WallStSmart

ServiceNow Inc (NOW)vsNerdy Inc (NRDY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ServiceNow Inc generates 7650% more annual revenue ($13.96B vs $180.13M). NOW leads profitability with a 12.6% profit margin vs -18.6%. NOW earns a higher WallStSmart Score of 54/100 (C-).

NOW

Buy

54

out of 100

Grade: C-

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

NRDY

Avoid

24

out of 100

Grade: F

Growth: 4.0Profit: 2.0Value: 6.7Quality: 4.5
Piotroski: 2/9Altman Z: -10.39
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NOWUndervalued (+82.6%)

Margin of Safety

+82.6%

Fair Value

$613.35

Current Price

$112.45

$500.90 discount

UndervaluedFair: $613.35Overvalued
NRDYUndervalued (+65.2%)

Margin of Safety

+65.2%

Fair Value

$2.87

Current Price

$0.82

$2.05 discount

UndervaluedFair: $2.87Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NOW4 strengths · Avg: 8.5/10
Market CapQuality
$131.65B9/10

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

NRDY0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

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

NRDY4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.4%4/10

2.4% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$157.09M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.013/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

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 1.32 suggests the stock is reasonably priced for its growth.

Bull Case : NRDY

NRDY has a balanced fundamental profile.

Bear Case : NOW

The primary concerns for NOW are Price/Book, EPS Growth, Altman Z-Score. A P/E of 76.0x leaves little room for execution misses.

Bear Case : NRDY

The primary concerns for NRDY are Revenue Growth, EPS Growth, Market Cap.

Key Dynamics to Monitor

NOW profiles as a growth stock while NRDY is a turnaround play — different risk/reward profiles.

NRDY carries more volatility with a beta of 1.76 — expect wider price swings.

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

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

Bottom Line

NOW scores higher overall (54/100 vs 24/100) and 22.1% revenue growth. NRDY offers better value entry with a 65.2% margin of safety. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

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.

Nerdy Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Nerdy Inc. is a leading online learning platform, recognized for its flagship brand, Varsity Tutors, which offers personalized educational experiences through cutting-edge technology. The company provides a comprehensive suite of services, including individualized tutoring and small group classes, catering to a wide array of subjects and educational levels. With a robust focus on data analytics to optimize learning outcomes, Nerdy is strategically positioned to leverage the growing online education market. Driven by a commitment to enhancing accessibility and empowering learners, Nerdy Inc. is set to play a pivotal role in the evolution of education.

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