WallStSmart

Rush Enterprises A Inc (RUSHA)vsUniversal Corporation (UVV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Rush Enterprises A Inc generates 150% more annual revenue ($7.27B vs $2.91B). RUSHA leads profitability with a 3.6% profit margin vs 2.9%. UVV appears more attractively valued with a PEG of 3.06. RUSHA earns a higher WallStSmart Score of 47/100 (D+).

RUSHA

Hold

47

out of 100

Grade: D+

Growth: 4.0Profit: 5.0Value: 6.0Quality: 6.3
Piotroski: 4/9Altman Z: 3.13

UVV

Hold

45

out of 100

Grade: D+

Growth: 4.0Profit: 5.0Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RUSHAUndervalued (+55.8%)

Margin of Safety

+55.8%

Fair Value

$164.81

Current Price

$72.31

$92.50 discount

UndervaluedFair: $164.81Overvalued
UVVUndervalued (+33.3%)

Margin of Safety

+33.3%

Fair Value

$79.29

Current Price

$53.70

$25.59 discount

UndervaluedFair: $79.29Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RUSHA2 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.1310/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

UVV2 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

Areas to Watch

RUSHA4 concerns · Avg: 2.5/10
Profit MarginProfitability
3.6%3/10

3.6% margin — thin

Operating MarginProfitability
4.9%3/10

Operating margin of 4.9%

PEG RatioValuation
3.162/10

Expensive relative to growth rate

Revenue GrowthGrowth
-9.0%2/10

Revenue declined 9.0%

UVV4 concerns · Avg: 2.8/10
Market CapQuality
$1.34B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

PEG RatioValuation
3.062/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : RUSHA

The strongest argument for RUSHA centers on Altman Z-Score, Price/Book.

Bull Case : UVV

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

Bear Case : RUSHA

The primary concerns for RUSHA are Profit Margin, Operating Margin, PEG Ratio. Thin 3.6% margins leave little buffer for downturns.

Bear Case : UVV

The primary concerns for UVV are Market Cap, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

RUSHA carries more volatility with a beta of 0.93 — expect wider price swings.

UVV is growing revenue faster at -8.1% — sustainability is the question.

UVV generates stronger free cash flow (95M), providing more financial flexibility.

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

Bottom Line

RUSHA scores higher overall (47/100 vs 45/100). UVV offers better value entry with a 33.3% margin of safety. Both earn "Hold" 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.

Rush Enterprises A Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Rush Enterprises, Inc. is an integrated retailer of commercial vehicles and related services in the United States. The company is headquartered in New Braunfels, Texas.

Universal Corporation

CONSUMER DEFENSIVE · TOBACCO · USA

Universal Corporation processes and supplies leaf tobacco and plant ingredients worldwide. The company is headquartered in Richmond, Virginia.

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