WallStSmart

Paysign Inc (PAYS)vsPalantir Technologies Inc. (PLTR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palantir Technologies Inc. generates 6017% more annual revenue ($6.16B vs $100.64M). PLTR leads profitability with a 49.0% profit margin vs 15.7%. PAYS trades at a lower P/E of 49.8x. PLTR earns a higher WallStSmart Score of 75/100 (B).

PAYS

Buy

63

out of 100

Grade: C+

Growth: 10.0Profit: 8.5Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: 0.72

PLTR

Strong Buy

75

out of 100

Grade: B

Growth: 10.0Profit: 10.0Value: 2.7Quality: 9.0
Piotroski: 5/9Altman Z: 4.71
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PAYSUndervalued (+57.1%)

Margin of Safety

+57.1%

Fair Value

$7.90

Current Price

$13.01

$5.11 discount

UndervaluedFair: $7.90Overvalued
PLTRSignificantly Overvalued (-83.0%)

Margin of Safety

-83.0%

Fair Value

$91.40

Current Price

$167.23

$75.83 premium

UndervaluedFair: $91.40Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PAYS5 strengths · Avg: 9.4/10
Revenue GrowthGrowth
48.1%10/10

Revenue surging 48.1% year-over-year

EPS GrowthGrowth
450.0%10/10

Earnings expanding 450.0% YoY

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

Return on EquityProfitability
26.2%9/10

Every $100 of equity generates 26 in profit

Operating MarginProfitability
28.3%8/10

Strong operational efficiency at 28.3%

PLTR6 strengths · Avg: 10.0/10
Market CapQuality
$401.86B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
30.9%10/10

Every $100 of equity generates 31 in profit

Profit MarginProfitability
49.0%10/10

Keeps 49 of every $100 in revenue as profit

Operating MarginProfitability
47.1%10/10

Strong operational efficiency at 47.1%

Revenue GrowthGrowth
92.8%10/10

Revenue surging 92.8% year-over-year

EPS GrowthGrowth
215.4%10/10

Earnings expanding 215.4% YoY

Areas to Watch

PAYS4 concerns · Avg: 3.0/10
Price/BookValuation
12.2x4/10

Trading at 12.2x book value

Market CapQuality
$759.42M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
49.8x2/10

Premium valuation, high expectations priced in

PLTR3 concerns · Avg: 2.7/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

P/E RatioValuation
141.7x2/10

Premium valuation, high expectations priced in

Price/BookValuation
41.1x2/10

Trading at 41.1x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : PAYS

The strongest argument for PAYS centers on Revenue Growth, EPS Growth, Debt/Equity. Profitability is solid with margins at 15.7% and operating margin at 28.3%. Revenue growth of 48.1% demonstrates continued momentum.

Bull Case : PLTR

The strongest argument for PLTR centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 49.0% and operating margin at 47.1%. Revenue growth of 92.8% demonstrates continued momentum.

Bear Case : PAYS

The primary concerns for PAYS are Price/Book, Market Cap, Piotroski F-Score. A P/E of 49.8x leaves little room for execution misses.

Bear Case : PLTR

The primary concerns for PLTR are PEG Ratio, P/E Ratio, Price/Book. A P/E of 141.7x leaves little room for execution misses.

Key Dynamics to Monitor

PLTR carries more volatility with a beta of 1.62 — expect wider price swings.

PLTR is growing revenue faster at 92.8% — sustainability is the question.

PLTR generates stronger free cash flow (1.2B), providing more financial flexibility.

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

Bottom Line

PLTR scores higher overall (75/100 vs 63/100), backed by strong 49.0% margins and 92.8% revenue growth. PAYS offers better value entry with a 57.1% margin of safety. Both earn "Strong 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.

Paysign Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

PaySign, Inc. offers prepaid card products and processing services under the PaySign brand for corporate, consumer and government applications. The company is headquartered in Henderson, Nevada.

Palantir Technologies Inc.

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palantir Technologies Inc. creates and implements software platforms for the intelligence community in the United States to assist in counterterrorism investigations and operations. The company is headquartered in Denver, Colorado.

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