In the ever-evolving technology landscape, two notable players stand out: monday.com Ltd. and ServiceTitan, Inc. Both operate within the software application industry, focusing on innovative solutions for diverse sectors. While monday.com specializes in project management and work operating systems, ServiceTitan caters to the field service industry, streamlining operations for residential and commercial services. This article will analyze these companies to help you determine which one might be the more compelling investment opportunity for your portfolio.
Table of contents
Company Overview
monday.com Ltd. Overview
monday.com Ltd. is a leading player in the software application industry, specializing in a cloud-based visual work operating system known as Work OS. Founded in 2012 and headquartered in Tel Aviv-Yafo, Israel, the company’s mission is to empower teams to manage their workflows through customizable software applications. With a market capitalization of approximately $7.49B, monday.com serves a diverse clientele including organizations, educational institutions, and government entities. The platform’s modular design allows users to tailor their work management tools, enhancing productivity and collaboration across various sectors.
ServiceTitan, Inc. Overview
ServiceTitan, Inc. is another prominent software application company, focusing on the field service industry. Established in 2008 and based in Glendale, California, ServiceTitan’s mission is to streamline the management of service-related tasks for residential and commercial properties. With a market cap of about $8.33B, the company provides an integrated platform that facilitates the installation, maintenance, and servicing of essential infrastructure. ServiceTitan aims to empower tradespeople by providing tools that enhance operational efficiency and customer satisfaction.
Key similarities and differences in their business models include their focus on software solutions for different sectors—monday.com targets a wide range of organizational needs, while ServiceTitan specifically caters to the field service industry. Both companies operate in the technology sector, but their target markets and functionalities are distinct.
Income Statement Comparison
The following table summarizes the most recent income statements for monday.com Ltd. (MNDY) and ServiceTitan, Inc. (TTAN) to help assess their financial performance.
| Metric | monday.com Ltd. (MNDY) | ServiceTitan, Inc. (TTAN) |
|---|---|---|
| Revenue | 972M | 772M |
| EBITDA | 58M | -141M |
| EBIT | 40M | -221M |
| Net Income | 32M | -240M |
| EPS | 0.65 | -8.53 |
Interpretation of Income Statement
In the most recent fiscal year, monday.com Ltd. exhibited solid growth with revenue increasing from 730M to 972M, resulting in a positive net income of 32M, a significant recovery from the previous year’s loss. In contrast, ServiceTitan continues to struggle, reporting a revenue of 772M but a substantial net loss of 240M, indicating persistent operational challenges. The widening losses for ServiceTitan suggest deteriorating efficiency, whereas monday.com’s improved margins highlight effective cost management and promising growth potential. Overall, MNDY appears to be on a positive trajectory, while TTAN’s outlook remains concerning.
Financial Ratios Comparison
The following table compares the most recent financial ratios for monday.com Ltd. (MNDY) and ServiceTitan, Inc. (TTAN) to help you assess their financial health.
| Metric | MNDY | TTAN |
|---|---|---|
| ROE | 3.14% | -16.44% |
| ROIC | -1.73% | -14.25% |
| P/E | 362.98 | -18.12 |
| P/B | 11.41 | 2.98 |
| Current Ratio | 2.66 | 3.74 |
| Quick Ratio | 2.66 | 3.74 |
| D/E | 0.10 | 0.11 |
| Debt-to-Assets | 6.29% | 9.35% |
| Interest Coverage | 0 | -14.82 |
| Asset Turnover | 0.58 | 0.44 |
| Fixed Asset Turnover | 7.13 | 9.57 |
| Payout Ratio | 0 | 0 |
| Dividend Yield | 0% | 0% |
Interpretation of Financial Ratios
MNDY’s return ratios (ROE and ROIC) are weak, indicating profitability challenges, especially with a high P/E reflecting market speculation. TTAN shows even more concerning performance with negative returns and significant losses reflected in its margins and coverage ratios. Both companies exhibit sufficient liquidity with current and quick ratios above 2, but the lack of dividends and payout capacity raises concerns about their ability to generate steady income for investors.
