WallStSmart

PACCAR Inc (PCAR)vsUniversal Corporation (UVV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PACCAR Inc generates 854% more annual revenue ($27.78B vs $2.91B). PCAR leads profitability with a 8.9% profit margin vs 2.9%. PCAR appears more attractively valued with a PEG of 1.19. PCAR earns a higher WallStSmart Score of 54/100 (C-).

PCAR

Buy

54

out of 100

Grade: C-

Growth: 4.0Profit: 6.0Value: 4.7Quality: 4.5
Piotroski: 1/9

UVV

Hold

45

out of 100

Grade: D+

Growth: 4.0Profit: 5.0Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PCARSignificantly Overvalued (-24.5%)

Margin of Safety

-24.5%

Fair Value

$103.99

Current Price

$114.31

$10.32 premium

UndervaluedFair: $103.99Overvalued
UVVUndervalued (+33.4%)

Margin of Safety

+33.4%

Fair Value

$79.32

Current Price

$53.70

$25.62 discount

UndervaluedFair: $79.32Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PCAR1 strengths · Avg: 9.0/10
Market CapQuality
$60.02B9/10

Large-cap with strong market position

UVV2 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

Areas to Watch

PCAR2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Revenue GrowthGrowth
-8.9%2/10

Revenue declined 8.9%

UVV4 concerns · Avg: 2.8/10
Market CapQuality
$1.34B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

PEG RatioValuation
3.062/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : PCAR

The strongest argument for PCAR centers on Market Cap. PEG of 1.19 suggests the stock is reasonably priced for its growth.

Bull Case : UVV

The strongest argument for UVV centers on Price/Book, P/E Ratio.

Bear Case : PCAR

The primary concerns for PCAR are Piotroski F-Score, Revenue Growth.

Bear Case : UVV

The primary concerns for UVV are Market Cap, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

PCAR carries more volatility with a beta of 1.03 — expect wider price swings.

UVV is growing revenue faster at -8.1% — sustainability is the question.

PCAR generates stronger free cash flow (825M), providing more financial flexibility.

Monitor FARM & HEAVY CONSTRUCTION MACHINERY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PCAR scores higher overall (54/100 vs 45/100). UVV offers better value entry with a 33.4% margin of safety. 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.

PACCAR Inc

INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA

PACCAR Inc is an American Fortune 500 company and counts among the largest manufacturers of medium- and heavy-duty trucks in the world. PACCAR is engaged in the design, manufacture and customer support of light-, medium- and heavy-duty trucks under the Kenworth, Peterbilt, Leyland Trucks, and DAF nameplates. PACCAR also designs and manufactures powertrains, provides financial services and information technology, and distributes truck parts related to its principal business.

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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