Compare Stocks › GRMN vs NOW
Garmin Ltd. (GRMN) vs ServiceNow, Inc. (NOW)
GRMN
Garmin Ltd.
$235.11
VS
NOW
ServiceNow, Inc.
$113.27
Rewards
GRMN
- ★Garmin Ltd. has maintained ROIC above 10% for 4 consecutive years, suggesting solid business economics.
- ★Garmin Ltd. scores 91/100 on the Economic Moat Score (Wide Moat), with reinvestment efficiency as the strongest competitive dimension.
- ★Free cash flow has grown at a 35.8% CAGR over the past 4 years, demonstrating strong earnings power growth.
NOW
- ★Gross margin of 77.5% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Free cash flow has grown at a 27.8% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $16.65 of market value — management is an exceptional capital allocator.
Risks
GRMN
- ⚠Despite buyback spending, shares outstanding increased in 3 out of 4 years — stock-based compensation is offsetting repurchases.
- ⚠10 insider sales totaling $11.5M with no purchases in the past 3 months — insiders are reducing their exposure.
NOW
- ⚠Despite buyback spending, shares outstanding increased in 3 out of 3 years — stock-based compensation is offsetting repurchases.
- ⚠PEG ratio of 19.95 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
Key Valuation Metrics
Learn more →GRMN
NOW
Valuation
$1.36B
Free Cash Flow
$4.95B
3.01%
FCF Yield
4.14%
27.40
Trailing P/E
67.83
23.12
Forward P/E
22.56
Quality & Moat
18.04%
ROIC
11.27%
18.54%
ROE
13.48%
58.74%
Gross Margin
77.53%
1.29
PEG Ratio
19.95
Balance Sheet Safety
0.02
Debt / Equity
0.19
N/A
Interest Coverage
N/A
-1.23
Net Debt / EBITDA
-1.42
1.79%
Dividend Yield
N/A
GRMN: 5Ties: 2NOW: 4
GRMNNOW
Historical Fundamentals
Learn more →GRMN
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
NOW
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →GRMN
$8.32
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$2.57B
Δ Market Cap
+$21.39B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
NOW
$16.65
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$4.90B
Δ Market Cap
+$81.66B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →GRMN
14.2% Overvalued
Price is 14.2% above estimated fair value
Current Price: $235.11
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $205.90
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
NOW
45.8% Overvalued
Price is 45.8% above estimated fair value
Current Price: $113.27
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $77.67
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →GRMN
What growth rate is the market pricing in at $235?
+11.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +13.8%
The market implies +11.1% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +13.8%, reflecting heavy growth investment expected to generate future returns.
NOW
What growth rate is the market pricing in at $113?
+24.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +9.8%
The market implies +24.1% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +9.8%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →GRMN
91/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. Reinvestment Efficiency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
NOW
61/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
Forensic Accounting
Learn more →GRMN
-2.26
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
NOW
-2.87
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →GRMN
Insiders 14.9%Institutions 57.6%Retail & Other 27.5%
No. of Institutional Holders1,366
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
NOW
Insiders 0.2%Institutions 90.0%Retail & Other 9.8%
No. of Institutional Holders3,199
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →GRMN
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
NOW
1
Buys (3M)
1
Buys (12M)
Total value (12M): $3.00M
MCDERMOTT WILLIAM R
Chief Executive Officer
$3.00M
@ $104.60 · 2026-02-27
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →GRMN
10
Sells (3M)
17
Sells (12M)
Total value (12M): $19.12M
LINK EDWARD J.
Officer
$310,647
@ $243.64 · 2026-03-10
MUNN MATTHEW W.
