WallStSmart

Shopify Inc (SHOP)vsUpbound Group Inc. (UPBD)

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Smart Verdict

WallStSmart Research — data-driven comparison

Shopify Inc generates 180% more annual revenue ($13.27B vs $4.74B). SHOP leads profitability with a 14.5% profit margin vs 1.9%. UPBD appears more attractively valued with a PEG of 1.39. SHOP earns a higher WallStSmart Score of 64/100 (C+).

SHOP

Buy

64

out of 100

Grade: C+

Growth: 10.0Profit: 7.5Value: 4.7Quality: 8.5
Piotroski: 3/9Altman Z: 6.61

UPBD

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 5.5Value: 8.7Quality: 4.0
Piotroski: 2/9Altman Z: 2.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SHOPUndervalued (+23.5%)

Margin of Safety

+23.5%

Fair Value

$152.79

Current Price

$142.25

$10.54 discount

UndervaluedFair: $152.79Overvalued
UPBDUndervalued (+34.6%)

Margin of Safety

+34.6%

Fair Value

$30.28

Current Price

$16.09

$14.19 discount

UndervaluedFair: $30.28Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SHOP5 strengths · Avg: 9.8/10
Revenue GrowthGrowth
33.7%10/10

Revenue surging 33.7% year-over-year

EPS GrowthGrowth
68.1%10/10

Earnings expanding 68.1% YoY

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
6.6110/10

Safe zone — low bankruptcy risk

Market CapQuality
$165.33B9/10

Large-cap with strong market position

UPBD3 strengths · Avg: 9.3/10
P/E RatioValuation
10.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
42.3%8/10

Earnings expanding 42.3% YoY

Areas to Watch

SHOP4 concerns · Avg: 3.3/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Price/BookValuation
14.5x4/10

Trading at 14.5x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
86.8x2/10

Premium valuation, high expectations priced in

UPBD4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

Market CapQuality
$978.26M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : SHOP

The strongest argument for SHOP centers on Revenue Growth, EPS Growth, Debt/Equity. Revenue growth of 33.7% demonstrates continued momentum.

Bull Case : UPBD

The strongest argument for UPBD centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.39 suggests the stock is reasonably priced for its growth.

Bear Case : SHOP

The primary concerns for SHOP are PEG Ratio, Price/Book, Piotroski F-Score. A P/E of 86.8x leaves little room for execution misses.

Bear Case : UPBD

The primary concerns for UPBD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.33 is elevated, increasing financial risk. Thin 1.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

SHOP profiles as a growth stock while UPBD is a value play — different risk/reward profiles.

SHOP carries more volatility with a beta of 2.62 — expect wider price swings.

SHOP is growing revenue faster at 33.7% — sustainability is the question.

SHOP generates stronger free cash flow (654M), providing more financial flexibility.

Bottom Line

SHOP scores higher overall (64/100 vs 63/100) and 33.7% revenue growth. UPBD offers better value entry with a 34.6% margin of safety. 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.

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.

Upbound Group Inc.

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Upbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company is headquartered in Plano, Texas.

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