WallStSmart

Air Products and Chemicals Inc (APD)vsUBS Group AG (UBS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UBS Group AG generates 312% more annual revenue ($51.31B vs $12.46B). UBS leads profitability with a 17.8% profit margin vs 16.9%. UBS appears more attractively valued with a PEG of 0.53. UBS earns a higher WallStSmart Score of 79/100 (B+).

APD

Buy

57

out of 100

Grade: C

Growth: 4.7Profit: 7.0Value: 3.3Quality: 3.5
Piotroski: 1/9Altman Z: 1.36

UBS

Strong Buy

79

out of 100

Grade: B+

Growth: 8.0Profit: 7.0Value: 7.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

APDSignificantly Overvalued (-76.9%)

Margin of Safety

-76.9%

Fair Value

$166.96

Current Price

$295.41

$128.45 premium

UndervaluedFair: $166.96Overvalued

Intrinsic value data unavailable for UBS.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

APD2 strengths · Avg: 8.5/10
Market CapQuality
$65.78B9/10

Large-cap with strong market position

Operating MarginProfitability
23.6%8/10

Strong operational efficiency at 23.6%

UBS6 strengths · Avg: 8.8/10
Operating MarginProfitability
31.5%10/10

Strong operational efficiency at 31.5%

EPS GrowthGrowth
84.4%10/10

Earnings expanding 84.4% YoY

Market CapQuality
$148.26B9/10

Large-cap with strong market position

PEG RatioValuation
0.538/10

Growing faster than its price suggests

P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

APD4 concerns · Avg: 3.5/10
PEG RatioValuation
2.464/10

Expensive relative to growth rate

P/E RatioValuation
31.1x4/10

Premium valuation, high expectations priced in

Debt/EquityHealth
1.183/10

Elevated debt levels

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

UBS0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : APD

The strongest argument for APD centers on Market Cap, Operating Margin. Profitability is solid with margins at 16.9% and operating margin at 23.6%.

Bull Case : UBS

The strongest argument for UBS centers on Operating Margin, EPS Growth, Market Cap. Profitability is solid with margins at 17.8% and operating margin at 31.5%. Revenue growth of 13.8% demonstrates continued momentum.

Bear Case : APD

The primary concerns for APD are PEG Ratio, P/E Ratio, Debt/Equity.

Bear Case : UBS

No major red flags identified for UBS, but monitor valuation.

Key Dynamics to Monitor

UBS carries more volatility with a beta of 0.83 — expect wider price swings.

UBS is growing revenue faster at 13.8% — sustainability is the question.

Monitor SPECIALTY CHEMICALS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UBS scores higher overall (79/100 vs 57/100), backed by strong 17.8% margins and 13.8% 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.

Air Products and Chemicals Inc

BASIC MATERIALS · SPECIALTY CHEMICALS · USA

Air Products and Chemicals, Inc. is an American international corporation whose principal business is selling gases and chemicals for industrial uses. Air Products' headquarters is in Allentown, Pennsylvania.

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UBS Group AG

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

UBS Group AG, provides advice and financial solutions to private, institutional and corporate clients worldwide. The company is headquartered in Zurich, Switzerland.

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