WallStSmart

Colgate-Palmolive Company (CL)vsDollar General Corporation (DG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Dollar General Corporation generates 107% more annual revenue ($43.08B vs $20.80B). CL leads profitability with a 10.0% profit margin vs 3.6%. CL appears more attractively valued with a PEG of 1.58. DG earns a higher WallStSmart Score of 59/100 (C).

CL

Buy

58

out of 100

Grade: C

Growth: 4.0Profit: 8.5Value: 4.7Quality: 5.5
Piotroski: 4/9Altman Z: 4.21

DG

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 6.0Value: 6.0Quality: 5.5
Piotroski: 5/9Altman Z: 2.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CLUndervalued (+10.1%)

Margin of Safety

+10.1%

Fair Value

$98.54

Current Price

$88.58

$9.96 discount

UndervaluedFair: $98.54Overvalued
DGUndervalued (+13.5%)

Margin of Safety

+13.5%

Fair Value

$170.04

Current Price

$103.70

$66.34 discount

UndervaluedFair: $170.04Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CL4 strengths · Avg: 9.3/10
Return on EquityProfitability
36.4%10/10

Every $100 of equity generates 36 in profit

Altman Z-ScoreHealth
4.2110/10

Safe zone — low bankruptcy risk

Market CapQuality
$70.63B9/10

Large-cap with strong market position

Operating MarginProfitability
20.9%8/10

Strong operational efficiency at 20.9%

DG2 strengths · Avg: 8.0/10
P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

CL4 concerns · Avg: 3.0/10
PEG RatioValuation
1.584/10

Expensive relative to growth rate

P/E RatioValuation
34.2x4/10

Premium valuation, high expectations priced in

Price/BookValuation
492.1x2/10

Trading at 492.1x book value

EPS GrowthGrowth
-5.9%2/10

Earnings declined 5.9%

DG4 concerns · Avg: 3.5/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.4%4/10

3.4% revenue growth

Profit MarginProfitability
3.6%3/10

3.6% margin — thin

Debt/EquityHealth
1.793/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CL

The strongest argument for CL centers on Return on Equity, Altman Z-Score, Market Cap.

Bull Case : DG

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

Bear Case : CL

The primary concerns for CL are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 54.99 is elevated, increasing financial risk.

Bear Case : DG

The primary concerns for DG are PEG Ratio, Revenue Growth, Profit Margin. Debt-to-equity of 1.79 is elevated, increasing financial risk. Thin 3.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

CL carries more volatility with a beta of 0.30 — expect wider price swings.

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

CL generates stronger free cash flow (609M), providing more financial flexibility.

Monitor HOUSEHOLD & PERSONAL PRODUCTS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

DG scores higher overall (59/100 vs 58/100). Both earn "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.

Colgate-Palmolive Company

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

Colgate-Palmolive Company is an American multinational consumer products company headquartered on Park Avenue in Midtown Manhattan, New York City. It specializes in the production, distribution and provision of household, health care, personal care and veterinary products.

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Dollar General Corporation

CONSUMER DEFENSIVE · DISCOUNT STORES · USA

Dollar General Corporation is an American chain of variety stores headquartered in Goodlettsville, Tennessee.

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