WallStSmart

Agora Inc (API)vsServiceNow Inc (NOW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ServiceNow Inc generates 9612% more annual revenue ($14.73B vs $151.69M). NOW leads profitability with a 11.3% profit margin vs 7.2%. API trades at a lower P/E of 40.6x. NOW earns a higher WallStSmart Score of 49/100 (D+).

API

Hold

49

out of 100

Grade: D+

Growth: 6.7Profit: 3.0Value: 6.3Quality: 8.0
Piotroski: 4/9Altman Z: 1.79

NOW

Hold

49

out of 100

Grade: D+

Growth: 6.7Profit: 5.5Value: 6.7Quality: 4.0
Piotroski: 1/9Altman Z: 1.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

APIUndervalued (+63.4%)

Margin of Safety

+63.4%

Fair Value

$11.66

Current Price

$4.06

$7.60 discount

UndervaluedFair: $11.66Overvalued
NOWUndervalued (+78.9%)

Margin of Safety

+78.9%

Fair Value

$626.98

Current Price

$132.53

$494.45 discount

UndervaluedFair: $626.98Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

API4 strengths · Avg: 9.3/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

EPS GrowthGrowth
140.0%10/10

Earnings expanding 140.0% YoY

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
18.0%8/10

18.0% revenue growth

NOW3 strengths · Avg: 8.3/10
Market CapQuality
$137.02B9/10

Large-cap with strong market position

PEG RatioValuation
0.958/10

Growing faster than its price suggests

Revenue GrowthGrowth
24.0%8/10

Revenue surging 24.0% year-over-year

Areas to Watch

API4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.794/10

Distress zone — elevated risk

Market CapQuality
$343.27M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.9%3/10

ROE of 1.9% — below average capital efficiency

Profit MarginProfitability
7.2%3/10

7.2% margin — thin

NOW4 concerns · Avg: 3.5/10
Price/BookValuation
10.9x4/10

Trading at 10.9x book value

Altman Z-ScoreHealth
1.654/10

Distress zone — elevated risk

Operating MarginProfitability
4.1%3/10

Operating margin of 4.1%

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : API

The strongest argument for API centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 18.0% demonstrates continued momentum.

Bull Case : NOW

The strongest argument for NOW centers on Market Cap, PEG Ratio, Revenue Growth. Revenue growth of 24.0% demonstrates continued momentum. PEG of 0.95 suggests the stock is reasonably priced for its growth.

Bear Case : API

The primary concerns for API are Altman Z-Score, Market Cap, Return on Equity. A P/E of 40.6x leaves little room for execution misses.

Bear Case : NOW

The primary concerns for NOW are Price/Book, Altman Z-Score, Operating Margin. A P/E of 81.8x leaves little room for execution misses.

Key Dynamics to Monitor

NOW carries more volatility with a beta of 0.97 — expect wider price swings.

NOW is growing revenue faster at 24.0% — sustainability is the question.

NOW generates stronger free cash flow (473M), providing more financial flexibility.

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

Bottom Line

API scores higher overall (49/100 vs 49/100) and 18.0% revenue growth. NOW offers better value entry with a 78.9% margin of safety. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Agora Inc

TECHNOLOGY · SOFTWARE - APPLICATION · China

Agora, Inc. provides a Real-Time Interaction Platform as a Service (RTE-PaaS) in the People's Republic of China, the United States, and internationally. The company is headquartered in Shanghai, China.

Visit Website →

ServiceNow Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

ServiceNow is an American software company based in Santa Clara, California that develops a cloud computing platform to help companies manage digital workflows for enterprise operations.

Want to dig deeper into these stocks?