WallStSmart

Intel Corporation (INTC)vsPaylocity Holdng (PCTY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Intel Corporation generates 3101% more annual revenue ($53.76B vs $1.68B). PCTY leads profitability with a 14.2% profit margin vs -5.9%. INTC appears more attractively valued with a PEG of 0.50. PCTY earns a higher WallStSmart Score of 68/100 (B-).

INTC

Hold

37

out of 100

Grade: F

Growth: 3.3Profit: 3.5Value: 5.7Quality: 7.0
Piotroski: 5/9Altman Z: 1.69

PCTY

Strong Buy

68

out of 100

Grade: B-

Growth: 8.7Profit: 7.0Value: 7.3Quality: 4.8
Piotroski: 6/9Altman Z: 1.22
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INTCSignificantly Overvalued (-30.5%)

Margin of Safety

-30.5%

Fair Value

$34.96

Current Price

$94.48

$59.52 premium

UndervaluedFair: $34.96Overvalued
PCTYUndervalued (+61.6%)

Margin of Safety

+61.6%

Fair Value

$280.52

Current Price

$107.94

$172.58 discount

UndervaluedFair: $280.52Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INTC2 strengths · Avg: 10.0/10
Market CapQuality
$474.86B10/10

Mega-cap, among the largest globally

PEG RatioValuation
0.5010/10

Growing faster than its price suggests

PCTY2 strengths · Avg: 8.5/10
Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

EPS GrowthGrowth
39.4%8/10

Earnings expanding 39.4% YoY

Areas to Watch

INTC4 concerns · Avg: 2.5/10
Altman Z-ScoreHealth
1.694/10

Distress zone — elevated risk

Return on EquityProfitability
-2.9%2/10

ROE of -2.9% — below average capital efficiency

EPS GrowthGrowth
-71.7%2/10

Earnings declined 71.7%

Free Cash FlowQuality
$-2.54B2/10

Negative free cash flow — burning cash

PCTY2 concerns · Avg: 3.0/10
P/E RatioValuation
25.4x4/10

Moderate valuation

Altman Z-ScoreHealth
1.222/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : INTC

The strongest argument for INTC centers on Market Cap, PEG Ratio. PEG of 0.50 suggests the stock is reasonably priced for its growth.

Bull Case : PCTY

The strongest argument for PCTY centers on Return on Equity, EPS Growth. Revenue growth of 10.4% demonstrates continued momentum. PEG of 1.13 suggests the stock is reasonably priced for its growth.

Bear Case : INTC

The primary concerns for INTC are Altman Z-Score, Return on Equity, EPS Growth.

Bear Case : PCTY

The primary concerns for PCTY are P/E Ratio, Altman Z-Score.

Key Dynamics to Monitor

INTC profiles as a turnaround stock while PCTY is a value play — different risk/reward profiles.

INTC carries more volatility with a beta of 1.35 — expect wider price swings.

PCTY is growing revenue faster at 10.4% — sustainability is the question.

PCTY generates stronger free cash flow (114M), providing more financial flexibility.

Bottom Line

PCTY scores higher overall (68/100 vs 37/100) and 10.4% 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.

Intel Corporation

TECHNOLOGY · SEMICONDUCTORS · USA

Intel Corporation is an American multinational corporation and technology company headquartered in Santa Clara, California, in Silicon Valley. It is the world's largest semiconductor chip manufacturer by revenue, and is the developer of the x86 series of microprocessors, the processors found in most personal computers (PCs).

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Paylocity Holdng

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Paylocity Holding Corporation provides cloud-based payroll and human capital management software solutions for midsize organizations in the United States. The company is headquartered in Schaumburg, Illinois.

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