WallStSmart

3M Company (MMM)vsUnilever PLC ADR (UL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Unilever PLC ADR generates 102% more annual revenue ($50.50B vs $24.95B). UL leads profitability with a 18.8% profit margin vs 13.0%. MMM appears more attractively valued with a PEG of 1.43. MMM earns a higher WallStSmart Score of 54/100 (C-).

MMM

Buy

54

out of 100

Grade: C-

Growth: 2.7Profit: 7.0Value: 7.3Quality: 5.5
Piotroski: 5/9Altman Z: 2.82

UL

Buy

50

out of 100

Grade: C-

Growth: 2.0Profit: 8.5Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MMMSignificantly Overvalued (-323.6%)

Margin of Safety

-323.6%

Fair Value

$40.80

Current Price

$148.05

$107.25 premium

UndervaluedFair: $40.80Overvalued
ULSignificantly Overvalued (-268.2%)

Margin of Safety

-268.2%

Fair Value

$20.26

Current Price

$60.80

$40.54 premium

UndervaluedFair: $20.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MMM3 strengths · Avg: 9.0/10
Return on EquityProfitability
75.5%10/10

Every $100 of equity generates 76 in profit

Market CapQuality
$77.25B9/10

Large-cap with strong market position

Free Cash FlowQuality
$1.33B8/10

Generating 1.3B 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
$132.46B9/10

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

MMM4 concerns · Avg: 2.8/10
Price/BookValuation
16.7x4/10

Trading at 16.7x book value

Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

EPS GrowthGrowth
-19.9%2/10

Earnings declined 19.9%

Debt/EquityHealth
2.751/10

Elevated debt levels

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 : MMM

The strongest argument for MMM centers on Return on Equity, Market Cap, Free Cash Flow. PEG of 1.43 suggests the stock is reasonably priced for its growth.

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 : MMM

The primary concerns for MMM are Price/Book, Revenue Growth, EPS Growth. Debt-to-equity of 2.75 is elevated, increasing financial risk.

Bear Case : UL

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

Key Dynamics to Monitor

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

MMM carries more volatility with a beta of 1.13 — expect wider price swings.

MMM is growing revenue faster at 2.0% — sustainability is the question.

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

Bottom Line

MMM scores higher overall (54/100 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.

3M Company

INDUSTRIALS · CONGLOMERATES · USA

The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.

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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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