WallStSmart

Philip Morris International Inc (PM)vsUniversal Corporation (UVV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Philip Morris International Inc generates 1325% more annual revenue ($41.49B vs $2.91B). PM leads profitability with a 26.7% profit margin vs 2.9%. PM appears more attractively valued with a PEG of 1.90. PM earns a higher WallStSmart Score of 54/100 (C-).

PM

Buy

54

out of 100

Grade: C-

Growth: 4.7Profit: 8.5Value: 4.0Quality: 5.3
Piotroski: 5/9Altman Z: 2.18

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

PMSignificantly Overvalued (-46.5%)

Margin of Safety

-46.5%

Fair Value

$115.51

Current Price

$166.38

$50.87 premium

UndervaluedFair: $115.51Overvalued
UVVUndervalued (+33.4%)

Margin of Safety

+33.4%

Fair Value

$79.35

Current Price

$53.85

$25.50 discount

UndervaluedFair: $79.35Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PM3 strengths · Avg: 9.7/10
Market CapQuality
$263.69B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
36.0%10/10

Strong operational efficiency at 36.0%

Profit MarginProfitability
26.7%9/10

Keeps 27 of every $100 in revenue as profit

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

Reasonable price relative to book value

P/E RatioValuation
16.0x8/10

Attractively priced relative to earnings

Areas to Watch

PM4 concerns · Avg: 2.8/10
PEG RatioValuation
1.904/10

Expensive relative to growth rate

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

EPS GrowthGrowth
-9.3%2/10

Earnings declined 9.3%

Free Cash FlowQuality
$-752.00M2/10

Negative free cash flow — burning cash

UVV4 concerns · Avg: 2.8/10
Market CapQuality
$1.35B3/10

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
3.082/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : PM

The strongest argument for PM centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 36.0%.

Bull Case : UVV

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

Bear Case : PM

The primary concerns for PM are PEG Ratio, Return on Equity, EPS 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

PM profiles as a mature stock while UVV is a value play — different risk/reward profiles.

UVV carries more volatility with a beta of 0.60 — expect wider price swings.

PM is growing revenue faster at 9.1% — sustainability is the question.

UVV generates stronger free cash flow (95M), providing more financial flexibility.

Bottom Line

PM scores higher overall (54/100 vs 45/100), backed by strong 26.7% margins. 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.

Philip Morris International Inc

CONSUMER DEFENSIVE · TOBACCO · USA

Philip Morris International Inc. (PMI) is a Swiss-American multinational cigarette and tobacco manufacturing company, with products sold in over 180 countries. The most recognized and best selling product of the company is Marlboro.

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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