Shopify Inc (SHOP)vsUpbound Group Inc. (UPBD)
SHOP
Shopify Inc
$142.25
-2.00%
TECHNOLOGY · Cap: $165.33B
UPBD
Upbound Group Inc.
$16.09
+1.39%
TECHNOLOGY · Cap: $978.26M
Smart Verdict
WallStSmart Research — data-driven comparison
Shopify Inc generates 180% more annual revenue ($13.27B vs $4.74B). SHOP leads profitability with a 14.5% profit margin vs 1.9%. UPBD appears more attractively valued with a PEG of 1.39. SHOP earns a higher WallStSmart Score of 64/100 (C+).
SHOP
Buy64
out of 100
Grade: C+
UPBD
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.5%
Fair Value
$152.79
Current Price
$142.25
$10.54 discount
Margin of Safety
+34.6%
Fair Value
$30.28
Current Price
$16.09
$14.19 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 33.7% year-over-year
Earnings expanding 68.1% YoY
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 42.3% YoY
Areas to Watch
Expensive relative to growth rate
Trading at 14.5x book value
Weak financial health signals
Premium valuation, high expectations priced in
0.5% revenue growth
Smaller company, higher risk/reward
1.9% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : SHOP
The strongest argument for SHOP centers on Revenue Growth, EPS Growth, Debt/Equity. Revenue growth of 33.7% 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 86.8x 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 2.33 is elevated, increasing financial risk. Thin 1.9% 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 2.62 — expect wider price swings.
SHOP is growing revenue faster at 33.7% — sustainability is the question.
SHOP generates stronger free cash flow (654M), providing more financial flexibility.
Bottom Line
SHOP scores higher overall (64/100 vs 63/100) and 33.7% revenue growth. UPBD offers better value entry with a 34.6% 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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