WallStSmart

Colgate-Palmolive Company (CL)vsUnilever PLC ADR (UL)

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Smart Verdict

WallStSmart Research — data-driven comparison

Unilever PLC ADR generates 141% more annual revenue ($50.62B vs $21.05B). UL leads profitability with a 18.3% profit margin vs 9.7%. CL appears more attractively valued with a PEG of 1.60. CL earns a higher WallStSmart Score of 54/100 (C-).

CL

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 8.5Value: 4.7Quality: 5.5
Piotroski: 4/9Altman Z: 4.21

UL

Hold

48

out of 100

Grade: D+

Growth: 2.7Profit: 8.5Value: 4.3Quality: 5.0
Piotroski: 4/9Altman Z: 2.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CLUndervalued (+11.6%)

Margin of Safety

+11.6%

Fair Value

$99.21

Current Price

$87.47

$11.74 discount

UndervaluedFair: $99.21Overvalued

Intrinsic value data unavailable for UL.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CL4 strengths · Avg: 9.3/10
Return on EquityProfitability
863.1%10/10

Every $100 of equity generates 863 in profit

Altman Z-ScoreHealth
4.2110/10

Safe zone — low bankruptcy risk

Market CapQuality
$69.19B9/10

Large-cap with strong market position

Operating MarginProfitability
21.0%8/10

Strong operational efficiency at 21.0%

UL4 strengths · Avg: 8.8/10
Return on EquityProfitability
70.6%10/10

Every $100 of equity generates 71 in profit

Market CapQuality
$138.24B9/10

Large-cap with strong market position

Operating MarginProfitability
20.3%8/10

Strong operational efficiency at 20.3%

Free Cash FlowQuality
$1.76B8/10

Generating 1.8B in free cash flow

Areas to Watch

CL4 concerns · Avg: 3.5/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

P/E RatioValuation
34.6x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
4.9%4/10

4.9% revenue growth

Price/BookValuation
291.6x2/10

Trading at 291.6x book value

UL4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

Debt/EquityHealth
1.983/10

Elevated debt levels

PEG RatioValuation
11.042/10

Expensive relative to growth rate

EPS GrowthGrowth
-5.6%2/10

Earnings declined 5.6%

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 : UL

The strongest argument for UL centers on Return on Equity, Market Cap, Operating Margin. Profitability is solid with margins at 18.3% and operating margin at 20.3%.

Bear Case : CL

The primary concerns for CL are PEG Ratio, P/E Ratio, Revenue Growth. Debt-to-equity of 33.29 is elevated, increasing financial risk.

Bear Case : UL

The primary concerns for UL are Revenue Growth, Debt/Equity, PEG Ratio. Debt-to-equity of 1.98 is elevated, increasing financial risk.

Key Dynamics to Monitor

UL carries more volatility with a beta of 0.45 — expect wider price swings.

CL is growing revenue faster at 4.9% — sustainability is the question.

UL generates stronger free cash flow (1.8B), providing more financial flexibility.

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

Bottom Line

CL scores higher overall (54/100 vs 48/100). Both earn "Buy" 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.

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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Unilever PLC ADR

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

Unilever PLC is a fast moving consumer goods company in Asia, Africa, the Middle East, Turkey, Russia, Ukraine, Belarus, America and Europe. The company is headquartered in London, the United Kingdom.

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