WallStSmart

Intuit Inc (INTU)vsServiceNow Inc (NOW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Intuit Inc generates 50% more annual revenue ($20.93B vs $13.96B). INTU leads profitability with a 21.9% profit margin vs 12.6%. INTU appears more attractively valued with a PEG of 0.72. INTU earns a higher WallStSmart Score of 78/100 (B+).

INTU

Strong Buy

78

out of 100

Grade: B+

Growth: 6.7Profit: 8.5Value: 8.0Quality: 7.0
Piotroski: 6/9Altman Z: 2.52

NOW

Buy

57

out of 100

Grade: C

Growth: 7.3Profit: 6.0Value: 6.0Quality: 5.0
Piotroski: 1/9Altman Z: 1.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INTUUndervalued (+24.4%)

Margin of Safety

+24.4%

Fair Value

$371.60

Current Price

$296.76

$74.84 discount

UndervaluedFair: $371.60Overvalued
NOWUndervalued (+83.5%)

Margin of Safety

+83.5%

Fair Value

$613.35

Current Price

$112.45

$500.90 discount

UndervaluedFair: $613.35Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INTU6 strengths · Avg: 8.8/10
Operating MarginProfitability
47.0%10/10

Strong operational efficiency at 47.0%

Market CapQuality
$77.07B9/10

Large-cap with strong market position

Return on EquityProfitability
22.2%9/10

Every $100 of equity generates 22 in profit

Profit MarginProfitability
21.9%9/10

Keeps 22 of every $100 in revenue as profit

PEG RatioValuation
0.728/10

Growing faster than its price suggests

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

NOW4 strengths · Avg: 8.5/10
Market CapQuality
$107.41B9/10

Large-cap with strong market position

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
22.1%8/10

Revenue surging 22.1% year-over-year

Free Cash FlowQuality
$1.53B8/10

Generating 1.5B in free cash flow

Areas to Watch

INTU0 concerns · Avg: 0/10

No major concerns identified

NOW4 concerns · Avg: 3.8/10
Price/BookValuation
9.9x4/10

Trading at 9.9x book value

EPS GrowthGrowth
2.3%4/10

2.3% earnings growth

Altman Z-ScoreHealth
1.654/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : INTU

The strongest argument for INTU centers on Operating Margin, Market Cap, Return on Equity. Profitability is solid with margins at 21.9% and operating margin at 47.0%. Revenue growth of 10.4% 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 1.01 suggests the stock is reasonably priced for its growth.

Bear Case : INTU

No major red flags identified for INTU, but monitor valuation.

Bear Case : NOW

The primary concerns for NOW are Price/Book, EPS Growth, Altman Z-Score. A P/E of 62.0x leaves little room for execution misses.

Key Dynamics to Monitor

INTU profiles as a mature stock while NOW is a growth play — different risk/reward profiles.

INTU carries more volatility with a beta of 0.96 — expect wider price swings.

NOW is growing revenue faster at 22.1% — sustainability is the question.

INTU generates stronger free cash flow (5.2B), providing more financial flexibility.

Bottom Line

INTU scores higher overall (78/100 vs 57/100), backed by strong 21.9% margins and 10.4% revenue growth. NOW offers better value entry with a 83.5% margin of safety. Both earn "Strong 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.

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.

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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