WallStSmart

Palo Alto Networks Inc (PANW)vsRyvyl Inc (RVYL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 20130% more annual revenue ($9.89B vs $48.90M). PANW leads profitability with a 13.0% profit margin vs -47.4%. PANW earns a higher WallStSmart Score of 58/100 (C).

PANW

Buy

58

out of 100

Grade: C

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

RVYL

Avoid

31

out of 100

Grade: F

Growth: 5.3Profit: 2.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PANWSignificantly Overvalued (-81.9%)

Margin of Safety

-81.9%

Fair Value

$84.24

Current Price

$153.22

$68.98 premium

UndervaluedFair: $84.24Overvalued

Intrinsic value data unavailable for RVYL.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

RVYL0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

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

RVYL4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$10.33M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-21.0%2/10

ROE of -21.0% — below average capital efficiency

Revenue GrowthGrowth
-6.4%2/10

Revenue declined 6.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : PANW

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

Bull Case : RVYL

RVYL has a balanced fundamental profile.

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.

Bear Case : RVYL

The primary concerns for RVYL are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

PANW profiles as a value stock while RVYL is a turnaround play — different risk/reward profiles.

RVYL carries more volatility with a beta of 2.80 — 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.

Bottom Line

PANW scores higher overall (58/100 vs 31/100) and 14.9% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

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.

Ryvyl Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

GreenBox POS, a technology company, is engaged in the development, marketing, and sale of blockchain-based payment solutions. The company is headquartered in San Diego, California.

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