ServiceNow Inc (NOW)vsUpbound Group Inc. (UPBD)
NOW
ServiceNow Inc
$103.06
-1.52%
TECHNOLOGY · Cap: $110.42B
UPBD
Upbound Group Inc.
$18.33
-0.70%
TECHNOLOGY · Cap: $1.00B
Smart Verdict
WallStSmart Research — data-driven comparison
ServiceNow Inc generates 183% more annual revenue ($13.28B vs $4.70B). NOW leads profitability with a 13.2% profit margin vs 1.6%. NOW appears more attractively valued with a PEG of 1.06. UPBD earns a higher WallStSmart Score of 57/100 (C).
NOW
Buy56
out of 100
Grade: C
UPBD
Buy57
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-404.2%
Fair Value
$20.44
Current Price
$103.06
$82.62 premium
Margin of Safety
-133.1%
Fair Value
$8.50
Current Price
$18.33
$9.83 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Revenue surging 20.7% year-over-year
Generating 2.0B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Trading at 8.3x book value
3.4% earnings growth
Distress zone — elevated risk
Weak financial health signals
Smaller company, higher risk/reward
1.6% margin — thin
Earnings declined 38.2%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : NOW
The strongest argument for NOW centers on Market Cap, Revenue Growth, Free Cash Flow. Revenue growth of 20.7% demonstrates continued momentum. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bull Case : UPBD
The strongest argument for UPBD centers on P/E Ratio, Price/Book. Revenue growth of 10.9% demonstrates continued momentum. 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 62.7x leaves little room for execution misses.
Bear Case : UPBD
The primary concerns for UPBD are Market Cap, Profit Margin, EPS Growth. Thin 1.6% 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 1.84 — expect wider price swings.
NOW is growing revenue faster at 20.7% — sustainability is the question.
NOW generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
UPBD scores higher overall (57/100 vs 56/100) and 10.9% 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.
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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