Dividend and Shareholder Returns
Both monday.com Ltd. (MNDY) and ServiceTitan, Inc. (TTAN) do not pay dividends, opting instead to reinvest in their growth strategies. MNDY has a negative dividend payout ratio (0), indicating no returns to shareholders in this form, while also engaging in share buybacks to support share value. TTAN similarly reflects a reinvestment philosophy, focusing on product development rather than immediate shareholder payouts. This strategy can promote long-term value creation, provided it leads to sustainable growth and profitability.
Strategic Positioning
monday.com Ltd. (MNDY) holds a strong position in the software application market, with a market cap of approximately 7.49B. It faces competitive pressure from ServiceTitan, Inc. (TTAN), which has a market cap of about 8.33B and focuses on field service management solutions. Both companies are navigating technological disruptions in the sector, with monday.com emphasizing modular, cloud-based solutions, while ServiceTitan aims at optimizing field service operations. Each company must stay agile to maintain market share amidst evolving customer needs and competition.
Stock Comparison
In this section, I will assess the weekly stock price movements of monday.com Ltd. (MNDY) and ServiceTitan, Inc. (TTAN) over the past year, highlighting their respective trading dynamics and key price fluctuations.
Trend Analysis
monday.com Ltd. (MNDY): Over the past year, MNDY has experienced a percentage change of -16.97%, indicating a bearish trend. The stock has shown notable volatility, with a standard deviation of 41.64. The highest price reached was 324.31, while the lowest was 146.78. The recent trend from September 14, 2025, to November 30, 2025, has seen an even steeper decline of -23.53%, suggesting further deceleration in the stock’s performance.
ServiceTitan, Inc. (TTAN): For TTAN, the overall percentage change stands at -10.22%, also reflecting a bearish trend. The stock exhibits a standard deviation of 10.27, indicating moderate volatility. The highest price observed was 129.26, with a low of 85.07. In the recent period from September 14, 2025, to November 30, 2025, TTAN has fallen by -20.8%, underscoring a trend of deceleration as well.
Both companies currently face downward price pressures, warranting caution for potential investors.
Analyst Opinions
Recent analyst recommendations for monday.com Ltd. (MNDY) suggest a “Buy” rating with a solid overall score of 3. Analysts highlight strong performance in discounted cash flow and return on assets as key arguments. In contrast, ServiceTitan, Inc. (TTAN) has received a “Sell” rating, with a low overall score of 1, primarily due to weak performance metrics across various financial indicators. The consensus for MNDY is bullish, while TTAN leans towards a bearish outlook.
Stock Grades
I have gathered the latest stock grades from reputable grading companies for two companies: monday.com Ltd. and ServiceTitan, Inc. Here’s an overview of their current ratings.
monday.com Ltd. Grades
| Grading Company | Action | New Grade | Date |
|---|---|---|---|
| B of A Securities | maintain | Neutral | 2025-11-11 |
| Piper Sandler | maintain | Overweight | 2025-11-11 |
| Morgan Stanley | maintain | Overweight | 2025-11-11 |
| Jefferies | maintain | Buy | 2025-11-11 |
| Citigroup | maintain | Buy | 2025-11-11 |
| Barclays | maintain | Overweight | 2025-11-11 |
| UBS | maintain | Neutral | 2025-11-11 |
| JP Morgan | maintain | Overweight | 2025-11-11 |
| Wells Fargo | maintain | Overweight | 2025-11-11 |
| DA Davidson | maintain | Buy | 2025-11-11 |
ServiceTitan, Inc. Grades
| Grading Company | Action | New Grade | Date |
|---|---|---|---|
| BMO Capital | maintain | Outperform | 2025-11-20 |
| Wells Fargo | maintain | Overweight | 2025-09-19 |
| Stifel | maintain | Buy | 2025-09-19 |
| Canaccord Genuity | maintain | Buy | 2025-09-19 |
| Piper Sandler | maintain | Overweight | 2025-09-19 |
| Citigroup | maintain | Neutral | 2025-09-09 |
| Piper Sandler | maintain | Overweight | 2025-09-05 |
| Needham | maintain | Buy | 2025-09-05 |
| Morgan Stanley | maintain | Equal Weight | 2025-09-05 |
| Truist Securities | maintain | Buy | 2025-09-05 |
Overall, both companies have maintained their previous grades, indicating a stable outlook despite market fluctuations. Notably, monday.com has a mix of neutral and positive ratings, while ServiceTitan shows a stronger trend towards outperforming the market. Investors should consider these assessments when making their investment decisions.
