WallStSmart

Altria Group (MO)vsUniversal Corporation (UVV)

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Smart Verdict

WallStSmart Research — data-driven comparison

Altria Group generates 697% more annual revenue ($22.75B vs $2.85B). MO leads profitability with a 35.7% profit margin vs 0.7%. MO appears more attractively valued with a PEG of 2.99. MO earns a higher WallStSmart Score of 55/100 (C).

MO

Buy

55

out of 100

Grade: C

Growth: 5.3Profit: 8.5Value: 4.0Quality: 6.5
Piotroski: 4/9Altman Z: 2.86

UVV

Hold

42

out of 100

Grade: D

Growth: 2.7Profit: 4.5Value: 2.7Quality: 7.5
Piotroski: 4/9Altman Z: 3.12
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MOSignificantly Overvalued (-50.8%)

Margin of Safety

-50.8%

Fair Value

$51.74

Current Price

$78.03

$26.29 premium

UndervaluedFair: $51.74Overvalued
UVVFair Value (-4.7%)

Margin of Safety

-4.7%

Fair Value

$50.51

Current Price

$41.44

$9.07 premium

UndervaluedFair: $50.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MO6 strengths · Avg: 9.2/10
Profit MarginProfitability
35.7%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
54.2%10/10

Strong operational efficiency at 54.2%

Debt/EquityHealth
-9.2110/10

Conservative balance sheet, low leverage

Market CapQuality
$129.80B9/10

Large-cap with strong market position

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
16.8%8/10

16.8% revenue growth

UVV2 strengths · Avg: 10.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.1210/10

Safe zone — low bankruptcy risk

Areas to Watch

MO2 concerns · Avg: 2.5/10
Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

PEG RatioValuation
2.992/10

Expensive relative to growth rate

UVV4 concerns · Avg: 3.0/10
Market CapQuality
$1.03B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.8%3/10

ROE of 5.8% — below average capital efficiency

Profit MarginProfitability
0.7%3/10

0.7% margin — thin

Operating MarginProfitability
0.4%3/10

Operating margin of 0.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : MO

The strongest argument for MO centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 35.7% and operating margin at 54.2%. Revenue growth of 16.8% demonstrates continued momentum.

Bull Case : UVV

The strongest argument for UVV centers on Price/Book, Altman Z-Score.

Bear Case : MO

The primary concerns for MO are Return on Equity, PEG Ratio.

Bear Case : UVV

The primary concerns for UVV are Market Cap, Return on Equity, Profit Margin. A P/E of 54.5x leaves little room for execution misses. Thin 0.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

MO profiles as a growth stock while UVV is a value play — different risk/reward profiles.

UVV carries more volatility with a beta of 0.57 — expect wider price swings.

MO is growing revenue faster at 16.8% — sustainability is the question.

MO generates stronger free cash flow (662M), providing more financial flexibility.

Bottom Line

MO scores higher overall (55/100 vs 42/100), backed by strong 35.7% margins and 16.8% revenue growth. 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.

Altria Group

CONSUMER DEFENSIVE · TOBACCO · USA

Altria Group, Inc. (previously known as Philip Morris Companies, Inc.) is an American corporation and one of the world's largest producers and marketers of tobacco, cigarettes and related products. It operates worldwide and is headquartered in unincorporated Henrico County, Virginia, just outside the city of Richmond.

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Universal Corporation

CONSUMER DEFENSIVE · TOBACCO · USA

Universal Corporation processes and supplies leaf tobacco and plant ingredients worldwide. The company is headquartered in Richmond, Virginia.

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