WallStSmart

Air Products and Chemicals Inc (APD)vsNorthern Technologies (NTIC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Air Products and Chemicals Inc generates 13622% more annual revenue ($12.60B vs $91.84M). APD leads profitability with a -0.4% profit margin vs -1.3%. NTIC appears more attractively valued with a PEG of 0.80. NTIC earns a higher WallStSmart Score of 45/100 (D+).

APD

Hold

43

out of 100

Grade: D

Growth: 4.0Profit: 5.0Value: 3.7Quality: 3.5
Piotroski: 1/9Altman Z: 1.36

NTIC

Hold

45

out of 100

Grade: D+

Growth: 4.0Profit: 2.0Value: 7.7Quality: 7.5
Piotroski: 2/9Altman Z: 3.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

APDSignificantly Overvalued (-87.4%)

Margin of Safety

-87.4%

Fair Value

$151.65

Current Price

$279.46

$127.81 premium

UndervaluedFair: $151.65Overvalued
NTICUndervalued (+80.0%)

Margin of Safety

+80.0%

Fair Value

$42.90

Current Price

$7.89

$35.01 discount

UndervaluedFair: $42.90Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

APD2 strengths · Avg: 8.5/10
Market CapQuality
$68.61B9/10

Large-cap with strong market position

Operating MarginProfitability
25.5%8/10

Strong operational efficiency at 25.5%

NTIC4 strengths · Avg: 9.3/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.6610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.808/10

Growing faster than its price suggests

Areas to Watch

APD4 concerns · Avg: 3.5/10
PEG RatioValuation
2.214/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Debt/EquityHealth
1.313/10

Elevated debt levels

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

NTIC4 concerns · Avg: 2.5/10
Market CapQuality
$73.28M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-1.1%2/10

ROE of -1.1% — below average capital efficiency

EPS GrowthGrowth
-57.7%2/10

Earnings declined 57.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : APD

The strongest argument for APD centers on Market Cap, Operating Margin.

Bull Case : NTIC

The strongest argument for NTIC centers on Price/Book, Altman Z-Score, Debt/Equity. Revenue growth of 12.6% demonstrates continued momentum. PEG of 0.80 suggests the stock is reasonably priced for its growth.

Bear Case : APD

The primary concerns for APD are PEG Ratio, Revenue Growth, Debt/Equity.

Bear Case : NTIC

The primary concerns for NTIC are Market Cap, Piotroski F-Score, Return on Equity.

Key Dynamics to Monitor

APD carries more volatility with a beta of 0.75 — expect wider price swings.

NTIC is growing revenue faster at 12.6% — sustainability is the question.

APD generates stronger free cash flow (310M), providing more financial flexibility.

Monitor SPECIALTY CHEMICALS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

NTIC scores higher overall (45/100 vs 43/100) and 12.6% revenue growth. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Air Products and Chemicals Inc

BASIC MATERIALS · SPECIALTY CHEMICALS · USA

Air Products and Chemicals, Inc. is an American international corporation whose principal business is selling gases and chemicals for industrial uses. Air Products' headquarters is in Allentown, Pennsylvania.

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Northern Technologies

BASIC MATERIALS · SPECIALTY CHEMICALS · USA

Northern Technologies International Corporation develops and markets products and services that inhibit rust and corrosion in North America, South America, Europe, Asia, the Middle East, and internationally. The company is headquartered in Circle Pines, Minnesota.

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