WallStSmart

ServiceNow Inc (NOW)vsRiskified Ltd (RSKD)

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Smart Verdict

WallStSmart Research — data-driven comparison

ServiceNow Inc generates 4091% more annual revenue ($15.43B vs $368.15M). NOW leads profitability with a 9.4% profit margin vs -4.2%. NOW earns a higher WallStSmart Score of 55/100 (C-).

NOW

Buy

55

out of 100

Grade: C-

Growth: 6.7Profit: 6.5Value: 6.7Quality: 4.0
Piotroski: 1/9Altman Z: 1.65

RSKD

Avoid

30

out of 100

Grade: F

Growth: 6.0Profit: 2.0Value: 6.7Quality: 7.5
Piotroski: 4/9Altman Z: 1.41
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NOWUndervalued (+84.1%)

Margin of Safety

+84.1%

Fair Value

$641.35

Current Price

$102.76

$538.59 discount

UndervaluedFair: $641.35Overvalued
RSKDUndervalued (+55.9%)

Margin of Safety

+55.9%

Fair Value

$9.96

Current Price

$9.42

$0.54 discount

UndervaluedFair: $9.96Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NOW3 strengths · Avg: 8.3/10
Market CapQuality
$109.11B9/10

Large-cap with strong market position

PEG RatioValuation
0.768/10

Growing faster than its price suggests

Revenue GrowthGrowth
20.5%8/10

Revenue surging 20.5% year-over-year

RSKD2 strengths · Avg: 8.5/10
Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
21.8%8/10

Revenue surging 21.8% year-over-year

Areas to Watch

NOW4 concerns · Avg: 3.3/10
Price/BookValuation
8.1x4/10

Trading at 8.1x book value

Altman Z-ScoreHealth
1.654/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

P/E RatioValuation
75.6x2/10

Premium valuation, high expectations priced in

RSKD4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.13B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-7.5%2/10

ROE of -7.5% — below average capital efficiency

Altman Z-ScoreHealth
1.412/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : NOW

The strongest argument for NOW centers on Market Cap, PEG Ratio, Revenue Growth. Revenue growth of 20.5% demonstrates continued momentum. PEG of 0.76 suggests the stock is reasonably priced for its growth.

Bull Case : RSKD

The strongest argument for RSKD centers on Debt/Equity, Revenue Growth. Revenue growth of 21.8% demonstrates continued momentum.

Bear Case : NOW

The primary concerns for NOW are Price/Book, Altman Z-Score, Piotroski F-Score. A P/E of 75.6x leaves little room for execution misses.

Bear Case : RSKD

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

Key Dynamics to Monitor

RSKD carries more volatility with a beta of 1.26 — expect wider price swings.

RSKD is growing revenue faster at 21.8% — sustainability is the question.

NOW generates stronger free cash flow (748M), providing more financial flexibility.

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

Bottom Line

NOW scores higher overall (55/100 vs 30/100) and 20.5% revenue growth. RSKD offers better value entry with a 55.9% margin of safety. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

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.

Riskified Ltd

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Riskified Ltd. is a leading player in the fraud prevention industry, specializing in advanced machine learning and data analytics solutions designed for eCommerce merchants. By improving transaction approval rates and reducing fraud-related losses, the company helps safeguard merchant revenues while enhancing customer experiences. With a strong foothold in the rapidly evolving digital payments sector, Riskified is well-positioned for sustained growth and innovation, continually leveraging its technological expertise to strengthen its competitive advantage in the dynamic eCommerce landscape.

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