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INTU vs. TWLO: Intuit vs. Twilio Stock Comparison

How do Intuit (INTU) and Twilio (TWLO) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Intuit (INTU) and Twilio (TWLO) both fall under the Software & Services industry group, but INTU is classified in Software while TWLO is classified in IT Services.

Company profile comparison for Intuit (INTU) and Twilio (TWLO)
Profile ItemINTUTWLO
NameIntuit Inc.Twilio Inc. Class A Common Stock
Country/RegionUnited StatesUnited States
GICS SectorInformation TechnologyInformation Technology
GICS Industry GroupSoftware & ServicesSoftware & Services
GICS IndustrySoftwareIT Services
GICS Sub-IndustryApplication SoftwareInternet Services & Infrastructure
Market Capitalization91.26 billion USD31.26 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateMarch 12, 1993June 23, 2016
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

INTU
TWLO
GSPC
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Intuit (INTU) vs. Twilio (TWLO), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Intuit (INTU) and Twilio (TWLO). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Intuit (INTU) and Twilio (TWLO). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Intuit (INTU) and Twilio (TWLO)
MetricINTUTWLO
Total Return (1Y)-46.81%61.15%
Total Return (3Y, Annualized)-12.10%54.31%
Total Return (5Y, Annualized)-10.39%-7.91%

Risk Profile

Drawdown History

INTU
TWLO
GSPC
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Intuit (INTU) vs. Twilio (TWLO), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Intuit (INTU) and Twilio (TWLO). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Intuit (INTU) and Twilio (TWLO)
MetricINTUTWLO
Volatility (1Y, Annualized)51.18%63.75%
Beta (5Y)0.911.48
Max Drawdown (5Y)-68.19%-86.25%
Avg. Volume (3M)3.60M3.05M

Risk-Adjusted Performance

Risk-Return Positioning

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INTU and TWLO are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Intuit (INTU) and Twilio (TWLO)
MetricINTUTWLO
Sharpe Ratio (1Y)-1.000.89
Sortino Ratio (1Y)-1.281.49

Profitability

ROE (TTM)

Intuit (INTU) at 23.60% sits in the top ROE quartile, while Twilio (TWLO) at 14.92% is closer to the peer norm — stronger capital efficiency for INTU.

INTU

Software & Services industry group

23.60%

Max
53.85%
INTU
23.60%
Q3
17.90%
Median
6.59%
Q1
-9.59%
Min
-50.52%

TWLO

Software & Services industry group

14.92%

Max
53.85%
Q3
17.90%
TWLO
14.92%
Median
6.59%
Q1
-9.59%
Min
-50.52%
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their ROE against the Software & Services industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both Intuit (INTU) at 21.29% and Twilio (TWLO) at 21.82% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

INTU

Software & Services industry group

21.29%

Max
41.17%
INTU
21.29%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%

TWLO

Software & Services industry group

21.82%

Max
41.17%
TWLO
21.82%
Q3
15.28%
Median
4.63%
Q1
-5.42%
Min
-33.17%
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

Both Intuit (INTU) at 17.64% and Twilio (TWLO) at 9.53% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

INTU

Software & Services industry group

17.64%

Max
46.89%
INTU
17.64%
Q3
17.64%
Median
8.73%
Q1
-2.13%
Min
-30.45%

TWLO

Software & Services industry group

9.53%

Max
46.89%
Q3
17.64%
TWLO
9.53%
Median
8.73%
Q1
-2.13%
Min
-30.45%
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for Intuit (INTU) and Twilio (TWLO)
MetricINTUTWLO
ROE (TTM)23.60%14.92%
ROA (TTM)10.47%2.69%
Net Margin (TTM)21.29%21.82%
Operating Margin (TTM)17.64%9.53%
Gross Margin (TTM)80.98%48.61%

Growth

Revenue Growth

Both Intuit (INTU) at 13.90% and Twilio (TWLO) at 13.66% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Intuit (INTU) vs. Twilio (TWLO): A comparison of their Revenue Growth across different time periods.

EPS Growth

Only one side can be read here: Intuit (INTU) reports EPS growth of 20.41%, ranked against its industry; Twilio (TWLO) has no EPS growth figure this period.

