ServiceNow Inc (NOW)vsW. R. Berkley Corp (WRB)
NOW
ServiceNow Inc
$104.65
-1.53%
TECHNOLOGY · Cap: $116.47B
WRB
W. R. Berkley Corp
$65.03
-0.79%
FINANCIAL SERVICES · Cap: $24.98B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 11% more annual revenue ($14.71B vs $13.28B). NOW leads profitability with a 13.2% profit margin vs 12.1%. NOW appears more attractively valued with a PEG of 1.09. NOW earns a higher WallStSmart Score of 56/100 (C).
NOW
Buy56
out of 100
Grade: C
WRB
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-412.0%
Fair Value
$20.44
Current Price
$104.65
$84.21 premium
Margin of Safety
-136.4%
Fair Value
$30.26
Current Price
$65.03
$34.77 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
Revenue surging 150.0% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Trading at 8.5x book value
3.4% earnings growth
Distress zone — elevated risk
Weak financial health signals
Weak financial health signals
Expensive relative to growth rate
Earnings declined 21.8%
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 1.09 suggests the stock is reasonably priced for its growth.
Bull Case : WRB
The strongest argument for WRB centers on Revenue Growth, P/E Ratio, Price/Book. Revenue growth of 150.0% demonstrates continued momentum.
Bear Case : NOW
The primary concerns for NOW are Price/Book, EPS Growth, Altman Z-Score. A P/E of 66.1x leaves little room for execution misses.
Bear Case : WRB
The primary concerns for WRB are Piotroski F-Score, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
NOW carries more volatility with a beta of 1.02 — expect wider price swings.
WRB is growing revenue faster at 150.0% — sustainability is the question.
NOW generates stronger free cash flow (2.0B), providing more financial flexibility.
Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NOW scores higher overall (56/100 vs 55/100) and 20.7% 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.
W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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