuation

EPS GrowthGrowth
-18.5%2/10

Earnings declined 18.5%

ZENV4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$70.69M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-15.5%2/10

ROE of -15.5% — below average capital efficiency

Free Cash FlowQuality
$-33.04M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : ZENV

The strongest argument for ZENV centers on Price/Book, Debt/Equity, Revenue Growth. Revenue growth of 23.6% demonstrates continued momentum.

Bear Case : INTU

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

Bear Case : ZENV

The primary concerns for ZENV are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

ZENV carries more volatility with a beta of 1.75 — 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.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

INTU scores higher overall (65/100 vs 39/100), backed by strong 21.6% margins and 41.0% revenue growth. ZENV offers better value entry with a 100.0% 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.

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.

Zenvia Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Zenvia Inc (ZENV) is a leading technology company focused on transforming customer engagement through its advanced cloud-based communication platform. By offering a multi-channel solution that integrates SMS, voice, email, and social media, Zenvia enables businesses to enhance customer interactions and drive satisfaction. With a keen focus on digital transformation, the company is well-positioned to capitalize on the growing demand for innovative communication solutions, especially within the dynamic Latin American market. Zenvia's commitment to delivering state-of-the-art customer engagement tools places it at the forefront of the evolving digital communication landscape, making it a compelling prospect for institutional investors.

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