WallStSmart

ServiceNow Inc (NOW)vsPattern Group Inc. Series A Common Stock (PTRN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ServiceNow Inc generates 431% more annual revenue ($13.28B vs $2.50B). PTRN leads profitability with a 65.0% profit margin vs 13.2%. NOW earns a higher WallStSmart Score of 56/100 (C).

NOW

Buy

56

out of 100

Grade: C

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

PTRN

Hold

47

out of 100

Grade: D+

Growth: 9.3Profit: 5.5Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 5.46
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

Intrinsic value data unavailable for PTRN.

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

PTRN5 strengths · Avg: 9.6/10
Profit MarginProfitability
65.0%10/10

Keeps 65 of every $100 in revenue as profit

Revenue GrowthGrowth
40.3%10/10

Revenue surging 40.3% year-over-year

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.4610/10

Safe zone — low bankruptcy risk

EPS GrowthGrowth
24.4%8/10

Earnings expanding 24.4% YoY

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

PTRN3 concerns · Avg: 3.0/10
Return on EquityProfitability
3.4%3/10

ROE of 3.4% — below average capital efficiency

Operating MarginProfitability
3.6%3/10

Operating margin of 3.6%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : PTRN

The strongest argument for PTRN centers on Profit Margin, Revenue Growth, Debt/Equity. Profitability is solid with margins at 65.0% and operating margin at 3.6%. Revenue growth of 40.3% demonstrates continued momentum.

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 : PTRN

The primary concerns for PTRN are Return on Equity, Operating Margin, Piotroski F-Score.

Key Dynamics to Monitor

PTRN is growing revenue faster at 40.3% — 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

NOW scores higher overall (56/100 vs 47/100) and 20.7% revenue growth. 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.

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.

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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