WallStSmart

Microsoft Corporation (MSFT)vsOneSpan Inc (OSPN)

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Smart Verdict

WallStSmart Research — data-driven comparison

Microsoft Corporation generates 125508% more annual revenue ($305.45B vs $243.18M). MSFT leads profitability with a 39.0% profit margin vs 30.0%. OSPN appears more attractively valued with a PEG of 0.72. OSPN earns a higher WallStSmart Score of 81/100 (A-).

MSFT

Strong Buy

74

out of 100

Grade: B

Growth: 8.7Profit: 9.5Value: 10.0Quality: 7.0
Piotroski: 4/9Altman Z: 2.51

OSPN

Exceptional Buy

81

out of 100

Grade: A-

Growth: 6.0Profit: 9.0Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MSFTUndervalued (+50.1%)

Margin of Safety

+50.1%

Fair Value

$747.40

Current Price

$371.04

$376.36 discount

UndervaluedFair: $747.40Overvalued
OSPNUndervalued (+87.5%)

Margin of Safety

+87.5%

Fair Value

$87.98

Current Price

$10.69

$77.29 discount

UndervaluedFair: $87.98Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MSFT6 strengths · Avg: 9.7/10
Market CapQuality
$2.85T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
34.4%10/10

Every $100 of equity generates 34 in profit

Profit MarginProfitability
39.0%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
47.1%10/10

Strong operational efficiency at 47.1%

EPS GrowthGrowth
59.8%10/10

Earnings expanding 59.8% YoY

Revenue GrowthGrowth
16.7%8/10

16.7% revenue growth

OSPN6 strengths · Avg: 9.7/10
P/E RatioValuation
5.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Return on EquityProfitability
30.1%10/10

Every $100 of equity generates 30 in profit

Profit MarginProfitability
30.0%10/10

Keeps 30 of every $100 in revenue as profit

EPS GrowthGrowth
57.4%10/10

Earnings expanding 57.4% YoY

PEG RatioValuation
0.728/10

Growing faster than its price suggests

Areas to Watch

MSFT0 concerns · Avg: 0/10

No major concerns identified

OSPN2 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.9%4/10

2.9% revenue growth

Market CapQuality
$412.59M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull Case : MSFT

The strongest argument for MSFT centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 39.0% and operating margin at 47.1%. Revenue growth of 16.7% demonstrates continued momentum.

Bull Case : OSPN

The strongest argument for OSPN centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 30.0% and operating margin at 21.4%. PEG of 0.72 suggests the stock is reasonably priced for its growth.

Bear Case : MSFT

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

Bear Case : OSPN

The primary concerns for OSPN are Revenue Growth, Market Cap.

Key Dynamics to Monitor

MSFT profiles as a growth stock while OSPN is a value play — different risk/reward profiles.

OSPN carries more volatility with a beta of 1.53 — expect wider price swings.

MSFT is growing revenue faster at 16.7% — sustainability is the question.

MSFT generates stronger free cash flow (5.9B), providing more financial flexibility.

Bottom Line

OSPN scores higher overall (81/100 vs 74/100), backed by strong 30.0% margins. MSFT offers better value entry with a 50.1% margin of safety. Both earn "Exceptional Buy" and "Strong 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.

Microsoft Corporation

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Microsoft Corporation is an American multinational technology company which produces computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2016. It is considered one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Amazon, and Facebook.

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OneSpan Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

OneSpan Inc. designs, develops and markets digital solutions for identity, security and business productivity globally. The company is headquartered in Chicago, Illinois.

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