WallStSmart

British American Tobacco p.l.c. (BTI)vsUniversal Corporation (UVV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

British American Tobacco p.l.c. generates 757% more annual revenue ($25.61B vs $2.99B). BTI leads profitability with a 30.3% profit margin vs 3.7%. BTI appears more attractively valued with a PEG of 0.44. BTI earns a higher WallStSmart Score of 62/100 (C+).

BTI

Buy

62

out of 100

Grade: C+

Growth: 4.0Profit: 8.5Value: 7.3Quality: 5.0

UVV

Buy

59

out of 100

Grade: C

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BTISignificantly Overvalued (-39.2%)

Margin of Safety

-39.2%

Fair Value

$43.34

Current Price

$58.72

$15.38 premium

UndervaluedFair: $43.34Overvalued
UVVUndervalued (+74.6%)

Margin of Safety

+74.6%

Fair Value

$207.79

Current Price

$50.89

$156.90 discount

UndervaluedFair: $207.79Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BTI6 strengths · Avg: 9.2/10
PEG RatioValuation
0.4410/10

Growing faster than its price suggests

Profit MarginProfitability
30.3%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
34.6%10/10

Strong operational efficiency at 34.6%

Market CapQuality
$131.26B9/10

Large-cap with strong market position

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

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

BTI1 concerns · Avg: 4.0/10
EPS GrowthGrowth
1.6%4/10

1.6% earnings growth

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
3.012/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BTI

The strongest argument for BTI centers on PEG Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.3% and operating margin at 34.6%. PEG of 0.44 suggests the stock is reasonably priced for its growth.

Bull Case : UVV

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

Bear Case : BTI

The primary concerns for BTI are EPS Growth.

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

BTI profiles as a mature stock while UVV is a value play — different risk/reward profiles.

UVV carries more volatility with a beta of 0.67 — expect wider price swings.

BTI is growing revenue faster at 10.0% — sustainability is the question.

BTI generates stronger free cash flow (3.0B), providing more financial flexibility.

Bottom Line

BTI scores higher overall (62/100 vs 59/100), backed by strong 30.3% margins. UVV offers better value entry with a 74.6% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

British American Tobacco p.l.c.

CONSUMER DEFENSIVE · TOBACCO · USA

British American Tobacco plc offers tobacco and nicotine products to consumers around the world. The company is headquartered in London, the United Kingdom.

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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