WallStSmart

PagSeguro Digital Ltd (PAGS)vsPalo Alto Networks Inc (PANW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PagSeguro Digital Ltd generates 100% more annual revenue ($19.74B vs $9.89B). PANW leads profitability with a 13.0% profit margin vs 10.7%. PAGS trades at a lower P/E of 7.3x. PAGS earns a higher WallStSmart Score of 59/100 (C).

PAGS

Buy

59

out of 100

Grade: C

Growth: 4.0Profit: 7.0Value: 5.7Quality: 4.8
Piotroski: 4/9Altman Z: 1.30

PANW

Buy

58

out of 100

Grade: C

Growth: 8.0Profit: 7.0Value: 2.0Quality: 5.0
Piotroski: 1/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PAGSSignificantly Overvalued (-20.8%)

Margin of Safety

-20.8%

Fair Value

$9.25

Current Price

$10.23

$0.98 premium

UndervaluedFair: $9.25Overvalued
PANWSignificantly Overvalued (-81.9%)

Margin of Safety

-81.9%

Fair Value

$84.24

Current Price

$153.22

$68.98 premium

UndervaluedFair: $84.24Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PAGS3 strengths · Avg: 10.0/10
P/E RatioValuation
7.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
39.0%10/10

Strong operational efficiency at 39.0%

PANW3 strengths · Avg: 9.7/10
EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Market CapQuality
$128.28B9/10

Large-cap with strong market position

Areas to Watch

PAGS4 concerns · Avg: 2.5/10
Revenue GrowthGrowth
4.5%4/10

4.5% revenue growth

EPS GrowthGrowth
-9.5%2/10

Earnings declined 9.5%

Free Cash FlowQuality
$-3.24B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
1.302/10

Distress zone — elevated risk

PANW4 concerns · Avg: 2.8/10
Price/BookValuation
11.5x4/10

Trading at 11.5x book value

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
2.962/10

Expensive relative to growth rate

P/E RatioValuation
87.3x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : PAGS

The strongest argument for PAGS centers on P/E Ratio, Price/Book, Operating Margin.

Bull Case : PANW

The strongest argument for PANW centers on EPS Growth, Debt/Equity, Market Cap. Revenue growth of 14.9% demonstrates continued momentum.

Bear Case : PAGS

The primary concerns for PAGS are Revenue Growth, EPS Growth, Free Cash Flow.

Bear Case : PANW

The primary concerns for PANW are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 87.3x leaves little room for execution misses.

Key Dynamics to Monitor

PAGS carries more volatility with a beta of 1.44 — expect wider price swings.

PANW is growing revenue faster at 14.9% — sustainability is the question.

PANW generates stronger free cash flow (470M), providing more financial flexibility.

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

Bottom Line

PAGS scores higher overall (59/100 vs 58/100). 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.

PagSeguro Digital Ltd

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

PagSeguro Digital Ltd., provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company is headquartered in So Paulo, Brazil.

Palo Alto Networks Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palo Alto Networks, Inc. provides cybersecurity platform solutions globally. The company is headquartered in Santa Clara, California.

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