WallStSmart

3M Company (MMM)vsServiceNow Inc (NOW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

3M Company generates 79% more annual revenue ($25.02B vs $13.96B). NOW leads profitability with a 12.6% profit margin vs 11.1%. NOW appears more attractively valued with a PEG of 0.89. NOW earns a higher WallStSmart Score of 59/100 (C).

MMM

Buy

56

out of 100

Grade: C

Growth: 2.7Profit: 8.0Value: 4.7Quality: 5.5
Piotroski: 5/9Altman Z: 2.82

NOW

Buy

59

out of 100

Grade: C

Growth: 7.3Profit: 6.5Value: 6.7Quality: 3.8
Piotroski: 1/9Altman Z: 1.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MMMSignificantly Overvalued (-31.4%)

Margin of Safety

-31.4%

Fair Value

$131.53

Current Price

$143.29

$11.76 premium

UndervaluedFair: $131.53Overvalued
NOWUndervalued (+85.5%)

Margin of Safety

+85.5%

Fair Value

$628.08

Current Price

$91.18

$536.90 discount

UndervaluedFair: $628.08Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MMM3 strengths · Avg: 9.0/10
Return on EquityProfitability
71.5%10/10

Every $100 of equity generates 72 in profit

Market CapQuality
$74.98B9/10

Large-cap with strong market position

Operating MarginProfitability
23.3%8/10

Strong operational efficiency at 23.3%

NOW4 strengths · Avg: 8.3/10
Market CapQuality
$96.52B9/10

Large-cap with strong market position

PEG RatioValuation
0.898/10

Growing faster than its price suggests

Revenue GrowthGrowth
22.1%8/10

Revenue surging 22.1% year-over-year

Free Cash FlowQuality
$1.53B8/10

Generating 1.5B in free cash flow

Areas to Watch

MMM4 concerns · Avg: 3.0/10
P/E RatioValuation
27.7x4/10

Moderate valuation

Revenue GrowthGrowth
1.3%4/10

1.3% revenue growth

Price/BookValuation
22.9x2/10

Trading at 22.9x book value

EPS GrowthGrowth
-39.7%2/10

Earnings declined 39.7%

NOW4 concerns · Avg: 3.8/10
Price/BookValuation
8.0x4/10

Trading at 8.0x book value

EPS GrowthGrowth
2.3%4/10

2.3% earnings growth

Altman Z-ScoreHealth
1.654/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : MMM

The strongest argument for MMM centers on Return on Equity, Market Cap, Operating Margin.

Bull Case : NOW

The strongest argument for NOW centers on Market Cap, PEG Ratio, Revenue Growth. Revenue growth of 22.1% demonstrates continued momentum. PEG of 0.89 suggests the stock is reasonably priced for its growth.

Bear Case : MMM

The primary concerns for MMM are P/E Ratio, Revenue Growth, Price/Book. Debt-to-equity of 2.75 is elevated, increasing financial risk.

Bear Case : NOW

The primary concerns for NOW are Price/Book, EPS Growth, Altman Z-Score. A P/E of 55.7x leaves little room for execution misses.

Key Dynamics to Monitor

MMM profiles as a value stock while NOW is a growth play — different risk/reward profiles.

MMM carries more volatility with a beta of 1.09 — expect wider price swings.

NOW is growing revenue faster at 22.1% — sustainability is the question.

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

Bottom Line

NOW scores higher overall (59/100 vs 56/100) and 22.1% revenue growth. Both earn "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.

3M Company

INDUSTRIALS · CONGLOMERATES · USA

The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.

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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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