WallStSmart

Target Corporation (TGT)vsUnited-Guardian Inc (UG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Target Corporation generates 960985% more annual revenue ($107.70B vs $11.21M). UG leads profitability with a 22.0% profit margin vs 4.1%. UG appears more attractively valued with a PEG of 1.13. TGT earns a higher WallStSmart Score of 66/100 (B-).

TGT

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 6.0Value: 6.0Quality: 4.5
Piotroski: 3/9Altman Z: 2.47

UG

Strong Buy

65

out of 100

Grade: B-

Growth: 5.3Profit: 8.0Value: 8.0Quality: 7.3
Piotroski: 3/9Altman Z: 7.18
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TGTUndervalued (+5.3%)

Margin of Safety

+5.3%

Fair Value

$120.98

Current Price

$155.83

$34.85 discount

UndervaluedFair: $120.98Overvalued
UGUndervalued (+36.8%)

Margin of Safety

+36.8%

Fair Value

$10.43

Current Price

$7.17

$3.26 discount

UndervaluedFair: $10.43Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TGT5 strengths · Avg: 8.8/10
EPS GrowthGrowth
100.5%10/10

Earnings expanding 100.5% YoY

Market CapQuality
$70.79B9/10

Large-cap with strong market position

Return on EquityProfitability
24.6%9/10

Every $100 of equity generates 25 in profit

P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.43B8/10

Generating 2.4B in free cash flow

UG5 strengths · Avg: 8.6/10
Altman Z-ScoreHealth
7.1810/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
22.0%9/10

Keeps 22 of every $100 in revenue as profit

P/E RatioValuation
13.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.3%8/10

Strong operational efficiency at 24.3%

Areas to Watch

TGT4 concerns · Avg: 3.3/10
PEG RatioValuation
1.944/10

Expensive relative to growth rate

Profit MarginProfitability
4.1%3/10

4.1% margin — thin

Debt/EquityHealth
1.053/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

UG2 concerns · Avg: 3.0/10
Market CapQuality
$32.78M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : TGT

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

Bull Case : UG

The strongest argument for UG centers on Altman Z-Score, Profit Margin, P/E Ratio. Profitability is solid with margins at 22.0% and operating margin at 24.3%. PEG of 1.13 suggests the stock is reasonably priced for its growth.

Bear Case : TGT

The primary concerns for TGT are PEG Ratio, Profit Margin, Debt/Equity. Thin 4.1% margins leave little buffer for downturns.

Bear Case : UG

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

Key Dynamics to Monitor

TGT profiles as a value stock while UG is a mature play — different risk/reward profiles.

TGT carries more volatility with a beta of 0.99 — expect wider price swings.

UG is growing revenue faster at 9.5% — sustainability is the question.

TGT generates stronger free cash flow (2.4B), providing more financial flexibility.

Bottom Line

TGT scores higher overall (66/100 vs 65/100). UG offers better value entry with a 36.8% margin of safety. Both earn "Strong Buy" and "Strong 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.

Target Corporation

CONSUMER DEFENSIVE · DISCOUNT STORES · USA

Target Corporation is an American retail corporation. Their retail formats include the discount store Target, the hypermarket SuperTarget, and small-format stores previously named CityTarget and TargetExpress before being consolidated under the Target branding.

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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