WallStSmart

Kimberly-Clark Corporation (KMB)vsUnited-Guardian Inc (UG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Kimberly-Clark Corporation generates 151282% more annual revenue ($16.56B vs $10.94M). UG leads profitability with a 21.6% profit margin vs 12.8%. UG appears more attractively valued with a PEG of 1.13. UG earns a higher WallStSmart Score of 71/100 (B).

KMB

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 8.0Value: 4.0Quality: 4.0
Piotroski: 3/9Altman Z: 2.19

UG

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 8.0Quality: 7.3
Piotroski: 3/9Altman Z: 7.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

KMBSignificantly Overvalued (-36.3%)

Margin of Safety

-36.3%

Fair Value

$78.97

Current Price

$99.04

$20.07 premium

UndervaluedFair: $78.97Overvalued
UGUndervalued (+36.2%)

Margin of Safety

+36.2%

Fair Value

$10.33

Current Price

$6.99

$3.34 discount

UndervaluedFair: $10.33Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KMB1 strengths · Avg: 10.0/10
Return on EquityProfitability
118.0%10/10

Every $100 of equity generates 118 in profit

UG6 strengths · Avg: 8.5/10
Altman Z-ScoreHealth
7.0810/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
21.6%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
13.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.4%8/10

Strong operational efficiency at 22.4%

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

Areas to Watch

KMB4 concerns · Avg: 3.8/10
PEG RatioValuation
2.074/10

Expensive relative to growth rate

Price/BookValuation
18.3x4/10

Trading at 18.3x book value

Revenue GrowthGrowth
2.7%4/10

2.7% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

UG2 concerns · Avg: 3.0/10
Market CapQuality
$32.25M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : KMB

The strongest argument for KMB centers on Return on Equity.

Bull Case : UG

The strongest argument for UG centers on Altman Z-Score, Profit Margin, P/E Ratio. Profitability is solid with margins at 21.6% and operating margin at 22.4%. Revenue growth of 15.8% demonstrates continued momentum.

Bear Case : KMB

The primary concerns for KMB are PEG Ratio, Price/Book, Revenue Growth. Debt-to-equity of 3.94 is elevated, increasing financial risk.

Bear Case : UG

The primary concerns for UG are Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

KMB profiles as a value stock while UG is a growth play — different risk/reward profiles.

UG carries more volatility with a beta of 0.97 — expect wider price swings.

UG is growing revenue faster at 15.8% — sustainability is the question.

KMB generates stronger free cash flow (321M), providing more financial flexibility.

Bottom Line

UG scores higher overall (71/100 vs 58/100), backed by strong 21.6% margins and 15.8% revenue growth. Both earn "Strong 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.

Kimberly-Clark Corporation

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

Kimberly-Clark Corporation is an American multinational personal care corporation that produces mostly paper-based consumer products. The company manufactures sanitary paper products and surgical & medical instruments. Kimberly-Clark brand name products include Kleenex facial tissue, Kotex feminine hygiene products, Cottonelle, Scott and Andrex toilet paper, Wypall utility wipes, KimWipes scientific cleaning wipes and Huggies disposable diapers and baby wipes.

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United-Guardian Inc

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

United-Guardian, Inc. manufactures and markets cosmetic ingredients, pharmaceuticals, medical lubricants, and specialty industrial products in the United States and internationally. The company is headquartered in Hauppauge, New York.

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