WallStSmart

Agora Inc (API)vsServiceNow Inc (NOW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ServiceNow Inc generates 9492% more annual revenue ($13.96B vs $145.53M). NOW leads profitability with a 12.6% profit margin vs 7.0%. API trades at a lower P/E of 43.3x. NOW earns a higher WallStSmart Score of 59/100 (C).

API

Hold

49

out of 100

Grade: D+

Growth: 6.0Profit: 3.0Value: 6.3Quality: 8.0
Piotroski: 4/9Altman Z: 1.79

NOW

Buy

59

out of 100

Grade: C

Growth: 7.3Profit: 6.0Value: 6.7Quality: 4.0
Piotroski: 1/9Altman Z: 1.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

APIUndervalued (+62.3%)

Margin of Safety

+62.3%

Fair Value

$11.32

Current Price

$3.94

$7.38 discount

UndervaluedFair: $11.32Overvalued
NOWUndervalued (+80.8%)

Margin of Safety

+80.8%

Fair Value

$602.92

Current Price

$115.76

$487.16 discount

UndervaluedFair: $602.92Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

API3 strengths · Avg: 9.7/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

EPS GrowthGrowth
200.1%10/10

Earnings expanding 200.1% YoY

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

NOW3 strengths · Avg: 8.3/10
Market CapQuality
$98.45B9/10

Large-cap with strong market position

PEG RatioValuation
0.898/10

Growing faster than its price suggests

Revenue GrowthGrowth
22.1%8/10

Revenue surging 22.1% year-over-year

Areas to Watch

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

Distress zone — elevated risk

Market CapQuality
$329.74M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.9%3/10

ROE of 1.9% — below average capital efficiency

Profit MarginProfitability
7.0%3/10

7.0% margin — thin

NOW4 concerns · Avg: 3.8/10
Price/BookValuation
10.2x4/10

Trading at 10.2x book value

EPS GrowthGrowth
2.3%4/10

2.3% earnings growth

Altman Z-ScoreHealth
1.654/10

Distress zone — elevated risk

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 13.5% demonstrates continued momentum.

Bull Case : NOW

The strongest argument for NOW centers on Market Cap, PEG Ratio, Revenue Growth. Revenue growth of 22.1% demonstrates continued momentum. PEG of 0.89 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 43.3x leaves little room for execution misses.

Bear Case : NOW

The primary concerns for NOW are Price/Book, EPS Growth, Altman Z-Score. A P/E of 60.4x leaves little room for execution misses.

Key Dynamics to Monitor

API profiles as a value stock while NOW is a growth play — different risk/reward profiles.

NOW carries more volatility with a beta of 0.96 — expect wider price swings.

NOW is growing revenue faster at 22.1% — sustainability is the question.

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

Bottom Line

NOW scores higher overall (59/100 vs 49/100) and 22.1% revenue growth. API offers better value entry with a 62.3% margin of safety. Both earn "Buy" 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.

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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.

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