ServiceNow Inc (NOW)vsUpbound Group Inc. (UPBD)
NOW
ServiceNow Inc
$98.34
+9.85%
TECHNOLOGY · Cap: $101.42B
UPBD
Upbound Group Inc.
$19.84
+0.38%
TECHNOLOGY · Cap: $1.19B
Smart Verdict
WallStSmart Research — data-driven comparison
ServiceNow Inc generates 195% more annual revenue ($13.96B vs $4.74B). NOW leads profitability with a 12.6% profit margin vs 1.8%. NOW appears more attractively valued with a PEG of 0.95. UPBD earns a higher WallStSmart Score of 63/100 (C+).
NOW
Buy59
out of 100
Grade: C
UPBD
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+83.9%
Fair Value
$610.72
Current Price
$98.34
$512.38 discount
Margin of Safety
+35.5%
Fair Value
$30.71
Current Price
$19.84
$10.87 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Conservative balance sheet, low leverage
Growing faster than its price suggests
Revenue surging 22.1% year-over-year
Generating 1.5B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 45.2% YoY
Areas to Watch
Trading at 8.6x book value
2.3% earnings growth
Distress zone — elevated risk
Weak financial health signals
3.7% revenue growth
Smaller company, higher risk/reward
1.8% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : NOW
The strongest argument for NOW centers on Market Cap, Debt/Equity, PEG Ratio. Revenue growth of 22.1% demonstrates continued momentum. PEG of 0.95 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, EPS Growth, Altman Z-Score. A P/E of 58.5x 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 2.41 is elevated, increasing financial risk. Thin 1.8% 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 1.82 — 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
UPBD scores higher overall (63/100 vs 59/100). NOW offers better value entry with a 83.9% margin of safety. 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.
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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