WallStSmart

Palantir Technologies Inc. (PLTR)vsStoneCo Ltd (STNE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

StoneCo Ltd generates 199% more annual revenue ($13.40B vs $4.48B). PLTR leads profitability with a 36.3% profit margin vs 17.3%. STNE trades at a lower P/E of 7.1x. STNE earns a higher WallStSmart Score of 78/100 (B+).

PLTR

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 9.5Value: 2.0Quality: 9.0
Piotroski: 5/9Altman Z: 4.62

STNE

Strong Buy

78

out of 100

Grade: B+

Growth: 6.0Profit: 8.0Value: 8.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PLTRSignificantly Overvalued (-337.0%)

Margin of Safety

-337.0%

Fair Value

$29.48

Current Price

$154.96

$125.48 premium

UndervaluedFair: $29.48Overvalued
STNEUndervalued (+80.0%)

Margin of Safety

+80.0%

Fair Value

$88.45

Current Price

$14.36

$74.09 discount

UndervaluedFair: $88.45Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PLTR6 strengths · Avg: 10.0/10
Market CapQuality
$370.18B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
36.3%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
40.9%10/10

Strong operational efficiency at 40.9%

Revenue GrowthGrowth
70.0%10/10

Revenue surging 70.0% year-over-year

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.6210/10

Safe zone — low bankruptcy risk

STNE5 strengths · Avg: 9.0/10
P/E RatioValuation
7.1x10/10

Attractively priced relative to earnings

Operating MarginProfitability
46.3%10/10

Strong operational efficiency at 46.3%

Return on EquityProfitability
20.8%9/10

Every $100 of equity generates 21 in profit

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

EPS GrowthGrowth
46.1%8/10

Earnings expanding 46.1% YoY

Areas to Watch

PLTR3 concerns · Avg: 2.0/10
PEG RatioValuation
2.982/10

Expensive relative to growth rate

P/E RatioValuation
245.7x2/10

Premium valuation, high expectations priced in

Price/BookValuation
50.1x2/10

Trading at 50.1x book value

STNE0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : PLTR

The strongest argument for PLTR centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 36.3% and operating margin at 40.9%. Revenue growth of 70.0% demonstrates continued momentum.

Bull Case : STNE

The strongest argument for STNE centers on P/E Ratio, Operating Margin, Return on Equity. Profitability is solid with margins at 17.3% and operating margin at 46.3%. Revenue growth of 11.2% demonstrates continued momentum.

Bear Case : PLTR

The primary concerns for PLTR are PEG Ratio, P/E Ratio, Price/Book. A P/E of 245.7x leaves little room for execution misses.

Bear Case : STNE

No major red flags identified for STNE, but monitor valuation.

Key Dynamics to Monitor

PLTR profiles as a growth stock while STNE is a mature play — different risk/reward profiles.

STNE carries more volatility with a beta of 1.88 — expect wider price swings.

PLTR is growing revenue faster at 70.0% — sustainability is the question.

PLTR generates stronger free cash flow (764M), providing more financial flexibility.

Bottom Line

STNE scores higher overall (78/100 vs 73/100), backed by strong 17.3% margins and 11.2% revenue growth. Both earn "Strong Buy" and "Strong 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.

Palantir Technologies Inc.

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palantir Technologies Inc. creates and implements software platforms for the intelligence community in the United States to assist in counterterrorism investigations and operations. The company is headquartered in Denver, Colorado.

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StoneCo Ltd

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

StoneCo Ltd. provides fintech solutions to merchants and integrated partners to conduct e-commerce through store, online and mobile channels in Brazil.

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