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BSY vs MSFT

BSY
Bentley Systems, Incorporated
NEUTRAL
Price
$34.35
Market Cap
$10.43B
Sector
Technology
AI Confidence
85%
MSFT
Microsoft Corporation
BULLISH
Price
$374.33
Market Cap
$2.78T
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
BSY
40.41
MSFT
23.42
Forward P/E
BSY
21.82
MSFT
19.86
P/B Ratio
BSY
9.04
MSFT
7.11
P/S Ratio
BSY
6.94
MSFT
9.11
EV/EBITDA
BSY
28.17
MSFT
16.05

Profitability

Gross Margin
BSY
81.52%
MSFT
68.59%
Operating Margin
BSY
20.67%
MSFT
47.09%
Profit Margin
BSY
18.5%
MSFT
39.04%
ROE
BSY
24.91%
MSFT
34.39%
ROA
BSY
6.65%
MSFT
14.86%

Growth

Revenue Growth
BSY
11.9%
MSFT
16.7%
Earnings Growth
BSY
16.9%
MSFT
59.8%

Financial Health

Debt/Equity
BSY
1.08
MSFT
0.32
Current Ratio
BSY
0.56
MSFT
1.39
Quick Ratio
BSY
0.48
MSFT
1.24

Dividends

Dividend Yield
BSY
0.8%
MSFT
0.97%
Payout Ratio
BSY
32.94%
MSFT
21.28%

AI Verdict

BSY NEUTRAL

BSY shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.

Strengths
Strong ROE of 24.9%
Risks
High valuation with P/E of 40.4
Premium vs Graham Number ($8.52)
MSFT BULLISH

Microsoft exhibits strong fundamental health with a Piotroski F-Score of 7/9, indicating robust financial stability. While the stock is currently experiencing a severe technical downtrend (0/100) and significant 6-month price depreciation (-28.6%), the current price of $374.33 sits well below the growth-based intrinsic value of $471.41 and the analyst target of $587.31. Exceptional earnings growth (59.8% YoY) and high operating margins (47.09%) suggest that the current price correction presents a value opportunity despite bearish insider sentiment.

Strengths
Strong financial health evidenced by a Piotroski F-Score of 7/9
Exceptional profitability with a 39.04% profit margin and 47.09% operating margin
Robust earnings growth (59.8% YoY) and consistent history of beating estimates
Risks
Severe short-term technical bearishness (0/100 trend score)
Bearish insider activity with $32.64M in net sales over the last 6 months
High Price-to-Book ratio (7.11) indicating a premium over book value

Compare Another Pair

BSY vs MSFT: Head-to-Head Comparison

This page compares Bentley Systems, Incorporated (BSY) and Microsoft Corporation (MSFT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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