WallStSmart

Palantir Technologies Inc. (PLTR)vsStoneCo Ltd (STNE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

StoneCo Ltd generates 159% more annual revenue ($13.54B vs $5.22B). PLTR leads profitability with a 43.7% profit margin vs 26.0%. STNE trades at a lower P/E of 4.2x. STNE earns a higher WallStSmart Score of 77/100 (B+).

PLTR

Strong Buy

75

out of 100

Grade: B

Growth: 10.0Profit: 9.5Value: 2.7Quality: 9.0
Piotroski: 5/9Altman Z: 4.71

STNE

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 9.0Value: 8.3Quality: 4.0
Piotroski: 4/9Altman Z: 0.89
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PLTRSignificantly Overvalued (-68.4%)

Margin of Safety

-68.4%

Fair Value

$76.30

Current Price

$141.70

$65.40 premium

UndervaluedFair: $76.30Overvalued
STNEUndervalued (+79.4%)

Margin of Safety

+79.4%

Fair Value

$85.94

Current Price

$10.74

$75.20 discount

UndervaluedFair: $85.94Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PLTR6 strengths · Avg: 10.0/10
Market CapQuality
$322.94B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
43.7%10/10

Keeps 44 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Revenue GrowthGrowth
84.7%10/10

Revenue surging 84.7% year-over-year

EPS GrowthGrowth
325.0%10/10

Earnings expanding 325.0% YoY

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

STNE6 strengths · Avg: 9.7/10
P/E RatioValuation
4.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
44.3%10/10

Strong operational efficiency at 44.3%

EPS GrowthGrowth
273.8%10/10

Earnings expanding 273.8% YoY

Return on EquityProfitability
28.4%9/10

Every $100 of equity generates 28 in profit

Profit MarginProfitability
26.0%9/10

Keeps 26 of every $100 in revenue as profit

Areas to Watch

PLTR3 concerns · Avg: 2.7/10
PEG RatioValuation
1.934/10

Expensive relative to growth rate

P/E RatioValuation
151.4x2/10

Premium valuation, high expectations priced in

Price/BookValuation
40.1x2/10

Trading at 40.1x book value

STNE3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.3%4/10

4.3% revenue growth

Debt/EquityHealth
1.293/10

Elevated debt levels

Altman Z-ScoreHealth
0.892/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : PLTR

The strongest argument for PLTR centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 43.7% and operating margin at 46.2%. Revenue growth of 84.7% demonstrates continued momentum.

Bull Case : STNE

The strongest argument for STNE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 26.0% and operating margin at 44.3%.

Bear Case : PLTR

The primary concerns for PLTR are PEG Ratio, P/E Ratio, Price/Book. A P/E of 151.4x leaves little room for execution misses.

Bear Case : STNE

The primary concerns for STNE are Revenue Growth, Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

PLTR profiles as a growth stock while STNE is a value play — different risk/reward profiles.

STNE carries more volatility with a beta of 1.59 — expect wider price swings.

PLTR is growing revenue faster at 84.7% — sustainability is the question.

STNE generates stronger free cash flow (3.1B), providing more financial flexibility.

Bottom Line

STNE scores higher overall (77/100 vs 75/100), backed by strong 26.0% margins. Both earn "Strong Buy" and "Strong 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.

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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StoneCo Ltd

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

StoneCo Ltd. provides fintech solutions to merchants and integrated partners to conduct e-commerce through store, online and mobile channels in Brazil.

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