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AZ vs PAR
Revenue, margins, valuation, and 5-year total return — side by side.
Software - Application
AZ vs PAR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Software - Application | Software - Application |
| Market Cap | $291M | $617M |
| Revenue (TTM) | $7M | $476M |
| Net Income (TTM) | $-32M | $-76M |
| Gross Margin | 27.1% | 40.1% |
| Operating Margin | -350.6% | -13.5% |
| Forward P/E | — | 28.3x |
| Total Debt | $1M | $402M |
| Cash & Equiv. | $14M | $80M |
AZ vs PAR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | May 26 | Return |
|---|---|---|---|
| A2Z Cust2Mate Solut… (AZ) | 100 | 308.0 | +208.0% |
| PAR Technology Corp… (PAR) | 100 | 59.9 | -40.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AZ vs PAR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
AZ is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 1 yrs, beta 1.84
- Rev growth -37.0%, EPS growth -86.0%, 3Y rev CAGR 38.7%
- 272.6% 10Y total return vs PAR's 167.3%
PAR carries the broadest edge in this set and is the clearest fit for sleep-well-at-night and defensive.
- Lower volatility, beta 1.54, Low D/E 48.8%, current ratio 1.66x
- Beta 1.54, current ratio 1.66x
- 30.2% revenue growth vs AZ's -37.0%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 30.2% revenue growth vs AZ's -37.0% | |
| Quality / Margins | -16.0% margin vs AZ's -483.6% | |
| Stability / Safety | Beta 1.54 vs AZ's 1.84 | |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | -11.3% vs PAR's -75.6% | |
| Efficiency (ROA) | -5.5% ROA vs AZ's -38.6% |
AZ vs PAR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
AZ vs PAR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
PAR leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PAR is the larger business by revenue, generating $476M annually — 72.8x AZ's $7M. Profitability is closely matched — net margins range from -16.0% (PAR) to -4.8% (AZ). On growth, PAR holds the edge at +19.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $7M | $476M |
| EBITDAEarnings before interest/tax | -$22M | -$27M |
| Net IncomeAfter-tax profit | -$32M | -$76M |
| Free Cash FlowCash after capex | -$18M | -$29M |
| Gross MarginGross profit ÷ Revenue | +27.1% | +40.1% |
| Operating MarginEBIT ÷ Revenue | -3.5% | -13.5% |
| Net MarginNet income ÷ Revenue | -4.8% | -16.0% |
| FCF MarginFCF ÷ Revenue | -2.7% | -6.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | -25.4% | +19.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +76.3% | +36.1% |
Valuation Metrics
PAR leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | ||
|---|---|---|
| Market CapShares × price | $291M | $617M |
| Enterprise ValueMkt cap + debt − cash | $278M | $940M |
| Trailing P/EPrice ÷ TTM EPS | -8.66x | -7.16x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 28.32x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | 40.54x | 1.36x |
| Price / BookPrice ÷ Book value/share | 21.64x | 0.73x |
| Price / FCFMarket cap ÷ FCF | — | — |
Profitability & Efficiency
Evenly matched — AZ and PAR each lead in 4 of 8 comparable metrics.
Profitability & Efficiency
PAR delivers a -9.1% return on equity — every $100 of shareholder capital generates $-9 in annual profit, vs $-44 for AZ. AZ carries lower financial leverage with a 0.20x debt-to-equity ratio, signaling a more conservative balance sheet compared to PAR's 0.49x. On the Piotroski fundamental quality scale (0–9), AZ scores 6/9 vs PAR's 2/9, reflecting solid financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | -44.4% | -9.1% |
| ROA (TTM)Return on assets | -38.6% | -5.5% |
| ROICReturn on invested capital | — | -4.2% |
| ROCEReturn on capital employed | -2.9% | -5.1% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 2 |
| Debt / EquityFinancial leverage | 0.20x | 0.49x |
| Net DebtTotal debt minus cash | -$12M | $323M |
| Cash & Equiv.Liquid assets | $14M | $80M |
| Total DebtShort + long-term debt | $1M | $402M |
| Interest CoverageEBIT ÷ Interest expense | -52.42x | -21.71x |
Total Returns (Dividends Reinvested)
AZ leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in AZ five years ago would be worth $3,409 today (with dividends reinvested), compared to $1,914 for PAR. Over the past 12 months, AZ leads with a -11.3% total return vs PAR's -75.6%. The 3-year compound annual growth rate (CAGR) favors AZ at 29.0% vs PAR's -20.2% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +1.5% | -58.1% |
| 1-Year ReturnPast 12 months | -11.3% | -75.6% |
| 3-Year ReturnCumulative with dividends | +114.6% | -49.2% |
| 5-Year ReturnCumulative with dividends | -65.9% | -80.9% |
| 10-Year ReturnCumulative with dividends | +272.6% | +167.3% |
| CAGR (3Y)Annualised 3-year return | +29.0% | -20.2% |
Risk & Volatility
Evenly matched — AZ and PAR each lead in 1 of 2 comparable metrics.
