Clearwater Analytics Holdings Inc (CWAN)vsServiceNow Inc (NOW)
CWAN
Clearwater Analytics Holdings Inc
$24.37
-0.04%
TECHNOLOGY · Cap: $7.26B
NOW
ServiceNow Inc
$112.45
+1.96%
TECHNOLOGY · Cap: $131.65B
Smart Verdict
WallStSmart Research — data-driven comparison
ServiceNow Inc generates 1591% more annual revenue ($13.96B vs $825.73M). NOW leads profitability with a 12.6% profit margin vs -5.8%. NOW appears more attractively valued with a PEG of 1.32. NOW earns a higher WallStSmart Score of 54/100 (C-).
CWAN
Hold43
out of 100
Grade: D
NOW
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-16.1%
Fair Value
$20.33
Current Price
$24.37
$4.04 premium
Margin of Safety
+82.6%
Fair Value
$613.35
Current Price
$112.45
$500.90 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 74.4% year-over-year
Earnings expanding 202.8% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Revenue surging 22.1% year-over-year
Generating 1.5B in free cash flow
Areas to Watch
Distress zone — elevated risk
Operating margin of 4.1%
Weak financial health signals
Expensive relative to growth rate
Trading at 9.9x book value
2.3% earnings growth
Distress zone — elevated risk
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : CWAN
The strongest argument for CWAN centers on Revenue Growth, EPS Growth. Revenue growth of 74.4% demonstrates continued momentum.
Bull Case : NOW
The strongest argument for NOW centers on Market Cap, Debt/Equity, Revenue Growth. Revenue growth of 22.1% demonstrates continued momentum. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bear Case : CWAN
The primary concerns for CWAN are Altman Z-Score, Operating Margin, Piotroski F-Score.
Bear Case : NOW
The primary concerns for NOW are Price/Book, EPS Growth, Altman Z-Score. A P/E of 76.0x leaves little room for execution misses.
Key Dynamics to Monitor
CWAN profiles as a hypergrowth stock while NOW is a growth play — different risk/reward profiles.
NOW carries more volatility with a beta of 0.82 — expect wider price swings.
CWAN is growing revenue faster at 74.4% — sustainability is the question.
NOW generates stronger free cash flow (1.5B), providing more financial flexibility.
Bottom Line
NOW scores higher overall (54/100 vs 43/100) and 22.1% revenue growth. 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.
Clearwater Analytics Holdings Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Clearwater Analytics Holdings Inc. (CWAN) is a leading provider of innovative, cloud-based investment accounting and analytics solutions designed for investment firms, insurance companies, and multinational corporations. Its advanced platform enhances portfolio management and reporting capabilities, enabling clients to make informed strategic investment decisions while maintaining operational efficiency and regulatory compliance. Positioned at the forefront of the rapidly evolving financial technology sector, Clearwater is well-equipped to capitalize on the growing demand for comprehensive investment solutions, driving sustained growth and ongoing innovation within the financial services industry.
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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