WallStSmart

Focus Universal Inc (FCUV)vsGarmin Ltd (GRMN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Garmin Ltd generates 1869904% more annual revenue ($7.25B vs $387,460). GRMN leads profitability with a 23.0% profit margin vs 0.0%. GRMN earns a higher WallStSmart Score of 61/100 (C+).

FCUV

Avoid

13

out of 100

Grade: F

Growth: 2.7Profit: 2.5Value: 5.0Quality: 5.0

GRMN

Buy

61

out of 100

Grade: C+

Growth: 8.0Profit: 8.5Value: 7.3Quality: 9.0
Piotroski: 5/9Altman Z: 5.27
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for FCUV.

GRMNUndervalued (+40.9%)

Margin of Safety

+40.9%

Fair Value

$349.38

Current Price

$244.78

$104.60 discount

UndervaluedFair: $349.38Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FCUV0 strengths · Avg: 0/10

No standout strengths identified

GRMN6 strengths · Avg: 8.8/10
Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.2710/10

Safe zone — low bankruptcy risk

Profit MarginProfitability
23.0%9/10

Keeps 23 of every $100 in revenue as profit

Operating MarginProfitability
28.9%8/10

Strong operational efficiency at 28.9%

Revenue GrowthGrowth
16.6%8/10

16.6% revenue growth

EPS GrowthGrowth
21.2%8/10

Earnings expanding 21.2% YoY

Areas to Watch

FCUV4 concerns · Avg: 3.5/10
Price/BookValuation
14.1x4/10

Trading at 14.1x book value

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$4.14M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

GRMN2 concerns · Avg: 3.0/10
P/E RatioValuation
28.1x4/10

Moderate valuation

PEG RatioValuation
3.132/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : FCUV

FCUV has a balanced fundamental profile.

Bull Case : GRMN

The strongest argument for GRMN centers on Debt/Equity, Altman Z-Score, Profit Margin. Profitability is solid with margins at 23.0% and operating margin at 28.9%. Revenue growth of 16.6% demonstrates continued momentum.

Bear Case : FCUV

The primary concerns for FCUV are Price/Book, EPS Growth, Market Cap.

Bear Case : GRMN

The primary concerns for GRMN are P/E Ratio, PEG Ratio.

Key Dynamics to Monitor

FCUV profiles as a value stock while GRMN is a growth play — different risk/reward profiles.

GRMN carries more volatility with a beta of 0.95 — expect wider price swings.

GRMN is growing revenue faster at 16.6% — sustainability is the question.

GRMN generates stronger free cash flow (430M), providing more financial flexibility.

Bottom Line

GRMN scores higher overall (61/100 vs 13/100), backed by strong 23.0% margins and 16.6% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Focus Universal Inc

TECHNOLOGY · SCIENTIFIC & TECHNICAL INSTRUMENTS · USA

Focus Universal Inc. develops and manufactures smart instrumentation platforms and devices. The company is headquartered in Ontario, California.

Garmin Ltd

TECHNOLOGY · SCIENTIFIC & TECHNICAL INSTRUMENTS · USA

Garmin Ltd. is an American multinational technology company with headquarters in Olathe, Kansas.

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