Target Prices
The latest consensus from analysts suggests optimistic target prices for both monday.com Ltd. and ServiceTitan, Inc.
| Company | Target High | Target Low | Consensus |
|---|---|---|---|
| monday.com Ltd. | 365 | 202 | 293.78 |
| ServiceTitan, Inc. | 145 | 115 | 132.57 |
For monday.com Ltd. (MNDY), the target consensus of 293.78 indicates a significant upside compared to its current price of 146.32. Similarly, ServiceTitan, Inc. (TTAN) has a consensus target of 132.57, suggesting potential growth from its current price of 89.66. Overall, analysts exhibit a positive outlook for both companies.
Strengths and Weaknesses
The following table summarizes the strengths and weaknesses of monday.com Ltd. (MNDY) and ServiceTitan, Inc. (TTAN):
| Criterion | monday.com Ltd. | ServiceTitan, Inc. |
|---|---|---|
| Diversification | High | Moderate |
| Profitability | Low (-0.3%) | Low (-0.3%) |
| Innovation | Strong | Moderate |
| Global presence | Strong | Regional |
| Market Share | Moderate | Moderate |
| Debt level | Low (6.3%) | Moderate (9.4%) |
In summary, both companies exhibit low profitability, yet monday.com shows a stronger global presence and innovation potential compared to ServiceTitan. However, monday.com also carries a low debt level, which is favorable for risk management.
Risk Analysis
In the following table, I present a summary of the key risks associated with monday.com Ltd. (MNDY) and ServiceTitan, Inc. (TTAN).
| Metric | monday.com Ltd. | ServiceTitan, Inc. |
|---|---|---|
| Market Risk | High | Medium |
| Regulatory Risk | Medium | Medium |
| Operational Risk | Medium | High |
| Environmental Risk | Low | Low |
| Geopolitical Risk | Medium | Medium |
Overall, I assess that the most significant risks for both companies are market and operational risks. MNDY faces intense competition in the software application market, while TTAN is heavily reliant on customer retention in a volatile service sector. Both companies are navigating regulatory challenges that could impact their growth trajectories.
Which one to choose?
In evaluating monday.com Ltd. (MNDY) and ServiceTitan, Inc. (TTAN), the financial fundamentals indicate a significant divergence. MNDY demonstrates a higher gross profit margin at 89.3% and a solid rating of B, reflecting stronger operational efficiency and market positioning. Conversely, TTAN, with a gross profit margin of 64.9% and a lower rating of C-, reveals challenges in profitability and operational metrics.
Despite MNDY’s bearish stock trend, which recently saw a price decline of 16.97%, its robust metrics suggest potential for recovery. TTAN’s stock has also trended negatively, down 10.22%, but its financials indicate more substantial risks, including lower revenue growth and higher debt levels.
Recommendation: Investors focused on growth may prefer MNDY due to its superior fundamentals and market position, while those prioritizing stability may find TTAN less attractive due to its weaker metrics.
However, caution is warranted as both companies face industry competition and financial volatility.
Disclaimer: This article is not financial advice. Each investor is responsible for their own investment decisions.
Go further
I encourage you to read the complete analyses of monday.com Ltd. and ServiceTitan, Inc. to enhance your investment decisions:
