WallStSmart

Appfolio Inc (APPF)vsNVIDIA Corporation (NVDA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NVIDIA Corporation generates 29007% more annual revenue ($302.97B vs $1.04B). NVDA leads profitability with a 63.7% profit margin vs 15.1%. NVDA appears more attractively valued with a PEG of 0.56. NVDA earns a higher WallStSmart Score of 80/100 (A-).

APPF

Buy

58

out of 100

Grade: C

Growth: 8.7Profit: 9.0Value: 5.3Quality: 8.5
Piotroski: 3/9Altman Z: 5.09

NVDA

Exceptional Buy

80

out of 100

Grade: A-

Growth: 10.0Profit: 10.0Value: 5.3Quality: 8.5
Piotroski: 3/9Altman Z: 6.75
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

APPFUndervalued (+32.6%)

Margin of Safety

+32.6%

Fair Value

$265.35

Current Price

$208.48

$56.87 discount

UndervaluedFair: $265.35Overvalued
NVDASignificantly Overvalued (-52.6%)

Margin of Safety

-52.6%

Fair Value

$143.03

Current Price

$210.96

$67.93 premium

UndervaluedFair: $143.03Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

APPF4 strengths · Avg: 9.5/10
Return on EquityProfitability
32.3%10/10

Every $100 of equity generates 32 in profit

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.0910/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
19.3%8/10

19.3% revenue growth

NVDA6 strengths · Avg: 10.0/10
Market CapQuality
$5.27T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
84.2%10/10

Every $100 of equity generates 84 in profit

Profit MarginProfitability
63.7%10/10

Keeps 64 of every $100 in revenue as profit

Operating MarginProfitability
66.2%10/10

Strong operational efficiency at 66.2%

Revenue GrowthGrowth
105.9%10/10

Revenue surging 105.9% year-over-year

EPS GrowthGrowth
127.8%10/10

Earnings expanding 127.8% YoY

Areas to Watch

APPF4 concerns · Avg: 2.8/10
Price/BookValuation
14.0x4/10

Trading at 14.0x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
7.452/10

Expensive relative to growth rate

P/E RatioValuation
46.9x2/10

Premium valuation, high expectations priced in

NVDA3 concerns · Avg: 3.0/10
P/E RatioValuation
27.6x4/10

Moderate valuation

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Price/BookValuation
22.3x2/10

Trading at 22.3x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : APPF

The strongest argument for APPF centers on Return on Equity, Debt/Equity, Altman Z-Score. Profitability is solid with margins at 15.1% and operating margin at 18.9%. Revenue growth of 19.3% demonstrates continued momentum.

Bull Case : NVDA

The strongest argument for NVDA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 63.7% and operating margin at 66.2%. Revenue growth of 105.9% demonstrates continued momentum.

Bear Case : APPF

The primary concerns for APPF are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 46.9x leaves little room for execution misses.

Bear Case : NVDA

The primary concerns for NVDA are P/E Ratio, Piotroski F-Score, Price/Book.

Key Dynamics to Monitor

NVDA carries more volatility with a beta of 2.22 — expect wider price swings.

NVDA is growing revenue faster at 105.9% — sustainability is the question.

NVDA generates stronger free cash flow (21.4B), providing more financial flexibility.

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

Bottom Line

NVDA scores higher overall (80/100 vs 58/100), backed by strong 63.7% margins and 105.9% revenue growth. APPF offers better value entry with a 32.6% margin of safety. Both earn "Exceptional 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.

Appfolio Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

AppFolio, Inc. provides industry-specific cloud-based enterprise software data analytics, services and solutions for the real estate industry. The company is headquartered in Santa Barbara, California.

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NVIDIA Corporation

TECHNOLOGY · SEMICONDUCTORS · USA

Nvidia Corporation is an American multinational technology company incorporated in Delaware and based in Santa Clara, California. It designs graphics processing units (GPUs) for the gaming and professional markets, as well as system on a chip units (SoCs) for the mobile computing and automotive market.

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