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Intuit (INTU) vs. Twilio (TWLO): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Intuit (INTU) and Twilio (TWLO)
MetricINTUTWLO
Revenue Growth (YoY)13.90%13.66%
Revenue Growth (3Y CAGR)14.29%9.82%
EPS Growth (YoY)20.41%--
EPS Growth (3Y CAGR)25.04%--

Financial Strength

Current Ratio (MRQ)

Intuit (INTU) at 1.51 keeps current ratio within its industry’s typical mid-range, while Twilio (TWLO) at 4.47 sits above its industry’s typical mid-range — comfortable liquidity, though possibly with more idle current assets relative to peers.

INTU

Software & Services industry group

1.51

Max
5.11
Q3
2.77
Median
1.67
INTU
1.51
Q1
1.01
Min
0.03

TWLO

Software & Services industry group

4.47

Max
5.11
TWLO
4.47
Q3
2.77
Median
1.67
Q1
1.01
Min
0.03
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their current ratio against the Software & Services industry group benchmark.

Debt / Equity (MRQ)

Both Intuit (INTU) at 0.44 and Twilio (TWLO) at 0.12 fund their balance sheets with roughly industry-typical debt-to-equity mixes.

INTU

Software & Services industry group

0.44

Max
2.52
Q3
1.13
INTU
0.44
Median
0.40
Q1
0.07
Min
0.00

TWLO

Software & Services industry group

0.12

Max
2.52
Q3
1.13
Median
0.40
TWLO
0.12
Q1
0.07
Min
0.00
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their debt-to-equity ratio against the Software & Services industry group benchmark.

Financial Strength Metrics

Financial strength metrics for Intuit (INTU) and Twilio (TWLO)
MetricINTUTWLO
Current Ratio (MRQ)1.514.47
Debt / Equity (MRQ)0.440.12
Net Debt / EBITDA0.18-3.13

Dividends

Dividend Yield (TTM)

Twilio (TWLO) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Intuit (INTU) reports a yield of 1.35%, ranking against industry peers normally.

INTU

Software & Services industry group

1.35%

INTU
1.35%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%

TWLO

Software & Services industry group

0.00%

TWLO
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Twilio (TWLO) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Intuit (INTU) reports a payout of 29.16%, ranking against industry peers normally.

INTU

Software & Services industry group

29.16%

INTU
29.16%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%

TWLO

Software & Services industry group

0.00%

TWLO
0.00%
Max
0.00%
Q3
0.00%
Median
0.00%
Q1
0.00%
Min
0.00%
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for Intuit (INTU) and Twilio (TWLO)
MetricINTUTWLO
Dividend Yield (TTM)1.35%0.00%
Dividend Payout Ratio (TTM)29.16%0.00%

Valuation

P/E Ratio (TTM)

Both Intuit (INTU) at 20.75 and Twilio (TWLO) at 25.38 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

INTU

Software & Services industry group

20.75

Max
112.94
Q3
60.32
Median
32.91
INTU
20.75
Q1
18.77
Min
6.69

TWLO

Software & Services industry group

25.38

Max
112.94
Q3
60.32
Median
32.91
TWLO
25.38
Q1
18.77
Min
6.69
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Intuit (INTU) at 4.25 and Twilio (TWLO) at 5.36 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

INTU

Software & Services industry group

4.25

Max
17.91
Q3
8.78
INTU
4.25
Median
4.25
Q1
2.23
Min
0.02

TWLO

Software & Services industry group

5.36

Max
17.91
Q3
8.78
TWLO
5.36
Median
4.25
Q1
2.23
Min
0.02
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their P/S ratio against the Software & Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Intuit (INTU) at 4.83 and Twilio (TWLO) at 3.41 are valued close to their industries’ norm against book — neither stands out from peers.

INTU

Software & Services industry group

4.83

Max
16.63
Q3
8.50
INTU
4.83
Median
4.30
Q1
1.92
Min
-3.90

TWLO

Software & Services industry group

3.41

Max
16.63
Q3
8.50
Median
4.30
TWLO
3.41
Q1
1.92
Min
-3.90
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Intuit (INTU) vs. Twilio (TWLO): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for Intuit (INTU) and Twilio (TWLO)
MetricINTUTWLO
P/E Ratio (TTM)20.7525.38
P/S Ratio (TTM)4.255.36
P/B Ratio (MRQ)4.833.41
Free Cash Flow Yield (TTM)6.96%3.45%