WallStSmart

Ferrari NV (RACE)vsUnited Homes Group Inc. (UHG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ferrari NV generates 1708% more annual revenue ($7.35B vs $406.69M). RACE leads profitability with a 22.3% profit margin vs -4.0%. RACE earns a higher WallStSmart Score of 58/100 (C).

RACE

Buy

58

out of 100

Grade: C

Growth: 6.7Profit: 9.0Value: 2.7Quality: 6.5
Piotroski: 6/9Altman Z: 1.44

UHG

Hold

39

out of 100

Grade: F

Growth: 4.7Profit: 2.5Value: 6.7Quality: 6.0
Piotroski: 4/9Altman Z: 2.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RACESignificantly Overvalued (-65.1%)

Margin of Safety

-65.1%

Fair Value

$250.64

Current Price

$413.78

$163.14 premium

UndervaluedFair: $250.64Overvalued
UHGUndervalued (+33.9%)

Margin of Safety

+33.9%

Fair Value

$3.63

Current Price

$1.22

$2.41 discount

UndervaluedFair: $3.63Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RACE4 strengths · Avg: 9.5/10
Return on EquityProfitability
44.8%10/10

Every $100 of equity generates 45 in profit

Operating MarginProfitability
31.1%10/10

Strong operational efficiency at 31.1%

Market CapQuality
$71.78B9/10

Large-cap with strong market position

Profit MarginProfitability
22.3%9/10

Keeps 22 of every $100 in revenue as profit

UHG2 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
278.1%10/10

Earnings expanding 278.1% YoY

Areas to Watch

RACE4 concerns · Avg: 3.0/10
P/E RatioValuation
37.9x4/10

Premium valuation, high expectations priced in

Price/BookValuation
17.2x4/10

Trading at 17.2x book value

PEG RatioValuation
3.432/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.442/10

Distress zone — elevated risk

UHG4 concerns · Avg: 2.5/10
Market CapQuality
$71.77M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.2%3/10

Operating margin of 1.2%

Return on EquityProfitability
-30.7%2/10

ROE of -30.7% — below average capital efficiency

Revenue GrowthGrowth
-8.5%2/10

Revenue declined 8.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : RACE

The strongest argument for RACE centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 22.3% and operating margin at 31.1%.

Bull Case : UHG

The strongest argument for UHG centers on Price/Book, EPS Growth.

Bear Case : RACE

The primary concerns for RACE are P/E Ratio, Price/Book, PEG Ratio.

Bear Case : UHG

The primary concerns for UHG are Market Cap, Operating Margin, Return on Equity. Debt-to-equity of 2.82 is elevated, increasing financial risk.

Key Dynamics to Monitor

RACE profiles as a mature stock while UHG is a turnaround play — different risk/reward profiles.

UHG carries more volatility with a beta of 1.10 — expect wider price swings.

RACE is growing revenue faster at 8.4% — sustainability is the question.

RACE generates stronger free cash flow (330M), providing more financial flexibility.

Bottom Line

RACE scores higher overall (58/100 vs 39/100), backed by strong 22.3% margins. UHG offers better value entry with a 33.9% margin of safety. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Ferrari NV

CONSUMER CYCLICAL · AUTO MANUFACTURERS · USA

Ferrari NV designs, designs, produces and sells high performance sports cars. The company is headquartered in Maranello, Italy.

United Homes Group Inc.

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

United Homes Group, Inc. is a homebuilder in the Southeast that provides affordable homes for the entry-level and first move-up byer segments. The company is headquartered in Irmo, South Carolina.

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