WallStSmart

Kroger Company (KR)vsUnilever PLC ADR (UL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Kroger Company generates 192% more annual revenue ($147.64B vs $50.50B). UL leads profitability with a 18.8% profit margin vs 0.7%. KR appears more attractively valued with a PEG of 1.73. KR earns a higher WallStSmart Score of 55/100 (C).

KR

Buy

55

out of 100

Grade: C

Growth: 5.3Profit: 5.0Value: 4.7Quality: 5.3
Piotroski: 3/9Altman Z: 3.79

UL

Buy

50

out of 100

Grade: C-

Growth: 2.0Profit: 8.5Value: 4.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

KRUndervalued (+4.7%)

Margin of Safety

+4.7%

Fair Value

$72.07

Current Price

$73.22

$1.15 discount

UndervaluedFair: $72.07Overvalued
ULSignificantly Overvalued (-266.9%)

Margin of Safety

-266.9%

Fair Value

$20.33

Current Price

$59.37

$39.04 premium

UndervaluedFair: $20.33Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KR3 strengths · Avg: 9.3/10
EPS GrowthGrowth
50.1%10/10

Earnings expanding 50.1% YoY

Altman Z-ScoreHealth
3.7910/10

Safe zone — low bankruptcy risk

Free Cash FlowQuality
$1.80B8/10

Generating 1.8B in free cash flow

UL4 strengths · Avg: 8.8/10
Return on EquityProfitability
31.0%10/10

Every $100 of equity generates 31 in profit

Market CapQuality
$129.73B9/10

Large-cap with strong market position

Operating MarginProfitability
20.1%8/10

Strong operational efficiency at 20.1%

Free Cash FlowQuality
$5.48B8/10

Generating 5.5B in free cash flow

Areas to Watch

KR4 concerns · Avg: 3.5/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Revenue GrowthGrowth
1.2%4/10

1.2% revenue growth

Profit MarginProfitability
0.7%3/10

0.7% margin — thin

Operating MarginProfitability
3.5%3/10

Operating margin of 3.5%

UL3 concerns · Avg: 2.7/10
PEG RatioValuation
1.914/10

Expensive relative to growth rate

Revenue GrowthGrowth
-3.2%2/10

Revenue declined 3.2%

EPS GrowthGrowth
-3.4%2/10

Earnings declined 3.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : KR

The strongest argument for KR centers on EPS Growth, Altman Z-Score, Free Cash Flow.

Bull Case : UL

The strongest argument for UL centers on Return on Equity, Market Cap, Operating Margin. Profitability is solid with margins at 18.8% and operating margin at 20.1%.

Bear Case : KR

The primary concerns for KR are PEG Ratio, Revenue Growth, Profit Margin. A P/E of 47.5x leaves little room for execution misses. Thin 0.7% margins leave little buffer for downturns.

Bear Case : UL

The primary concerns for UL are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

KR profiles as a value stock while UL is a declining play — different risk/reward profiles.

KR carries more volatility with a beta of 0.59 — expect wider price swings.

KR is growing revenue faster at 1.2% — sustainability is the question.

UL generates stronger free cash flow (5.5B), providing more financial flexibility.

Bottom Line

KR scores higher overall (55/100 vs 50/100). 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.

Kroger Company

CONSUMER DEFENSIVE · GROCERY STORES · USA

The Kroger Company, or simply Kroger, is an American retail company founded by Bernard Kroger in 1883 in Cincinnati, Ohio.

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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