WallStSmart

Bentley Systems Inc (BSY)vsSnowflake Inc. (SNOW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Snowflake Inc. generates 239% more annual revenue ($5.43B vs $1.60B). BSY leads profitability with a 18.1% profit margin vs -20.1%. BSY appears more attractively valued with a PEG of 1.30. BSY earns a higher WallStSmart Score of 64/100 (C+).

BSY

Buy

64

out of 100

Grade: C+

Growth: 6.7Profit: 8.0Value: 6.0Quality: 4.0
Piotroski: 7/9Altman Z: 0.90

SNOW

Avoid

33

out of 100

Grade: F

Growth: 8.0Profit: 2.0Value: 5.7Quality: 3.0
Piotroski: 3/9Altman Z: -1.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BSYUndervalued (+22.4%)

Margin of Safety

+22.4%

Fair Value

$43.71

Current Price

$30.97

$12.74 discount

UndervaluedFair: $43.71Overvalued
SNOWUndervalued (+56.2%)

Margin of Safety

+56.2%

Fair Value

$408.16

Current Price

$328.99

$79.17 discount

UndervaluedFair: $408.16Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BSY2 strengths · Avg: 8.5/10
Return on EquityProfitability
23.0%9/10

Every $100 of equity generates 23 in profit

Operating MarginProfitability
25.0%8/10

Strong operational efficiency at 25.0%

SNOW2 strengths · Avg: 9.5/10
Revenue GrowthGrowth
35.1%10/10

Revenue surging 35.1% year-over-year

Market CapQuality
$116.07B9/10

Large-cap with strong market position

Areas to Watch

BSY3 concerns · Avg: 3.0/10
P/E RatioValuation
36.5x4/10

Premium valuation, high expectations priced in

Debt/EquityHealth
1.053/10

Elevated debt levels

Altman Z-ScoreHealth
0.902/10

Distress zone — elevated risk

SNOW4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Debt/EquityHealth
1.293/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
8.282/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BSY

The strongest argument for BSY centers on Return on Equity, Operating Margin. Profitability is solid with margins at 18.1% and operating margin at 25.0%. Revenue growth of 12.8% demonstrates continued momentum.

Bull Case : SNOW

The strongest argument for SNOW centers on Revenue Growth, Market Cap. Revenue growth of 35.1% demonstrates continued momentum.

Bear Case : BSY

The primary concerns for BSY are P/E Ratio, Debt/Equity, Altman Z-Score.

Bear Case : SNOW

The primary concerns for SNOW are EPS Growth, Debt/Equity, Piotroski F-Score.

Key Dynamics to Monitor

BSY profiles as a mature stock while SNOW is a hypergrowth play — different risk/reward profiles.

SNOW carries more volatility with a beta of 1.33 — expect wider price swings.

SNOW is growing revenue faster at 35.1% — sustainability is the question.

SNOW generates stronger free cash flow (84M), providing more financial flexibility.

Bottom Line

BSY scores higher overall (64/100 vs 33/100), backed by strong 18.1% margins and 12.8% revenue growth. SNOW offers better value entry with a 56.2% margin of safety. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Bentley Systems Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Bentley Systems, Incorporated, provides infrastructure engineering software solutions in the Americas, Europe, the Middle East, Africa, and Asia-Pacific. The company is headquartered in Exton, Pennsylvania.

Snowflake Inc.

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Snowflake Inc. provides a cloud-based data platform in the United States and internationally. The company is headquartered in San Mateo, California.

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