WallStSmart

Bill Com Holdings Inc (BILL)vsUber Technologies Inc (UBER)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 3255% more annual revenue ($53.69B vs $1.60B). UBER leads profitability with a 15.9% profit margin vs 0.0%. BILL appears more attractively valued with a PEG of 0.33. BILL earns a higher WallStSmart Score of 55/100 (C-).

BILL

Buy

55

out of 100

Grade: C-

Growth: 6.7Profit: 3.5Value: 8.3Quality: 5.5
Piotroski: 5/9Altman Z: 0.65

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

BILLUndervalued (+80.7%)

Margin of Safety

+80.7%

Fair Value

$243.50

Current Price

$35.97

$207.53 discount

UndervaluedFair: $243.50Overvalued
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

BILL2 strengths · Avg: 10.0/10
PEG RatioValuation
0.3310/10

Growing faster than its price suggests

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

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

BILL4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
1.1%3/10

Operating margin of 1.1%

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 : BILL

The strongest argument for BILL centers on PEG Ratio, Price/Book. Revenue growth of 13.5% demonstrates continued momentum. PEG of 0.33 suggests the stock is reasonably priced for its growth.

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 : BILL

The primary concerns for BILL are EPS Growth, Return on Equity, Profit Margin. Thin 0.0% margins leave little buffer for downturns.

Bear Case : UBER

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

Key Dynamics to Monitor

BILL profiles as a value stock while UBER is a mature play — different risk/reward profiles.

BILL carries more volatility with a beta of 1.18 — expect wider price swings.

UBER is growing revenue faster at 14.5% — sustainability is the question.

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

Bottom Line

BILL scores higher overall (55/100 vs 54/100) and 13.5% 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.

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.

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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