WallStSmart

Appfolio Inc (APPF)vsUber Technologies Inc (UBER)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 5294% more annual revenue ($53.69B vs $995.33M). UBER leads profitability with a 15.9% profit margin vs 15.3%. UBER appears more attractively valued with a PEG of 5.98. APPF earns a higher WallStSmart Score of 64/100 (C+).

APPF

Buy

64

out of 100

Grade: C+

Growth: 9.3Profit: 9.0Value: 5.3Quality: 8.5
Piotroski: 3/9Altman Z: 5.09

UBER

Buy

54

out of 100

Grade: C-

Growth: 5.3Profit: 7.5Value: 5.3Quality: 5.0
Piotroski: 4/9Altman Z: 1.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

APPFUndervalued (+30.6%)

Margin of Safety

+30.6%

Fair Value

$257.36

Current Price

$166.94

$90.42 discount

UndervaluedFair: $257.36Overvalued
UBERUndervalued (+3.8%)

Margin of Safety

+3.8%

Fair Value

$71.28

Current Price

$72.21

$0.93 discount

UndervaluedFair: $71.28Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

APPF5 strengths · Avg: 9.2/10
Return on EquityProfitability
32.3%10/10

Every $100 of equity generates 32 in profit

Debt/EquityHealth
0.0810/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.0910/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
20.4%8/10

Revenue surging 20.4% year-over-year

EPS GrowthGrowth
37.2%8/10

Earnings expanding 37.2% YoY

UBER4 strengths · Avg: 8.8/10
Return on EquityProfitability
34.5%10/10

Every $100 of equity generates 35 in profit

Market CapQuality
$145.79B9/10

Large-cap with strong market position

P/E RatioValuation
17.8x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.29B8/10

Generating 2.3B in free cash flow

Areas to Watch

APPF4 concerns · Avg: 3.3/10
P/E RatioValuation
38.3x4/10

Premium valuation, high expectations priced in

Price/BookValuation
12.6x4/10

Trading at 12.6x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
7.452/10

Expensive relative to growth rate

UBER3 concerns · Avg: 2.0/10
PEG RatioValuation
5.982/10

Expensive relative to growth rate

EPS GrowthGrowth
-84.6%2/10

Earnings declined 84.6%

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

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 15.3% and operating margin at 19.4%. Revenue growth of 20.4% demonstrates continued momentum.

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 15.9% and operating margin at 14.6%. Revenue growth of 14.5% demonstrates continued momentum.

Bear Case : APPF

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

Bear Case : UBER

The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

APPF profiles as a growth stock while UBER is a mature play — different risk/reward profiles.

UBER carries more volatility with a beta of 1.16 — expect wider price swings.

APPF is growing revenue faster at 20.4% — sustainability is the question.

UBER generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

APPF scores higher overall (64/100 vs 54/100), backed by strong 15.3% margins and 20.4% revenue growth. 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.

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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Uber Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.

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