WallStSmart

PACCAR Inc (PCAR)vsUnited Airlines Holdings Inc (UAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

United Airlines Holdings Inc generates 126% more annual revenue ($62.90B vs $27.82B). PCAR leads profitability with a 9.0% profit margin vs 5.6%. PCAR appears more attractively valued with a PEG of 1.00. UAL earns a higher WallStSmart Score of 57/100 (C).

PCAR

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 6.0Value: 5.3Quality: 7.0
Piotroski: 2/9Altman Z: 2.57

UAL

Buy

57

out of 100

Grade: C

Growth: 5.3Profit: 6.0Value: 4.7Quality: 4.0
Piotroski: 6/9Altman Z: 1.16
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PCARSignificantly Overvalued (-43.2%)

Margin of Safety

-43.2%

Fair Value

$85.69

Current Price

$122.73

$37.04 premium

UndervaluedFair: $85.69Overvalued
UALSignificantly Overvalued (-55.8%)

Margin of Safety

-55.8%

Fair Value

$68.74

Current Price

$109.82

$41.08 premium

UndervaluedFair: $68.74Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PCAR2 strengths · Avg: 8.5/10
Market CapQuality
$64.60B9/10

Large-cap with strong market position

PEG RatioValuation
1.008/10

Growing faster than its price suggests

UAL4 strengths · Avg: 8.8/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
20.9%9/10

Every $100 of equity generates 21 in profit

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.0%8/10

16.0% revenue growth

Areas to Watch

PCAR4 concerns · Avg: 3.8/10
P/E RatioValuation
25.8x4/10

Moderate valuation

Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

EPS GrowthGrowth
4.2%4/10

4.2% earnings growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

UAL4 concerns · Avg: 2.3/10
Profit MarginProfitability
5.6%3/10

5.6% margin — thin

PEG RatioValuation
6.502/10

Expensive relative to growth rate

EPS GrowthGrowth
-17.2%2/10

Earnings declined 17.2%

Altman Z-ScoreHealth
1.162/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : PCAR

The strongest argument for PCAR centers on Market Cap, PEG Ratio. PEG of 1.00 suggests the stock is reasonably priced for its growth.

Bull Case : UAL

The strongest argument for UAL centers on P/E Ratio, Return on Equity, Price/Book. Revenue growth of 16.0% demonstrates continued momentum.

Bear Case : PCAR

The primary concerns for PCAR are P/E Ratio, Revenue Growth, EPS Growth.

Bear Case : UAL

The primary concerns for UAL are Profit Margin, PEG Ratio, EPS Growth. Debt-to-equity of 2.02 is elevated, increasing financial risk.

Key Dynamics to Monitor

PCAR profiles as a value stock while UAL is a growth play — different risk/reward profiles.

UAL carries more volatility with a beta of 1.27 — expect wider price swings.

UAL is growing revenue faster at 16.0% — sustainability is the question.

PCAR generates stronger free cash flow (309M), providing more financial flexibility.

Bottom Line

UAL scores higher overall (57/100 vs 54/100) and 16.0% revenue growth. Both earn "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.

PACCAR Inc

INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA

PACCAR Inc is an American Fortune 500 company and counts among the largest manufacturers of medium- and heavy-duty trucks in the world. PACCAR is engaged in the design, manufacture and customer support of light-, medium- and heavy-duty trucks under the Kenworth, Peterbilt, Leyland Trucks, and DAF nameplates. PACCAR also designs and manufactures powertrains, provides financial services and information technology, and distributes truck parts related to its principal business.

United Airlines Holdings Inc

INDUSTRIALS · AIRLINES · USA

United Airlines Holdings, Inc. (formerly known as United Continental Holdings, Inc., UAL Corporation, Allegis Corporation and founded originally as UAL, Inc.) is a publicly traded airline holding company headquartered in the Willis Tower in Chicago. UAH owns and operates United Airlines, Inc.

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