WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

Kimberly-Clark Corporation generates 147866% more annual revenue ($16.58B vs $11.21M). UG leads profitability with a 22.0% profit margin vs 11.8%. UG appears more attractively valued with a PEG of 1.13. UG earns a higher WallStSmart Score of 65/100 (B-).

KMB

Buy

52

out of 100

Grade: C-

Growth: 2.7Profit: 8.0Value: 4.0Quality: 4.0
Piotroski: 3/9Altman Z: 2.19

UG

Strong Buy

65

out of 100

Grade: B-

Growth: 5.3Profit: 8.0Value: 8.0Quality: 7.3
Piotroski: 3/9Altman Z: 7.18
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

KMBSignificantly Overvalued (-35.5%)

Margin of Safety

-35.5%

Fair Value

$79.42

Current Price

$98.15

$18.73 premium

UndervaluedFair: $79.42Overvalued
UGUndervalued (+36.8%)

Margin of Safety

+36.8%

Fair Value

$10.43

Current Price

$7.17

$3.26 discount

UndervaluedFair: $10.43Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KMB1 strengths · Avg: 10.0/10
Return on EquityProfitability
111.7%10/10

Every $100 of equity generates 112 in profit

UG5 strengths · Avg: 8.6/10
Altman Z-ScoreHealth
7.1810/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
22.0%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
13.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

Areas to Watch

KMB4 concerns · Avg: 3.8/10
PEG RatioValuation
2.114/10

Expensive relative to growth rate

Price/BookValuation
18.7x4/10

Trading at 18.7x book value

Revenue GrowthGrowth
0.6%4/10

0.6% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

UG2 concerns · Avg: 3.0/10
Market CapQuality
$32.78M3/10

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 22.0% and operating margin at 24.3%. PEG of 1.13 suggests the stock is reasonably priced for its growth.

Bear Case : KMB

The primary concerns for KMB are PEG Ratio, Price/Book, Revenue Growth. Debt-to-equity of 3.72 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 mature play — different risk/reward profiles.

UG carries more volatility with a beta of 0.96 — expect wider price swings.

UG is growing revenue faster at 9.5% — sustainability is the question.

KMB generates stronger free cash flow (556M), providing more financial flexibility.

Bottom Line

UG scores higher overall (65/100 vs 52/100), backed by strong 22.0% margins. 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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