WallStSmart

Novartis AG ADR (NVS)vsTandem Diabetes Care Inc (TNDM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Novartis AG ADR generates 5344% more annual revenue ($56.69B vs $1.04B). NVS leads profitability with a 22.5% profit margin vs -6.1%. NVS earns a higher WallStSmart Score of 51/100 (C-).

NVS

Buy

51

out of 100

Grade: C-

Growth: 4.0Profit: 9.0Value: 3.3Quality: 4.5
Piotroski: 4/9Altman Z: 1.96

TNDM

Avoid

28

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: -0.92
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NVSSignificantly Overvalued (-71.8%)

Margin of Safety

-71.8%

Fair Value

$93.10

Current Price

$153.81

$60.71 premium

UndervaluedFair: $93.10Overvalued

Intrinsic value data unavailable for TNDM.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NVS5 strengths · Avg: 9.4/10
Market CapQuality
$288.85B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
30.7%10/10

Every $100 of equity generates 31 in profit

Operating MarginProfitability
34.6%10/10

Strong operational efficiency at 34.6%

Profit MarginProfitability
22.5%9/10

Keeps 23 of every $100 in revenue as profit

Free Cash FlowQuality
$5.57B8/10

Generating 5.6B in free cash flow

TNDM0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

NVS4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.8%4/10

0.8% revenue growth

Altman Z-ScoreHealth
1.964/10

Grey zone — moderate risk

Debt/EquityHealth
1.183/10

Elevated debt levels

PEG RatioValuation
3.442/10

Expensive relative to growth rate

TNDM4 concerns · Avg: 3.0/10
Price/BookValuation
11.4x4/10

Trading at 11.4x book value

Market CapQuality
$1.49B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-71.4%2/10

ROE of -71.4% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : NVS

The strongest argument for NVS centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 22.5% and operating margin at 34.6%.

Bull Case : TNDM

TNDM has a balanced fundamental profile.

Bear Case : NVS

The primary concerns for NVS are Revenue Growth, Altman Z-Score, Debt/Equity.

Bear Case : TNDM

The primary concerns for TNDM are Price/Book, Market Cap, Piotroski F-Score. Debt-to-equity of 5.67 is elevated, increasing financial risk.

Key Dynamics to Monitor

NVS profiles as a value stock while TNDM is a turnaround play — different risk/reward profiles.

TNDM carries more volatility with a beta of 1.54 — expect wider price swings.

TNDM is growing revenue faster at 5.8% — sustainability is the question.

NVS generates stronger free cash flow (5.6B), providing more financial flexibility.

Bottom Line

NVS scores higher overall (51/100 vs 28/100), backed by strong 22.5% margins. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Novartis AG ADR

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Novartis AG researches, develops, manufactures and markets medical devices worldwide. The company is headquartered in Basel, Switzerland.

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Tandem Diabetes Care Inc

HEALTHCARE · MEDICAL DEVICES · USA

Tandem Diabetes Care, Inc., a medical device company, designs, develops, and markets various products for people with insulin-dependent diabetes in the United States. The company is headquartered in San Diego, California.

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