WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Novartis AG ADR generates 5476% more annual revenue ($56.58B vs $1.01B). NVS leads profitability with a 23.9% profit margin vs -20.2%. NVS earns a higher WallStSmart Score of 51/100 (C-).

NVS

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 9.0Value: 4.0Quality: 5.5
Piotroski: 4/9Altman Z: 1.96

TNDM

Avoid

27

out of 100

Grade: F

Growth: 4.0Profit: 2.5Value: 5.0Quality: 4.0
Piotroski: 3/9Altman Z: -0.92
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NVSSignificantly Overvalued (-52.5%)

Margin of Safety

-52.5%

Fair Value

$109.60

Current Price

$147.85

$38.25 premium

UndervaluedFair: $109.60Overvalued

Intrinsic value data unavailable for TNDM.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NVS5 strengths · Avg: 9.4/10
Market CapQuality
$282.11B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
34.9%10/10

Every $100 of equity generates 35 in profit

Operating MarginProfitability
30.5%10/10

Strong operational efficiency at 30.5%

Profit MarginProfitability
23.9%9/10

Keeps 24 of every $100 in revenue as profit

Free Cash FlowQuality
$2.87B8/10

Generating 2.9B in free cash flow

TNDM0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

NVS4 concerns · Avg: 3.0/10
PEG RatioValuation
2.484/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.964/10

Grey zone — moderate risk

Revenue GrowthGrowth
-0.7%2/10

Revenue declined 0.7%

EPS GrowthGrowth
-9.3%2/10

Earnings declined 9.3%

TNDM4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.7%4/10

2.7% revenue growth

Market CapQuality
$1.24B3/10

Smaller company, higher risk/reward

Operating MarginProfitability
2.9%3/10

Operating margin of 2.9%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 23.9% and operating margin at 30.5%.

Bull Case : TNDM

TNDM has a balanced fundamental profile.

Bear Case : NVS

The primary concerns for NVS are PEG Ratio, Altman Z-Score, Revenue Growth.

Bear Case : TNDM

The primary concerns for TNDM are Revenue Growth, Market Cap, Operating Margin. Debt-to-equity of 3.64 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

TNDM carries more volatility with a beta of 1.74 — expect wider price swings.

TNDM is growing revenue faster at 2.7% — sustainability is the question.

NVS generates stronger free cash flow (2.9B), providing more financial flexibility.

Bottom Line

NVS scores higher overall (51/100 vs 27/100), backed by strong 23.9% 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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