WallStSmart

Cerence Inc (CRNC)vsIntuit Inc (INTU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Intuit Inc generates 6268% more annual revenue ($20.12B vs $315.96M). INTU leads profitability with a 21.6% profit margin vs 0.1%. INTU trades at a lower P/E of 28.1x. INTU earns a higher WallStSmart Score of 65/100 (C+).

CRNC

Buy

54

out of 100

Grade: C-

Growth: 4.7Profit: 6.0Value: 3.0Quality: 5.0

INTU

Buy

65

out of 100

Grade: C+

Growth: 6.7Profit: 8.0Value: 7.3Quality: 6.3
Piotroski: 6/9Altman Z: 2.52
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRNCSignificantly Overvalued (-5685.7%)

Margin of Safety

-5685.7%

Fair Value

$0.14

Current Price

$6.66

$6.52 premium

UndervaluedFair: $0.14Overvalued
INTUSignificantly Overvalued (-308.7%)

Margin of Safety

-308.7%

Fair Value

$104.45

Current Price

$426.86

$322.41 premium

UndervaluedFair: $104.45Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRNC3 strengths · Avg: 9.3/10
Operating MarginProfitability
32.2%10/10

Strong operational efficiency at 32.2%

Revenue GrowthGrowth
126.1%10/10

Revenue surging 126.1% year-over-year

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

INTU5 strengths · Avg: 9.0/10
Revenue GrowthGrowth
41.0%10/10

Revenue surging 41.0% year-over-year

Market CapQuality
$120.34B9/10

Large-cap with strong market position

Return on EquityProfitability
23.5%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
21.6%9/10

Keeps 22 of every $100 in revenue as profit

Free Cash FlowQuality
$1.52B8/10

Generating 1.5B in free cash flow

Areas to Watch

CRNC4 concerns · Avg: 2.8/10
Market CapQuality
$307.92M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.3%3/10

ROE of 0.3% — below average capital efficiency

Profit MarginProfitability
0.1%3/10

0.1% margin — thin

P/E RatioValuation
342.0x2/10

Premium valuation, high expectations priced in

INTU2 concerns · Avg: 3.0/10
P/E RatioValuation
28.1x4/10

Moderate valuation

EPS GrowthGrowth
-18.5%2/10

Earnings declined 18.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : CRNC

The strongest argument for CRNC centers on Operating Margin, Revenue Growth, Price/Book. Revenue growth of 126.1% demonstrates continued momentum.

Bull Case : INTU

The strongest argument for INTU centers on Revenue Growth, Market Cap, Return on Equity. Profitability is solid with margins at 21.6% and operating margin at 15.7%. Revenue growth of 41.0% demonstrates continued momentum.

Bear Case : CRNC

The primary concerns for CRNC are Market Cap, Return on Equity, Profit Margin. A P/E of 342.0x leaves little room for execution misses. Thin 0.1% margins leave little buffer for downturns.

Bear Case : INTU

The primary concerns for INTU are P/E Ratio, EPS Growth.

Key Dynamics to Monitor

CRNC profiles as a hypergrowth stock while INTU is a growth play — different risk/reward profiles.

CRNC carries more volatility with a beta of 2.71 — expect wider price swings.

CRNC is growing revenue faster at 126.1% — sustainability is the question.

INTU generates stronger free cash flow (1.5B), providing more financial flexibility.

Bottom Line

INTU scores higher overall (65/100 vs 54/100), backed by strong 21.6% margins and 41.0% 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.

Cerence Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Cerence Inc. provides assistants and innovations with artificial intelligence technology for connected and autonomous vehicles. Offers state-of-the-art software components; components connected to the cloud; tool kits; Applications; and virtual assistant for coexistence and professional services. The company is headquartered in Burlington, Massachusetts.

Intuit Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Intuit Inc. is an American business that specializes in financial software. Intuit's products include the tax preparation application TurboTax, personal finance app Mint and the small business accounting program QuickBooks.

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