WallStSmart

RedCloud Holdings plc Ordinary Shares (RCT)vsShopify Inc (SHOP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Shopify Inc generates 25376% more annual revenue ($12.37B vs $48.54M). SHOP leads profitability with a 10.8% profit margin vs -95.3%. SHOP earns a higher WallStSmart Score of 50/100 (C-).

RCT

Avoid

24

out of 100

Grade: F

Growth: 6.0Profit: 2.5Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: -30.54

SHOP

Buy

50

out of 100

Grade: C-

Growth: 7.3Profit: 7.0Value: 4.7Quality: 8.5
Piotroski: 3/9Altman Z: 6.61
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for RCT.

SHOPUndervalued (+18.2%)

Margin of Safety

+18.2%

Fair Value

$143.01

Current Price

$111.62

$31.39 discount

UndervaluedFair: $143.01Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RCT1 strengths · Avg: 10.0/10
Debt/EquityHealth
-1.7110/10

Conservative balance sheet, low leverage

SHOP4 strengths · Avg: 9.8/10
Revenue GrowthGrowth
34.3%10/10

Revenue surging 34.3% year-over-year

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
6.6110/10

Safe zone — low bankruptcy risk

Market CapQuality
$145.36B9/10

Large-cap with strong market position

Areas to Watch

RCT4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$36.86M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

SHOP4 concerns · Avg: 3.3/10
PEG RatioValuation
2.104/10

Expensive relative to growth rate

Price/BookValuation
11.6x4/10

Trading at 11.6x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
109.8x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : RCT

The strongest argument for RCT centers on Debt/Equity.

Bull Case : SHOP

The strongest argument for SHOP centers on Revenue Growth, Debt/Equity, Altman Z-Score. Revenue growth of 34.3% demonstrates continued momentum.

Bear Case : RCT

The primary concerns for RCT are Revenue Growth, EPS Growth, Market Cap.

Bear Case : SHOP

The primary concerns for SHOP are PEG Ratio, Price/Book, Piotroski F-Score. A P/E of 109.8x leaves little room for execution misses.

Key Dynamics to Monitor

RCT profiles as a turnaround stock while SHOP is a growth play — different risk/reward profiles.

SHOP is growing revenue faster at 34.3% — sustainability is the question.

SHOP generates stronger free cash flow (476M), providing more financial flexibility.

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

Bottom Line

SHOP scores higher overall (50/100 vs 24/100) and 34.3% 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.

RedCloud Holdings plc Ordinary Shares

TECHNOLOGY · SOFTWARE - APPLICATION · USA

RedCloud Holdings plc is an innovative technology company transforming the payment and banking sectors with its advanced digital financial solutions. Committed to fostering financial inclusivity, RedCloud provides a comprehensive platform that enables seamless real-time transactions for both businesses and consumers. By leveraging cutting-edge technologies such as blockchain and artificial intelligence, the company delivers secure, scalable, and tailored services that cater to a variety of market demands. As a significant player in the expanding digital economy, RedCloud is strategically positioned to benefit from the increasing global appetite for efficient and innovative payment solutions, making it an attractive investment opportunity for institutional investors.

Shopify Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Shopify Inc., a commerce company, offers a commerce and service platform in Canada, the United States, the United Kingdom, Australia, Latin America, and internationally. The company is headquartered in Ottawa, Canada.

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