Bill Com Holdings Inc (BILL)vsServiceNow Inc (NOW)
BILL
Bill Com Holdings Inc
$48.02
-2.81%
TECHNOLOGY · Cap: $4.54B
NOW
ServiceNow Inc
$150.13
-26.95%
TECHNOLOGY · Cap: $146.78B
Smart Verdict
WallStSmart Research — data-driven comparison
ServiceNow Inc generates 791% more annual revenue ($14.73B vs $1.65B). NOW leads profitability with a 11.3% profit margin vs -0.7%. BILL appears more attractively valued with a PEG of 0.45. BILL earns a higher WallStSmart Score of 50/100 (C-).
BILL
Buy50
out of 100
Grade: C-
NOW
Hold47
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+79.7%
Fair Value
$231.13
Current Price
$48.02
$183.11 discount
Margin of Safety
+74.4%
Fair Value
$617.23
Current Price
$150.13
$467.10 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Large-cap with strong market position
Revenue surging 24.0% year-over-year
Areas to Watch
0.0% earnings growth
ROE of 0.0% — below average capital efficiency
Weak financial health signals
Distress zone — elevated risk
Trading at 12.4x book value
Distress zone — elevated risk
Operating margin of 4.1%
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : BILL
The strongest argument for BILL centers on PEG Ratio, Price/Book. Revenue growth of 13.8% demonstrates continued momentum. PEG of 0.45 suggests the stock is reasonably priced for its growth.
Bull Case : NOW
The strongest argument for NOW centers on Market Cap, Revenue Growth. Revenue growth of 24.0% demonstrates continued momentum. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : BILL
The primary concerns for BILL are EPS Growth, Return on Equity, Piotroski F-Score.
Bear Case : NOW
The primary concerns for NOW are Price/Book, Altman Z-Score, Operating Margin. A P/E of 88.7x leaves little room for execution misses.
Key Dynamics to Monitor
BILL profiles as a turnaround stock while NOW is a growth play — different risk/reward profiles.
BILL carries more volatility with a beta of 1.14 — 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.
Bottom Line
BILL scores higher overall (50/100 vs 47/100) and 13.8% revenue growth. NOW offers better value entry with a 74.4% 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.
Bill Com Holdings Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Bill.com Holdings, Inc. provides cloud-based software that digitizes and automates financial back-office operations for small and medium-sized businesses globally. The company is headquartered in Palo Alto, California.
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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