WallStSmart

Mitek Systems, Inc. (MITK)vsServiceNow Inc (NOW)

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Smart Verdict

WallStSmart Research — data-driven comparison

ServiceNow Inc generates 7344% more annual revenue ($14.73B vs $197.90M). MITK leads profitability with a 11.4% profit margin vs 11.3%. NOW appears more attractively valued with a PEG of 1.01. MITK earns a higher WallStSmart Score of 62/100 (C+).

MITK

Buy

62

out of 100

Grade: C+

Growth: 8.0Profit: 6.5Value: 6.7Quality: 6.5
Piotroski: 3/9Altman Z: 1.23

NOW

Hold

47

out of 100

Grade: D+

Growth: 6.7Profit: 5.5Value: 6.0Quality: 4.0
Piotroski: 1/9Altman Z: 1.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MITKUndervalued (+74.6%)

Margin of Safety

+74.6%

Fair Value

$43.86

Current Price

$16.88

$26.98 discount

UndervaluedFair: $43.86Overvalued
NOWUndervalued (+77.4%)

Margin of Safety

+77.4%

Fair Value

$619.62

Current Price

$148.62

$471.00 discount

UndervaluedFair: $619.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MITK4 strengths · Avg: 8.8/10
EPS GrowthGrowth
240.0%10/10

Earnings expanding 240.0% YoY

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

Operating MarginProfitability
21.4%8/10

Strong operational efficiency at 21.4%

Revenue GrowthGrowth
18.2%8/10

18.2% revenue growth

NOW2 strengths · Avg: 8.5/10
Market CapQuality
$142.64B9/10

Large-cap with strong market position

Revenue GrowthGrowth
24.0%8/10

Revenue surging 24.0% year-over-year

Areas to Watch

MITK4 concerns · Avg: 3.0/10
P/E RatioValuation
37.7x4/10

Premium valuation, high expectations priced in

Market CapQuality
$798.67M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

NOW4 concerns · Avg: 3.5/10
Price/BookValuation
12.3x4/10

Trading at 12.3x book value

Altman Z-ScoreHealth
1.654/10

Distress zone — elevated risk

Operating MarginProfitability
4.1%3/10

Operating margin of 4.1%

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : MITK

The strongest argument for MITK centers on EPS Growth, Debt/Equity, Operating Margin. Revenue growth of 18.2% demonstrates continued momentum. PEG of 1.28 suggests the stock is reasonably priced for its growth.

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 : MITK

The primary concerns for MITK are P/E Ratio, Market Cap, Piotroski F-Score.

Bear Case : NOW

The primary concerns for NOW are Price/Book, Altman Z-Score, Operating Margin. A P/E of 86.2x leaves little room for execution misses.

Key Dynamics to Monitor

NOW carries more volatility with a beta of 0.99 — 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.

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

Bottom Line

MITK scores higher overall (62/100 vs 47/100) and 18.2% revenue growth. NOW offers better value entry with a 77.4% 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.

Mitek Systems, Inc.

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Mitek Systems, Inc. develops, markets, and sells mobile imaging and digital identity verification solutions in the United States, Europe, Latin America, and internationally. The company is headquartered in San Diego, California.

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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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