WallStSmart

Procter & Gamble Company (PG)vsUniversal Technical Institute Inc (UTI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Procter & Gamble Company generates 10042% more annual revenue ($86.72B vs $855.03M). PG leads profitability with a 19.2% profit margin vs 6.3%. UTI appears more attractively valued with a PEG of 3.12. PG earns a higher WallStSmart Score of 61/100 (C+).

PG

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 8.5Value: 3.3Quality: 6.0
Piotroski: 4/9Altman Z: 3.01

UTI

Hold

40

out of 100

Grade: D

Growth: 6.0Profit: 6.0Value: 3.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PGSignificantly Overvalued (-37.3%)

Margin of Safety

-37.3%

Fair Value

$107.17

Current Price

$147.09

$39.92 premium

UndervaluedFair: $107.17Overvalued
UTIOvervalued (-10.1%)

Margin of Safety

-10.1%

Fair Value

$24.67

Current Price

$37.53

$12.86 premium

UndervaluedFair: $24.67Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PG5 strengths · Avg: 9.2/10
Market CapQuality
$342.51B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
31.1%10/10

Every $100 of equity generates 31 in profit

Altman Z-ScoreHealth
3.0110/10

Safe zone — low bankruptcy risk

Operating MarginProfitability
23.1%8/10

Strong operational efficiency at 23.1%

Free Cash FlowQuality
$3.03B8/10

Generating 3.0B in free cash flow

UTI0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

PG1 concerns · Avg: 2.0/10
PEG RatioValuation
4.082/10

Expensive relative to growth rate

UTI4 concerns · Avg: 3.0/10
P/E RatioValuation
37.6x4/10

Premium valuation, high expectations priced in

Market CapQuality
$1.99B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
6.3%3/10

6.3% margin — thin

PEG RatioValuation
3.122/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : PG

The strongest argument for PG centers on Market Cap, Return on Equity, Altman Z-Score. Profitability is solid with margins at 19.2% and operating margin at 23.1%.

Bull Case : UTI

UTI has a balanced fundamental profile.

Bear Case : PG

The primary concerns for PG are PEG Ratio.

Bear Case : UTI

The primary concerns for UTI are P/E Ratio, Market Cap, Profit Margin.

Key Dynamics to Monitor

PG profiles as a mature stock while UTI is a value play — different risk/reward profiles.

UTI carries more volatility with a beta of 1.33 — expect wider price swings.

UTI is growing revenue faster at 9.6% — sustainability is the question.

PG generates stronger free cash flow (3.0B), providing more financial flexibility.

Bottom Line

PG scores higher overall (61/100 vs 40/100), backed by strong 19.2% 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.

Procter & Gamble Company

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

The Procter & Gamble Company (P&G) is an American multinational consumer goods corporation headquartered in Cincinnati, Ohio, founded in 1837 by William Procter and James Gamble. It specializes in a wide range of personal health, consumer health, personal care, and hygiene products; these products are organized into several segments including Beauty; Grooming; Health Care; Fabric & Home Care; and Baby, Feminine, & Family Care. Before the sale of Pringles to Kellogg's, its product portfolio also included food, snacks, and beverages.

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Universal Technical Institute Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Universal Technical Institute, Inc. offers postsecondary education for students seeking careers as professional automotive, diesel, collision repair, motorcycle and marine technicians in the United States. The company is headquartered in Phoenix, Arizona.

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