WallStSmart

Novartis AG ADR (NVS)vsPenumbra Inc (PEN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Novartis AG ADR generates 3667% more annual revenue ($56.69B vs $1.50B). NVS leads profitability with a 22.5% profit margin vs 10.7%. NVS appears more attractively valued with a PEG of 3.56. NVS earns a higher WallStSmart Score of 51/100 (C-).

NVS

Buy

51

out of 100

Grade: C-

Growth: 4.0Profit: 9.0Value: 3.3Quality: 4.5
Piotroski: 4/9Altman Z: 1.96

PEN

Hold

42

out of 100

Grade: D

Growth: 5.3Profit: 6.0Value: 2.7Quality: 9.0
Piotroski: 4/9Altman Z: 4.15
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NVSSignificantly Overvalued (-66.5%)

Margin of Safety

-66.5%

Fair Value

$92.73

Current Price

$156.33

$63.60 premium

UndervaluedFair: $92.73Overvalued
PENOvervalued (-8.2%)

Margin of Safety

-8.2%

Fair Value

$312.67

Current Price

$324.66

$11.99 premium

UndervaluedFair: $312.67Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NVS5 strengths · Avg: 9.4/10
Market CapQuality
$291.32B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
30.7%10/10

Every $100 of equity generates 31 in profit

Operating MarginProfitability
34.6%10/10

Strong operational efficiency at 34.6%

Profit MarginProfitability
22.5%9/10

Keeps 23 of every $100 in revenue as profit

Free Cash FlowQuality
$5.57B8/10

Generating 5.6B in free cash flow

PEN2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
4.1510/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.159/10

Conservative balance sheet, low leverage

Areas to Watch

NVS4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.8%4/10

0.8% revenue growth

Altman Z-ScoreHealth
1.964/10

Grey zone — moderate risk

Debt/EquityHealth
1.183/10

Elevated debt levels

PEG RatioValuation
3.562/10

Expensive relative to growth rate

PEN4 concerns · Avg: 2.5/10
Price/BookValuation
8.7x4/10

Trading at 8.7x book value

PEG RatioValuation
4.112/10

Expensive relative to growth rate

P/E RatioValuation
78.7x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-23.5%2/10

Earnings declined 23.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : NVS

The strongest argument for NVS centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 22.5% and operating margin at 34.6%.

Bull Case : PEN

The strongest argument for PEN centers on Altman Z-Score, Debt/Equity. Revenue growth of 14.9% demonstrates continued momentum.

Bear Case : NVS

The primary concerns for NVS are Revenue Growth, Altman Z-Score, Debt/Equity.

Bear Case : PEN

The primary concerns for PEN are Price/Book, PEG Ratio, P/E Ratio. A P/E of 78.7x leaves little room for execution misses.

Key Dynamics to Monitor

PEN carries more volatility with a beta of 0.70 — expect wider price swings.

PEN is growing revenue faster at 14.9% — sustainability is the question.

NVS generates stronger free cash flow (5.6B), providing more financial flexibility.

Monitor DRUG MANUFACTURERS - GENERAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

NVS scores higher overall (51/100 vs 42/100), backed by strong 22.5% margins. 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.

Novartis AG ADR

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Novartis AG researches, develops, manufactures and markets medical devices worldwide. The company is headquartered in Basel, Switzerland.

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Penumbra Inc

HEALTHCARE · MEDICAL DEVICES · USA

Penumbra, Inc. designs, develops, manufactures, and markets medical devices in the United States, Europe, Canada, Australia, and internationally. The company is headquartered in Alameda, California.

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