ServiceNow Inc (NOW)vsUpbound Group Inc. (UPBD)
NOW
ServiceNow Inc
$135.62
-1.57%
TECHNOLOGY · Cap: $145.55B
UPBD
Upbound Group Inc.
$16.09
+1.39%
TECHNOLOGY · Cap: $978.26M
Smart Verdict
WallStSmart Research — data-driven comparison
ServiceNow Inc generates 211% more annual revenue ($14.73B vs $4.74B). NOW leads profitability with a 11.3% profit margin vs 1.9%. NOW appears more attractively valued with a PEG of 0.99. UPBD earns a higher WallStSmart Score of 63/100 (C+).
NOW
Hold49
out of 100
Grade: D+
UPBD
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.9%
Fair Value
$624.48
Current Price
$135.62
$488.86 discount
Margin of Safety
+34.6%
Fair Value
$30.28
Current Price
$16.09
$14.19 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Growing faster than its price suggests
Revenue surging 24.0% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 42.3% YoY
Areas to Watch
Trading at 11.2x book value
Distress zone — elevated risk
Operating margin of 4.1%
Weak financial health signals
0.5% revenue growth
Smaller company, higher risk/reward
1.9% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : NOW
The strongest argument for NOW centers on Market Cap, PEG Ratio, Revenue Growth. Revenue growth of 24.0% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bull Case : UPBD
The strongest argument for UPBD centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : NOW
The primary concerns for NOW are Price/Book, Altman Z-Score, Operating Margin. A P/E of 88.5x leaves little room for execution misses.
Bear Case : UPBD
The primary concerns for UPBD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.33 is elevated, increasing financial risk. Thin 1.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
NOW profiles as a growth stock while UPBD is a value play — different risk/reward profiles.
UPBD carries more volatility with a beta of 1.77 — 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.
Bottom Line
UPBD scores higher overall (63/100 vs 49/100). NOW offers better value entry with a 77.9% 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.
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.
Upbound Group Inc.
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Upbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company is headquartered in Plano, Texas.
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