WallStSmart

ServiceNow Inc (NOW)vsRiskified Ltd (RSKD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ServiceNow Inc generates 3883% more annual revenue ($13.96B vs $350.52M). NOW leads profitability with a 12.6% profit margin vs -5.2%. NOW earns a higher WallStSmart Score of 57/100 (C).

NOW

Buy

57

out of 100

Grade: C

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

RSKD

Avoid

33

out of 100

Grade: F

Growth: 5.3Profit: 2.0Value: 6.7Quality: 7.5
Piotroski: 4/9Altman Z: 1.41
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NOWUndervalued (+83.5%)

Margin of Safety

+83.5%

Fair Value

$613.35

Current Price

$112.45

$500.90 discount

UndervaluedFair: $613.35Overvalued
RSKDUndervalued (+50.9%)

Margin of Safety

+50.9%

Fair Value

$8.95

Current Price

$4.75

$4.20 discount

UndervaluedFair: $8.95Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NOW4 strengths · Avg: 8.5/10
Market CapQuality
$107.41B9/10

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

RSKD2 strengths · Avg: 9.0/10
Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

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

RSKD4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$697.13M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-6.7%2/10

ROE of -6.7% — below average capital efficiency

Altman Z-ScoreHealth
1.412/10

Distress zone — elevated risk

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 1.01 suggests the stock is reasonably priced for its growth.

Bull Case : RSKD

The strongest argument for RSKD centers on Debt/Equity, Price/Book.

Bear Case : NOW

The primary concerns for NOW are Price/Book, EPS Growth, Altman Z-Score. A P/E of 62.0x leaves little room for execution misses.

Bear Case : RSKD

The primary concerns for RSKD are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

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

RSKD carries more volatility with a beta of 1.40 — 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 (57/100 vs 33/100) and 22.1% revenue growth. RSKD offers better value entry with a 50.9% 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.

Riskified Ltd

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Riskified Ltd. is a leading provider of innovative fraud prevention solutions designed specifically for eCommerce merchants, leveraging advanced machine learning and data analytics to deliver real-time risk assessments. The company's proprietary platform enhances transaction approval rates while effectively minimizing fraud-related losses, thereby protecting merchants' revenues and ensuring seamless customer experiences. As a prominent participant in the expanding digital payments sector, Riskified is well-positioned for sustained growth and innovation, bolstering its leadership in the evolving eCommerce landscape. Its ongoing dedication to technological advancement further strengthens its competitive advantage in a rapidly changing market.

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