Shopify Inc (SHOP)vsUpbound Group Inc. (UPBD)
SHOP
Shopify Inc
$111.62
-5.60%
TECHNOLOGY · Cap: $145.36B
UPBD
Upbound Group Inc.
$19.84
+0.38%
TECHNOLOGY · Cap: $1.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Shopify Inc generates 161% more annual revenue ($12.37B vs $4.74B). SHOP leads profitability with a 10.8% profit margin vs 1.8%. UPBD appears more attractively valued with a PEG of 1.39. UPBD earns a higher WallStSmart Score of 63/100 (C+).
SHOP
Buy50
out of 100
Grade: C-
UPBD
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+18.2%
Fair Value
$143.01
Current Price
$111.62
$31.39 discount
Margin of Safety
+35.5%
Fair Value
$30.71
Current Price
$19.84
$10.87 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 34.3% year-over-year
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 45.2% YoY
Areas to Watch
Expensive relative to growth rate
Trading at 11.6x book value
Weak financial health signals
Premium valuation, high expectations priced in
3.7% revenue growth
Smaller company, higher risk/reward
1.8% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : SHOP
The strongest argument for SHOP centers on Revenue Growth, Debt/Equity, Altman Z-Score. Revenue growth of 34.3% demonstrates continued momentum.
Bull Case : UPBD
The strongest argument for UPBD centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.39 suggests the stock is reasonably priced for its growth.
Bear Case : SHOP
The primary concerns for SHOP are PEG Ratio, Price/Book, Piotroski F-Score. A P/E of 109.8x leaves little room for execution misses.
Bear Case : UPBD
The primary concerns for UPBD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.41 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
SHOP profiles as a growth stock while UPBD is a value play — different risk/reward profiles.
SHOP carries more volatility with a beta of 2.59 — expect wider price swings.
SHOP is growing revenue faster at 34.3% — sustainability is the question.
SHOP generates stronger free cash flow (476M), providing more financial flexibility.
Bottom Line
UPBD scores higher overall (63/100 vs 50/100). SHOP offers better value entry with a 18.2% margin of safety. 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.
Shopify Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Shopify Inc., a commerce company, offers a commerce and service platform in Canada, the United States, the United Kingdom, Australia, Latin America, and internationally. The company is headquartered in Ottawa, Canada.
Upbound Group Inc.
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Upbound Group, Inc., an omni-channel platform company, leases household durable goods to customers on a lease-to-own basis in the United States, Puerto Rico, and Mexico. The company is headquartered in Plano, Texas.
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