Risk & Volatility
PAR is the less volatile stock with a 1.54 beta — it tends to amplify market swings less than AZ's 1.84 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. AZ currently trades 56.1% from its 52-week high vs PAR's 20.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.84x | 1.54x |
| 52-Week HighHighest price in past year | $12.36 | $72.15 |
| 52-Week LowLowest price in past year | $5.00 | $11.59 |
| % of 52W HighCurrent price vs 52-week peak | +56.1% | +20.7% |
| RSI (14)Momentum oscillator 0–100 | 49.4 | 47.3 |
| Avg Volume (50D)Average daily shares traded | 377K | 1.9M |
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates AZ as "Buy" and PAR as "Buy". Consensus price targets imply 116.5% upside for AZ (target: $15) vs 67.0% for PAR (target: $25).
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $15.00 | $25.00 |
| # AnalystsCovering analysts | 1 | 11 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +1.1% |
PAR leads in 2 of 6 categories (Income & Cash Flow, Valuation Metrics). AZ leads in 1 (Total Returns). 2 tied.
AZ vs PAR: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is AZ or PAR a better buy right now?
For growth investors, PAR Technology Corporation (PAR) is the stronger pick with 30.
2% revenue growth year-over-year, versus -37. 0% for A2Z Cust2Mate Solutions Corp. (AZ). Analysts rate A2Z Cust2Mate Solutions Corp. (AZ) a "Buy" — based on 1 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — AZ or PAR?
Over the past 5 years, A2Z Cust2Mate Solutions Corp.
(AZ) delivered a total return of -65. 9%, compared to -80. 9% for PAR Technology Corporation (PAR). Over 10 years, the gap is even starker: AZ returned +272. 6% versus PAR's +167. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — AZ or PAR?
By beta (market sensitivity over 5 years), PAR Technology Corporation (PAR) is the lower-risk stock at 1.
54β versus A2Z Cust2Mate Solutions Corp. 's 1. 84β — meaning AZ is approximately 19% more volatile than PAR relative to the S&P 500. On balance sheet safety, A2Z Cust2Mate Solutions Corp. (AZ) carries a lower debt/equity ratio of 20% versus 49% for PAR Technology Corporation — giving it more financial flexibility in a downturn.
04Which is growing faster — AZ or PAR?
By revenue growth (latest reported year), PAR Technology Corporation (PAR) is pulling ahead at 30.
2% versus -37. 0% for A2Z Cust2Mate Solutions Corp. (AZ). On earnings-per-share growth, the picture is similar: A2Z Cust2Mate Solutions Corp. grew EPS -86. 0% year-over-year, compared to -1392. 9% for PAR Technology Corporation. Over a 3-year CAGR, AZ leads at 38. 7% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — AZ or PAR?
PAR Technology Corporation (PAR) is the more profitable company, earning -18.
5% net margin versus -237. 2% for A2Z Cust2Mate Solutions Corp. — meaning it keeps -18. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PAR leads at -14. 0% versus -204. 2% for AZ. At the gross margin level — before operating expenses — PAR leads at 40. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is AZ or PAR more undervalued right now?
Analyst consensus price targets imply the most upside for AZ: 116.
5% to $15. 00.
07Which pays a better dividend — AZ or PAR?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
08Is AZ or PAR better for a retirement portfolio?
For long-horizon retirement investors, PAR Technology Corporation (PAR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (+167.
3% 10Y return). A2Z Cust2Mate Solutions Corp. (AZ) carries a higher beta of 1. 84 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (PAR: +167. 3%, AZ: +272. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between AZ and PAR?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: AZ is a small-cap quality compounder stock; PAR is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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