WallStSmart

Nebius Group N.V. (NBIS)vsUpwork Inc (UPWK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Nebius Group N.V. generates 72% more annual revenue ($1.36B vs $787.28M). UPWK leads profitability with a 12.9% profit margin vs 3.1%. NBIS appears more attractively valued with a PEG of 0.53. UPWK earns a higher WallStSmart Score of 62/100 (C+).

NBIS

Hold

43

out of 100

Grade: D

Growth: 8.0Profit: 3.0Value: 7.7Quality: 6.5
Piotroski: 5/9Altman Z: 1.10

UPWK

Buy

62

out of 100

Grade: C+

Growth: 3.3Profit: 7.0Value: 9.3Quality: 5.0
Piotroski: 3/9Altman Z: 1.85
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NBISUndervalued (+52.2%)

Margin of Safety

+52.2%

Fair Value

$469.87

Current Price

$224.55

$245.32 discount

UndervaluedFair: $469.87Overvalued
UPWKUndervalued (+36.0%)

Margin of Safety

+36.0%

Fair Value

$22.64

Current Price

$8.72

$13.92 discount

UndervaluedFair: $22.64Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NBIS3 strengths · Avg: 9.0/10
Revenue GrowthGrowth
454.0%10/10

Revenue surging 454.0% year-over-year

Market CapQuality
$57.01B9/10

Large-cap with strong market position

PEG RatioValuation
0.538/10

Growing faster than its price suggests

UPWK4 strengths · Avg: 8.5/10
P/E RatioValuation
11.3x10/10

Attractively priced relative to earnings

PEG RatioValuation
0.988/10

Growing faster than its price suggests

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
21.8%8/10

Strong operational efficiency at 21.8%

Areas to Watch

NBIS4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
0.6%3/10

ROE of 0.6% — below average capital efficiency

Profit MarginProfitability
3.1%3/10

3.1% margin — thin

Free Cash FlowQuality
$-3.41B2/10

Negative free cash flow — burning cash

UPWK4 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

Market CapQuality
$1.10B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-1.7%2/10

Revenue declined 1.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : NBIS

The strongest argument for NBIS centers on Revenue Growth, Market Cap, PEG Ratio. Revenue growth of 454.0% demonstrates continued momentum. PEG of 0.53 suggests the stock is reasonably priced for its growth.

Bull Case : UPWK

The strongest argument for UPWK centers on P/E Ratio, PEG Ratio, Price/Book. PEG of 0.98 suggests the stock is reasonably priced for its growth.

Bear Case : NBIS

The primary concerns for NBIS are EPS Growth, Return on Equity, Profit Margin. Thin 3.1% margins leave little buffer for downturns.

Bear Case : UPWK

The primary concerns for UPWK are Altman Z-Score, Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

NBIS profiles as a hypergrowth stock while UPWK is a declining play — different risk/reward profiles.

NBIS carries more volatility with a beta of 1.44 — expect wider price swings.

NBIS is growing revenue faster at 454.0% — sustainability is the question.

UPWK generates stronger free cash flow (45M), providing more financial flexibility.

Bottom Line

UPWK scores higher overall (62/100 vs 43/100). NBIS offers better value entry with a 52.2% 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.

Nebius Group N.V.

COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA

Nebius Group N.V. (Ticker: NBIS) is an innovative technology firm that specializes in advanced digital solutions to enhance client engagement and operational efficiency across diverse sectors. By integrating cutting-edge cloud computing, artificial intelligence, and data analytics, Nebius enables businesses to adeptly manage the complexities of today's digital landscape. The company boasts a strong portfolio of intellectual property and strategic partnerships, positioning it favorably to capitalize on significant growth opportunities in the technology-driven marketplace. As such, Nebius presents a compelling investment opportunity for institutional investors seeking to gain exposure to pioneering solutions in the tech sector.

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Upwork Inc

COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA

Upwork Inc. operates an online talent marketplace that enables companies to find and work with various independent professionals and agencies in the United States, India, the Philippines, and internationally. The company is headquartered in Santa Clara, California.

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