WallStSmart

eBay Inc (EBAY)vsPattern Group Inc. Series A Common Stock (PTRN)

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Smart Verdict

WallStSmart Research — data-driven comparison

eBay Inc generates 299% more annual revenue ($12.01B vs $3.01B). EBAY leads profitability with a 18.6% profit margin vs 0.9%. EBAY earns a higher WallStSmart Score of 70/100 (B-).

EBAY

Strong Buy

70

out of 100

Grade: B-

Growth: 6.7Profit: 8.5Value: 4.0Quality: 5.5
Piotroski: 4/9Altman Z: 4.49

PTRN

Hold

41

out of 100

Grade: D

Growth: 7.3Profit: 3.5Value: 5.0Quality: 8.0
Piotroski: 2/9Altman Z: 4.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EBAYSignificantly Overvalued (-28.7%)

Margin of Safety

-28.7%

Fair Value

$95.85

Current Price

$121.96

$26.11 premium

UndervaluedFair: $95.85Overvalued

Intrinsic value data unavailable for PTRN.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EBAY5 strengths · Avg: 9.4/10
Return on EquityProfitability
47.3%10/10

Every $100 of equity generates 47 in profit

EPS GrowthGrowth
55.0%10/10

Earnings expanding 55.0% YoY

Altman Z-ScoreHealth
4.4910/10

Safe zone — low bankruptcy risk

Market CapQuality
$52.52B9/10

Large-cap with strong market position

Operating MarginProfitability
21.6%8/10

Strong operational efficiency at 21.6%

PTRN3 strengths · Avg: 10.0/10
Revenue GrowthGrowth
46.6%10/10

Revenue surging 46.6% year-over-year

Debt/EquityHealth
0.0810/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.2010/10

Safe zone — low bankruptcy risk

Areas to Watch

EBAY4 concerns · Avg: 3.8/10
PEG RatioValuation
1.644/10

Expensive relative to growth rate

P/E RatioValuation
25.8x4/10

Moderate valuation

Price/BookValuation
11.6x4/10

Trading at 11.6x book value

Debt/EquityHealth
1.603/10

Elevated debt levels

PTRN4 concerns · Avg: 2.8/10
Profit MarginProfitability
0.9%3/10

0.9% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-23.2%2/10

ROE of -23.2% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : EBAY

The strongest argument for EBAY centers on Return on Equity, EPS Growth, Altman Z-Score. Profitability is solid with margins at 18.6% and operating margin at 21.6%. Revenue growth of 14.8% demonstrates continued momentum.

Bull Case : PTRN

The strongest argument for PTRN centers on Revenue Growth, Debt/Equity, Altman Z-Score. Revenue growth of 46.6% demonstrates continued momentum.

Bear Case : EBAY

The primary concerns for EBAY are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 1.60 is elevated, increasing financial risk.

Bear Case : PTRN

The primary concerns for PTRN are Profit Margin, Operating Margin, Piotroski F-Score. Thin 0.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

EBAY profiles as a mature stock while PTRN is a hypergrowth play — different risk/reward profiles.

PTRN is growing revenue faster at 46.6% — sustainability is the question.

EBAY generates stronger free cash flow (749M), providing more financial flexibility.

Monitor INTERNET RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

EBAY scores higher overall (70/100 vs 41/100), backed by strong 18.6% margins and 14.8% revenue growth. Both earn "Strong 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.

eBay Inc

CONSUMER CYCLICAL · INTERNET RETAIL · USA

eBay Inc. is an American multinational e-commerce corporation based in San Jose, California, that facilitates consumer-to-consumer and business-to-consumer sales through its website.

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Pattern Group Inc. Series A Common Stock

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Pattern Group Inc. operates online marketplaces that sell various consumer products. The company is headquartered in Lehi, Utah.

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