Officer
$1.32M
@ $250.97 · 2026-02-26
LYMAN SUSAN
Officer
$956,258
@ $251.32 · 2026-02-26
BOESSEN DOUGLAS G
Chief Financial Officer
$877,541
@ $251.66 · 2026-02-26
DESBOIS PATRICK
Chief Operating Officer
$1.68M
@ $251.65 · 2026-02-26
PEMBLE CLIFTON A
Chief Executive Officer
$5.01M
@ $251.58 · 2026-02-26
MINARD LAURIE A
Officer
$206,976
@ $247.28 · 2026-02-23
BIDDLECOMBE SEAN MICHAEL
Officer
$257,854
@ $240.76 · 2026-02-20
BOESSEN DOUGLAS G
Chief Financial Officer
$103,181
@ $215.41 · 2026-02-13
DESBOIS PATRICK
Chief Operating Officer
$773,868
@ $210.40 · 2026-01-07
BOESSEN DOUGLAS G
Chief Financial Officer
$512,562
@ $206.26 · 2025-12-16
PEMBLE CLIFTON A
Chief Executive Officer
$2.15M
@ $206.23 · 2025-12-16
WANG CHENG-WEI
Officer
$2.37M
@ $232.48 · 2025-08-27
LINK EDWARD J.
Officer
$395,140
@ $230.00 · 2025-08-11
MINARD LAURIE A
Officer
$181,010
@ $230.00 · 2025-08-06
BOESSEN DOUGLAS G
Chief Financial Officer
$399,685
@ $215.00 · 2025-07-03
PEMBLE CLIFTON A
Chief Executive Officer
$1.61M
@ $203.25 · 2025-06-16
LYMAN SUSAN
Officer
$609,677
@ $215.51 · 2025-03-10
MUNN MATTHEW W.
Officer
$1.04M
@ $225.31 · 2025-02-28
BOESSEN DOUGLAS G
Chief Financial Officer
$625,969
@ $226.55 · 2025-02-28
DESBOIS PATRICK
Chief Operating Officer
$1.57M
@ $227.15 · 2025-02-26
PEMBLE CLIFTON A
Chief Executive Officer
$1.64M
@ $227.14 · 2025-02-26
MINARD LAURIE A
Officer
$177,952
@ $226.11 · 2025-02-24
BOESSEN DOUGLAS G
Chief Financial Officer
$366,277
@ $207.99 · 2024-12-20
PEMBLE CLIFTON A
Chief Executive Officer
$2.20M
@ $216.58 · 2024-12-16
BOESSEN DOUGLAS G
Chief Financial Officer
$193,655
@ $216.62 · 2024-12-16
BIDDLECOMBE SEAN MICHAEL
Officer
$123,328
@ $210.10 · 2024-11-07
STRAUB PHILIP I
Officer
$499,023
@ $181.46 · 2024-08-30
MINARD LAURIE A
Officer
$15,815
@ $181.78 · 2024-08-28
WANG CHENG-WEI
Officer
$1.78M
@ $177.16 · 2024-08-21
PEMBLE CLIFTON A
Chief Executive Officer
$2.55M
@ $160.21 · 2024-06-18
BOESSEN DOUGLAS G
Chief Financial Officer
$379,839
@ $161.63 · 2024-06-10
BOESSEN DOUGLAS G
Chief Financial Officer
$379,839
@ $161.63 · 2024-06-10
DESBOIS PATRICK
Officer
$674,675
@ $163.52 · 2024-06-04
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
NOW
4
Sells (3M)
48
Sells (12M)
Total value (12M): $27.80M
FIPPS PAUL
Officer
$376,142
@ $101.77 · 2026-02-23
FIPPS PAUL
Officer
$1.02M
@ $105.93 · 2026-02-18
MCBRIDE KEVIN THOMAS
Officer
$147,994
@ $105.71 · 2026-02-13
CHAMBERLAIN PAUL EDWARD
Director
$151,755
@ $101.17 · 2026-02-12
MASTANTUONO GINA
President
$352,750
@ $850.00 · 2025-12-05
MASTANTUONO GINA
President
$336,936
@ $808.00 · 2025-11-28
JACKSON LAWRENCE
Director
$214,708
@ $810.22 · 2025-11-28
CHAMBERLAIN PAUL EDWARD
Director
$242,400
@ $808.00 · 2025-11-28
CANNEY JACQUELINE P
Officer
$200,549
@ $839.12 · 2025-11-18
FIPPS PAUL
Officer
$249,353
@ $817.55 · 2025-11-18
TZITZON NICHOLAS
Officer
$431,736
@ $827.08 · 2025-11-18
ELMER RUSSELL S.
