WallStSmart

Flywire Corp (FLYW)vsPalo Alto Networks Inc (PANW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 1509% more annual revenue ($11.48B vs $713.54M). FLYW leads profitability with a 4.8% profit margin vs 2.7%. FLYW trades at a lower P/E of 65.8x. PANW earns a higher WallStSmart Score of 51/100 (C-).

FLYW

Hold

39

out of 100

Grade: F

Growth: 6.7Profit: 3.5Value: 5.7Quality: 5.8
Piotroski: 4/9Altman Z: 1.78

PANW

Buy

51

out of 100

Grade: C-

Growth: 9.3Profit: 4.5Value: 5.3Quality: 4.8
Piotroski: 1/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FLYWUndervalued (+69.1%)

Margin of Safety

+69.1%

Fair Value

$36.02

Current Price

$17.87

$18.15 discount

UndervaluedFair: $36.02Overvalued
PANWUndervalued (+34.1%)

Margin of Safety

+34.1%

Fair Value

$501.81

Current Price

$330.65

$171.16 discount

UndervaluedFair: $501.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FLYW2 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
27.2%8/10

Revenue surging 27.2% year-over-year

PANW4 strengths · Avg: 10.0/10
Market CapQuality
$270.47B10/10

Mega-cap, among the largest globally

Revenue GrowthGrowth
34.4%10/10

Revenue surging 34.4% year-over-year

EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

Areas to Watch

FLYW4 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.784/10

Distress zone — elevated risk

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
4.8%3/10

4.8% margin — thin

P/E RatioValuation
65.8x2/10

Premium valuation, high expectations priced in

PANW4 concerns · Avg: 3.5/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Price/BookValuation
9.8x4/10

Trading at 9.8x book value

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : FLYW

The strongest argument for FLYW centers on Price/Book, Revenue Growth. Revenue growth of 27.2% demonstrates continued momentum.

Bull Case : PANW

The strongest argument for PANW centers on Market Cap, Revenue Growth, EPS Growth. Revenue growth of 34.4% demonstrates continued momentum.

Bear Case : FLYW

The primary concerns for FLYW are Altman Z-Score, Return on Equity, Profit Margin. A P/E of 65.8x leaves little room for execution misses. Thin 4.8% margins leave little buffer for downturns.

Bear Case : PANW

The primary concerns for PANW are PEG Ratio, Price/Book, Return on Equity. A P/E of 295.2x leaves little room for execution misses. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

FLYW profiles as a growth stock while PANW is a hypergrowth play — different risk/reward profiles.

FLYW carries more volatility with a beta of 1.31 — expect wider price swings.

PANW is growing revenue faster at 34.4% — sustainability is the question.

PANW generates stronger free cash flow (788M), providing more financial flexibility.

Bottom Line

PANW scores higher overall (51/100 vs 39/100) and 34.4% revenue growth. FLYW offers better value entry with a 69.1% margin of safety. 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.

Flywire Corp

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Flywire Corporation is a payments enablement and software company in the United States and internationally. The company is headquartered in Boston, Massachusetts.

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Palo Alto Networks Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palo Alto Networks, Inc. provides cybersecurity platform solutions globally. The company is headquartered in Santa Clara, California.

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