WallStSmart

Intuit Inc (INTU)vsPattern Group Inc. Series A Common Stock (PTRN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Intuit Inc generates 636% more annual revenue ($20.12B vs $2.73B). INTU leads profitability with a 21.6% profit margin vs 0.8%. INTU earns a higher WallStSmart Score of 71/100 (B).

INTU

Strong Buy

71

out of 100

Grade: B

Growth: 8.7Profit: 8.0Value: 6.0Quality: 6.3
Piotroski: 6/9Altman Z: 2.52

PTRN

Hold

40

out of 100

Grade: F

Growth: 7.3Profit: 4.5Value: 6.7Quality: 8.0
Piotroski: 3/9Altman Z: 5.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INTUUndervalued (+2.0%)

Margin of Safety

+2.0%

Fair Value

$404.54

Current Price

$396.31

$8.23 discount

UndervaluedFair: $404.54Overvalued
PTRNUndervalued (+87.1%)

Margin of Safety

+87.1%

Fair Value

$81.60

Current Price

$15.92

$65.68 discount

UndervaluedFair: $81.60Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INTU6 strengths · Avg: 8.5/10
Market CapQuality
$110.28B9/10

Large-cap with strong market position

Return on EquityProfitability
23.5%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
21.6%9/10

Keeps 22 of every $100 in revenue as profit

Revenue GrowthGrowth
17.4%8/10

17.4% revenue growth

EPS GrowthGrowth
48.5%8/10

Earnings expanding 48.5% YoY

Free Cash FlowQuality
$1.52B8/10

Generating 1.5B in free cash flow

PTRN3 strengths · Avg: 10.0/10
Revenue GrowthGrowth
43.2%10/10

Revenue surging 43.2% year-over-year

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.4610/10

Safe zone — low bankruptcy risk

Areas to Watch

INTU1 concerns · Avg: 4.0/10
P/E RatioValuation
25.8x4/10

Moderate valuation

PTRN4 concerns · Avg: 2.8/10
Return on EquityProfitability
4.5%3/10

ROE of 4.5% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-2.7%2/10

Earnings declined 2.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : INTU

The strongest argument for INTU centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 21.6% and operating margin at 18.4%. Revenue growth of 17.4% demonstrates continued momentum.

Bull Case : PTRN

The strongest argument for PTRN centers on Revenue Growth, Debt/Equity, Altman Z-Score. Revenue growth of 43.2% demonstrates continued momentum.

Bear Case : INTU

The primary concerns for INTU are P/E Ratio.

Bear Case : PTRN

The primary concerns for PTRN are Return on Equity, Profit Margin, Piotroski F-Score. Thin 0.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

INTU profiles as a growth stock while PTRN is a hypergrowth play — different risk/reward profiles.

PTRN is growing revenue faster at 43.2% — sustainability is the question.

INTU generates stronger free cash flow (1.5B), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

INTU scores higher overall (71/100 vs 40/100), backed by strong 21.6% margins and 17.4% revenue growth. PTRN offers better value entry with a 87.1% margin of safety. 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.

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.

Pattern Group Inc. Series A Common Stock

TECHNOLOGY · SOFTWARE - APPLICATION · USA

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

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