General Counsel
$160,155
@ $838.51 · 2025-11-18
MCBRIDE KEVIN THOMAS
Officer
$235,894
@ $842.48 · 2025-11-14
CANNEY JACQUELINE P
Officer
$56,257
@ $852.38 · 2025-11-13
ELMER RUSSELL S.
General Counsel
$52,848
@ $852.39 · 2025-11-13
CANNEY JACQUELINE P
Officer
$222,012
@ $863.86 · 2025-11-10
ELMER RUSSELL S.
General Counsel
$164,997
@ $863.86 · 2025-11-10
SANDS ANITA M
Director
$1.00M
@ $915.11 · 2025-08-29
MCDERMOTT WILLIAM R
Chief Executive Officer
$5.34M
@ $916.63 · 2025-08-28
FIPPS PAUL
Officer
$1.30M
@ $895.32 · 2025-08-20
ELMER RUSSELL S.
General Counsel
$1.50M
@ $884.26 · 2025-08-20
MCDERMOTT WILLIAM R
Chief Executive Officer
$1.43M
@ $900.00 · 2025-08-19
CANNEY JACQUELINE P
Officer
$1.35M
@ $866.45 · 2025-08-18
MASTANTUONO GINA
President
$1.53M
@ $866.45 · 2025-08-18
TZITZON NICHOLAS
Officer
$1.49M
@ $866.45 · 2025-08-18
MCBRIDE KEVIN THOMAS
Officer
$238,496
@ $851.77 · 2025-08-15
CHAMBERLAIN PAUL EDWARD
Director
$258,000
@ $860.00 · 2025-08-14
CANNEY JACQUELINE P
Officer
$57,658
@ $860.57 · 2025-08-13
MASTANTUONO GINA
President
$72,288
@ $860.57 · 2025-08-13
CANNEY JACQUELINE P
Officer
$225,746
@ $878.39 · 2025-08-08
MASTANTUONO GINA
President
$256,490
@ $878.39 · 2025-08-08
JACKSON LAWRENCE
Director
$749,805
@ $990.50 · 2025-07-29
CANNEY JACQUELINE P
Officer
$341,631
@ $965.06 · 2025-07-16
SANDS ANITA M
Director
$250,950
@ $1050.00 · 2025-07-03
MCBRIDE KEVIN THOMAS
Officer
$283,310
@ $1011.82 · 2025-06-03
SANDS ANITA M
Director
$250,267
@ $1009.14 · 2025-06-02
CANNEY JACQUELINE P
Officer
$147,900
@ $1020.00 · 2025-05-30
TZITZON NICHOLAS
Officer
$1.19M
@ $1020.00 · 2025-05-30
MCDERMOTT WILLIAM R
Chief Executive Officer
$2.07M
@ $1012.01 · 2025-05-30
SANDS ANITA M
Director
$433,825
@ $1013.61 · 2025-05-27
BRIGGS TERESA
Director
$216,913
@ $1013.61 · 2025-05-27
LUDDY FREDERIC B
Director
$428,000
@ $1000.00 · 2025-05-23
MASTANTUONO GINA
President
$121,570
@ $1030.25 · 2025-05-19
CANNEY JACQUELINE P
Officer
$96,844
@ $1030.26 · 2025-05-19
ELMER RUSSELL S.
General Counsel
$83,450
@ $1030.25 · 2025-05-19
CHAMBERLAIN PAUL EDWARD
Director
$310,326
@ $1034.42 · 2025-05-15
MASTANTUONO GINA
President
$85,932
@ $1023.00 · 2025-05-13
CANNEY JACQUELINE P
Officer
$67,518
@ $1023.00 · 2025-05-13
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →GRMN
😐Neutral(52/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
NOW
😨Fear(38/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →GRMN
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (52)
NOW
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Fear (38)