WallStSmart

Penske Automotive Group Inc (PAG)vsUxin Ltd (UXIN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Penske Automotive Group Inc generates 1029% more annual revenue ($31.81B vs $2.82B). PAG leads profitability with a 2.9% profit margin vs -7.3%. PAG earns a higher WallStSmart Score of 51/100 (C-).

PAG

Buy

51

out of 100

Grade: C-

Growth: 2.7Profit: 5.5Value: 7.3Quality: 5.3
Piotroski: 3/9

UXIN

Avoid

32

out of 100

Grade: F

Growth: 6.7Profit: 2.0Value: 5.0Quality: 5.5
Piotroski: 6/9Altman Z: -13.68
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PAGSignificantly Overvalued (-80.3%)

Margin of Safety

-80.3%

Fair Value

$96.08

Current Price

$148.11

$52.03 premium

UndervaluedFair: $96.08Overvalued

Intrinsic value data unavailable for UXIN.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PAG2 strengths · Avg: 9.0/10
P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

UXIN2 strengths · Avg: 10.0/10
Revenue GrowthGrowth
76.8%10/10

Revenue surging 76.8% year-over-year

Debt/EquityHealth
-8.7310/10

Conservative balance sheet, low leverage

Areas to Watch

PAG4 concerns · Avg: 3.3/10
PEG RatioValuation
1.624/10

Expensive relative to growth rate

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Operating MarginProfitability
3.4%3/10

Operating margin of 3.4%

Debt/EquityHealth
1.563/10

Elevated debt levels

UXIN4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$703.04M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-93.6%2/10

ROE of -93.6% — below average capital efficiency

Altman Z-ScoreHealth
-13.682/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : PAG

The strongest argument for PAG centers on P/E Ratio, Price/Book.

Bull Case : UXIN

The strongest argument for UXIN centers on Revenue Growth, Debt/Equity. Revenue growth of 76.8% demonstrates continued momentum.

Bear Case : PAG

The primary concerns for PAG are PEG Ratio, Profit Margin, Operating Margin. Debt-to-equity of 1.56 is elevated, increasing financial risk. Thin 2.9% margins leave little buffer for downturns.

Bear Case : UXIN

The primary concerns for UXIN are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

PAG profiles as a value stock while UXIN is a hypergrowth play — different risk/reward profiles.

UXIN carries more volatility with a beta of 1.53 — expect wider price swings.

UXIN is growing revenue faster at 76.8% — sustainability is the question.

Monitor AUTO & TRUCK DEALERSHIPS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PAG scores higher overall (51/100 vs 32/100). 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.

Penske Automotive Group Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Penske Automotive Group, Inc., a diversified transportation services company, operates commercial and automotive truck dealerships. The company is headquartered in Bloomfield Hills, Michigan.

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Uxin Ltd

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · China

Uxin Limited, an investment holding company, operates a used car e-commerce platform in China. The company is headquartered in Beijing, China.

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