WallStSmart

Air Products and Chemicals Inc (APD)vsUniversal Corporation (UVV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Air Products and Chemicals Inc generates 309% more annual revenue ($12.21B vs $2.99B). UVV leads profitability with a 3.7% profit margin vs -2.7%. UVV appears more attractively valued with a PEG of 2.89. UVV earns a higher WallStSmart Score of 61/100 (C+).

APD

Hold

42

out of 100

Grade: D

Growth: 4.7Profit: 3.5Value: 4.0Quality: 5.0
Piotroski: 1/9Altman Z: 1.36

UVV

Buy

61

out of 100

Grade: C+

Growth: 8.0Profit: 5.5Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for APD.

UVVUndervalued (+74.6%)

Margin of Safety

+74.6%

Fair Value

$207.79

Current Price

$51.95

$155.84 discount

UndervaluedFair: $207.79Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

APD2 strengths · Avg: 8.5/10
Market CapQuality
$64.59B9/10

Large-cap with strong market position

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

UVV3 strengths · Avg: 9.3/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

EPS GrowthGrowth
32.0%8/10

Earnings expanding 32.0% YoY

Areas to Watch

APD4 concerns · Avg: 2.5/10
Debt/EquityHealth
1.183/10

Elevated debt levels

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
6.412/10

Expensive relative to growth rate

Return on EquityProfitability
-1.7%2/10

ROE of -1.7% — below average capital efficiency

UVV3 concerns · Avg: 2.7/10
Market CapQuality
$1.32B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.7%3/10

3.7% margin — thin

PEG RatioValuation
2.892/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : APD

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

Bull Case : UVV

The strongest argument for UVV centers on P/E Ratio, Price/Book, EPS Growth.

Bear Case : APD

The primary concerns for APD are Debt/Equity, Piotroski F-Score, PEG Ratio.

Bear Case : UVV

The primary concerns for UVV are Market Cap, Profit Margin, PEG Ratio. Thin 3.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

APD profiles as a turnaround stock while UVV is a value play — different risk/reward profiles.

APD carries more volatility with a beta of 0.86 — expect wider price swings.

UVV is growing revenue faster at 6.1% — sustainability is the question.

UVV generates stronger free cash flow (95M), providing more financial flexibility.

Bottom Line

UVV scores higher overall (61/100 vs 42/100). Both earn "Buy" 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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Universal Corporation

CONSUMER DEFENSIVE · TOBACCO · USA

Universal Corporation processes and supplies leaf tobacco and plant ingredients worldwide. The company is headquartered in Richmond, Virginia.

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