WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Philip Morris International Inc generates 1261% more annual revenue ($40.65B vs $2.99B). PM leads profitability with a 27.9% profit margin vs 3.7%. PM appears more attractively valued with a PEG of 2.00. PM earns a higher WallStSmart Score of 70/100 (B-).

PM

Strong Buy

70

out of 100

Grade: B-

Growth: 6.0Profit: 8.5Value: 9.3Quality: 5.3
Piotroski: 5/9Altman Z: 2.18

UVV

Buy

59

out of 100

Grade: C

Growth: 8.0Profit: 5.5Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PMUndervalued (+19.1%)

Margin of Safety

+19.1%

Fair Value

$201.82

Current Price

$163.11

$38.71 discount

UndervaluedFair: $201.82Overvalued
UVVUndervalued (+74.6%)

Margin of Safety

+74.6%

Fair Value

$207.79

Current Price

$50.89

$156.90 discount

UndervaluedFair: $207.79Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PM4 strengths · Avg: 9.3/10
Market CapQuality
$272.08B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
32.9%10/10

Strong operational efficiency at 32.9%

Profit MarginProfitability
27.9%9/10

Keeps 28 of every $100 in revenue as profit

Free Cash FlowQuality
$4.26B8/10

Generating 4.3B in free cash flow

UVV3 strengths · Avg: 9.3/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

EPS GrowthGrowth
32.0%8/10

Earnings expanding 32.0% YoY

Areas to Watch

PM2 concerns · Avg: 3.5/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

UVV3 concerns · Avg: 2.7/10
Market CapQuality
$1.32B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.7%3/10

3.7% margin — thin

PEG RatioValuation
3.012/10

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 27.9% and operating margin at 32.9%.

Bull Case : UVV

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

Bear Case : PM

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

Bear Case : UVV

The primary concerns for UVV are Market Cap, Profit Margin, PEG Ratio. Thin 3.7% 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 0.67 — expect wider price swings.

PM is growing revenue faster at 6.8% — sustainability is the question.

PM generates stronger free cash flow (4.3B), providing more financial flexibility.

Bottom Line

PM scores higher overall (70/100 vs 59/100), backed by strong 27.9% margins. UVV offers better value entry with a 74.6% margin of safety. Both earn "Strong Buy" and "Buy" 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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