WallStSmart

ServiceNow Inc (NOW)vsNetSol Technologies Inc (NTWK)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ServiceNow Inc generates 18930% more annual revenue ($13.28B vs $69.77M). NOW leads profitability with a 13.2% profit margin vs 2.7%. NTWK appears more attractively valued with a PEG of 0.35. NTWK earns a higher WallStSmart Score of 65/100 (C+).

NOW

Buy

56

out of 100

Grade: C

Growth: 7.3Profit: 7.0Value: 4.7Quality: 3.8
Piotroski: 1/9Altman Z: 1.65

NTWK

Buy

65

out of 100

Grade: C+

Growth: 5.3Profit: 5.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NOWSignificantly Overvalued (-404.2%)

Margin of Safety

-404.2%

Fair Value

$20.44

Current Price

$103.06

$82.62 premium

UndervaluedFair: $20.44Overvalued
NTWKUndervalued (+57.7%)

Margin of Safety

+57.7%

Fair Value

$7.49

Current Price

$3.39

$4.10 discount

UndervaluedFair: $7.49Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NOW3 strengths · Avg: 8.3/10
Market CapQuality
$110.42B9/10

Large-cap with strong market position

Revenue GrowthGrowth
20.7%8/10

Revenue surging 20.7% year-over-year

Free Cash FlowQuality
$2.00B8/10

Generating 2.0B in free cash flow

NTWK3 strengths · Avg: 9.3/10
PEG RatioValuation
0.3510/10

Growing faster than its price suggests

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
21.1%8/10

Revenue surging 21.1% year-over-year

Areas to Watch

NOW4 concerns · Avg: 3.8/10
Price/BookValuation
8.3x4/10

Trading at 8.3x book value

EPS GrowthGrowth
3.4%4/10

3.4% earnings growth

Altman Z-ScoreHealth
1.654/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

NTWK4 concerns · Avg: 3.0/10
EPS GrowthGrowth
3.2%4/10

3.2% earnings growth

Market CapQuality
$41.36M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Free Cash FlowQuality
$-5.12M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : NOW

The strongest argument for NOW centers on Market Cap, Revenue Growth, Free Cash Flow. Revenue growth of 20.7% demonstrates continued momentum. PEG of 1.06 suggests the stock is reasonably priced for its growth.

Bull Case : NTWK

The strongest argument for NTWK centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 21.1% demonstrates continued momentum. PEG of 0.35 suggests the stock is reasonably priced for its growth.

Bear Case : NOW

The primary concerns for NOW are Price/Book, EPS Growth, Altman Z-Score. A P/E of 62.7x leaves little room for execution misses.

Bear Case : NTWK

The primary concerns for NTWK are EPS Growth, Market Cap, Profit Margin. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

NOW carries more volatility with a beta of 1.02 — expect wider price swings.

NTWK is growing revenue faster at 21.1% — sustainability is the question.

NOW generates stronger free cash flow (2.0B), providing more financial flexibility.

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

Bottom Line

NTWK scores higher overall (65/100 vs 56/100) and 21.1% revenue growth. Both earn "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.

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.

NetSol Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

NetSol Technologies, Inc. designs, develops, markets and exports software products to the global auto finance and leasing, banking and financial services industries. The company is headquartered in Calabasas, California.

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