WallStSmart

PagSeguro Digital Ltd (PAGS)vsPalo Alto Networks Inc (PANW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PagSeguro Digital Ltd generates 87% more annual revenue ($19.81B vs $10.61B). PAGS leads profitability with a 10.8% profit margin vs 8.0%. PAGS trades at a lower P/E of 6.4x. PAGS earns a higher WallStSmart Score of 67/100 (B-).

PAGS

Strong Buy

67

out of 100

Grade: B-

Growth: 5.3Profit: 7.0Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: 1.24

PANW

Hold

47

out of 100

Grade: D+

Growth: 9.3Profit: 3.5Value: 4.7Quality: 4.5
Piotroski: 1/9Altman Z: 1.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for PAGS.

PANWUndervalued (+32.8%)

Margin of Safety

+32.8%

Fair Value

$467.52

Current Price

$314.15

$153.37 discount

UndervaluedFair: $467.52Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PAGS3 strengths · Avg: 10.0/10
P/E RatioValuation
6.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

PANW4 strengths · Avg: 10.0/10
Market CapQuality
$273.25B10/10

Mega-cap, among the largest globally

Revenue GrowthGrowth
31.1%10/10

Revenue surging 31.1% year-over-year

EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Areas to Watch

PAGS3 concerns · Avg: 2.3/10
Revenue GrowthGrowth
1.5%4/10

1.5% revenue growth

Altman Z-ScoreHealth
1.242/10

Distress zone — elevated risk

Debt/EquityHealth
3.191/10

Elevated debt levels

PANW4 concerns · Avg: 3.3/10
Price/BookValuation
9.2x4/10

Trading at 9.2x book value

Return on EquityProfitability
3.0%3/10

ROE of 3.0% — below average capital efficiency

Profit MarginProfitability
8.0%3/10

8.0% margin — thin

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : PAGS

The strongest argument for PAGS centers on P/E Ratio, Price/Book, Operating Margin.

Bull Case : PANW

The strongest argument for PANW centers on Market Cap, Revenue Growth, EPS Growth. Revenue growth of 31.1% demonstrates continued momentum.

Bear Case : PAGS

The primary concerns for PAGS are Revenue Growth, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.19 is elevated, increasing financial risk.

Bear Case : PANW

The primary concerns for PANW are Price/Book, Return on Equity, Profit Margin. A P/E of 294.1x leaves little room for execution misses.

Key Dynamics to Monitor

PAGS profiles as a value stock while PANW is a hypergrowth play — different risk/reward profiles.

PAGS carries more volatility with a beta of 1.29 — expect wider price swings.

PANW is growing revenue faster at 31.1% — sustainability is the question.

PANW generates stronger free cash flow (788M), providing more financial flexibility.

Bottom Line

PAGS scores higher overall (67/100 vs 47/100). PANW offers better value entry with a 32.8% margin of safety. Both earn "Strong 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.

PagSeguro Digital Ltd

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

PagSeguro Digital Ltd., provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company is headquartered in So Paulo, Brazil.

Palo Alto Networks Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palo Alto Networks, Inc. provides cybersecurity platform solutions globally. The company is headquartered in Santa Clara, California.

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