WallStSmart

Carrier Global Corp (CARR)vsUniversal Corporation (UVV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Carrier Global Corp generates 648% more annual revenue ($21.87B vs $2.92B). CARR leads profitability with a 6.0% profit margin vs 1.1%. CARR appears more attractively valued with a PEG of 1.71. UVV earns a higher WallStSmart Score of 44/100 (D).

CARR

Hold

44

out of 100

Grade: D

Growth: 4.0Profit: 5.5Value: 3.3Quality: 5.0
Piotroski: 2/9Altman Z: 1.66

UVV

Hold

44

out of 100

Grade: D

Growth: 3.3Profit: 4.5Value: 3.3Quality: 8.0
Piotroski: 4/9Altman Z: 3.12
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CARRSignificantly Overvalued (-75.8%)

Margin of Safety

-75.8%

Fair Value

$40.47

Current Price

$68.54

$28.07 premium

UndervaluedFair: $40.47Overvalued
UVVFair Value (-1.2%)

Margin of Safety

-1.2%

Fair Value

$52.25

Current Price

$53.76

$1.51 premium

UndervaluedFair: $52.25Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CARR1 strengths · Avg: 9.0/10
Market CapQuality
$59.08B9/10

Large-cap with strong market position

UVV2 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.1210/10

Safe zone — low bankruptcy risk

Areas to Watch

CARR4 concerns · Avg: 3.8/10
PEG RatioValuation
1.714/10

Expensive relative to growth rate

Revenue GrowthGrowth
2.4%4/10

2.4% revenue growth

Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

Profit MarginProfitability
6.0%3/10

6.0% margin — thin

UVV4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
1.8%4/10

1.8% revenue growth

Market CapQuality
$1.34B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.8%3/10

ROE of 5.8% — below average capital efficiency

Profit MarginProfitability
1.1%3/10

1.1% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : CARR

The strongest argument for CARR centers on Market Cap.

Bull Case : UVV

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

Bear Case : CARR

The primary concerns for CARR are PEG Ratio, Revenue Growth, Altman Z-Score. A P/E of 47.4x leaves little room for execution misses.

Bear Case : UVV

The primary concerns for UVV are Revenue Growth, Market Cap, Return on Equity. A P/E of 41.5x leaves little room for execution misses. Thin 1.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

CARR carries more volatility with a beta of 1.34 — expect wider price swings.

CARR is growing revenue faster at 2.4% — sustainability is the question.

UVV generates stronger free cash flow (179M), providing more financial flexibility.

Monitor BUILDING PRODUCTS & EQUIPMENT industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CARR scores higher overall (44/100 vs 44/100). 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.

Carrier Global Corp

INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA

Carrier Global Corporation is an American multinational home appliances corporation based in Palm Beach Gardens, Florida.

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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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