WallStSmart

PepsiCo Inc (PEP)vsUnited-Guardian Inc (UG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PepsiCo Inc generates 872648% more annual revenue ($95.45B vs $10.94M). UG leads profitability with a 21.6% profit margin vs 9.2%. UG appears more attractively valued with a PEG of 1.13. UG earns a higher WallStSmart Score of 71/100 (B).

PEP

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 8.0Value: 4.7Quality: 4.0
Piotroski: 3/9Altman Z: 2.26

UG

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 8.0Value: 8.0Quality: 7.3
Piotroski: 3/9Altman Z: 7.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PEPFair Value (-2.5%)

Margin of Safety

-2.5%

Fair Value

$138.40

Current Price

$141.92

$3.52 premium

UndervaluedFair: $138.40Overvalued
UGUndervalued (+36.2%)

Margin of Safety

+36.2%

Fair Value

$10.33

Current Price

$6.99

$3.34 discount

UndervaluedFair: $10.33Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PEP3 strengths · Avg: 9.0/10
Return on EquityProfitability
40.9%10/10

Every $100 of equity generates 41 in profit

Market CapQuality
$194.11B9/10

Large-cap with strong market position

EPS GrowthGrowth
27.8%8/10

Earnings expanding 27.8% YoY

UG6 strengths · Avg: 8.5/10
Altman Z-ScoreHealth
7.0810/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
21.6%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
13.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
22.4%8/10

Strong operational efficiency at 22.4%

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

Areas to Watch

PEP4 concerns · Avg: 3.3/10
PEG RatioValuation
1.524/10

Expensive relative to growth rate

Price/BookValuation
9.1x4/10

Trading at 9.1x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-406.00M2/10

Negative free cash flow — burning cash

UG2 concerns · Avg: 3.0/10
Market CapQuality
$32.25M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : PEP

The strongest argument for PEP centers on Return on Equity, Market Cap, EPS Growth.

Bull Case : UG

The strongest argument for UG centers on Altman Z-Score, Profit Margin, P/E Ratio. Profitability is solid with margins at 21.6% and operating margin at 22.4%. Revenue growth of 15.8% demonstrates continued momentum.

Bear Case : PEP

The primary concerns for PEP are PEG Ratio, Price/Book, Piotroski F-Score. Debt-to-equity of 2.47 is elevated, increasing financial risk.

Bear Case : UG

The primary concerns for UG are Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

PEP profiles as a value stock while UG is a growth play — different risk/reward profiles.

UG carries more volatility with a beta of 0.97 — expect wider price swings.

UG is growing revenue faster at 15.8% — sustainability is the question.

UG generates stronger free cash flow (594,650), providing more financial flexibility.

Bottom Line

UG scores higher overall (71/100 vs 62/100), backed by strong 21.6% margins and 15.8% revenue growth. 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.

PepsiCo Inc

CONSUMER DEFENSIVE · BEVERAGES - NON-ALCOHOLIC · USA

PepsiCo, Inc. is an American based multinational food, snack, and beverage corporation headquartered in Harrison, New York, in the hamlet of Purchase. PepsiCo's business encompasses all aspects of the food and beverage market. It oversees the manufacturing, distribution, and marketing of its products.

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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