WallStSmart

Raytech Holding Limited Ordinary Shares (RAY)vsUnilever PLC ADR (UL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Unilever PLC ADR generates 69016% more annual revenue ($50.50B vs $73.07M). UL leads profitability with a 18.8% profit margin vs 11.5%. RAY trades at a lower P/E of 4.5x. UL earns a higher WallStSmart Score of 46/100 (D+).

RAY

Hold

42

out of 100

Grade: D

Growth: 4.7Profit: 6.0Value: 6.7Quality: 7.3
Piotroski: 3/9Altman Z: 5.32

UL

Hold

46

out of 100

Grade: D+

Growth: 2.0Profit: 8.5Value: 4.3Quality: 5.0
Piotroski: 4/9Altman Z: 2.20

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RAY3 strengths · Avg: 10.0/10
P/E RatioValuation
4.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
5.3210/10

Safe zone — low bankruptcy risk

UL4 strengths · Avg: 8.8/10
Return on EquityProfitability
76.2%10/10

Every $100 of equity generates 76 in profit

Market CapQuality
$127.59B9/10

Large-cap with strong market position

Operating MarginProfitability
20.1%8/10

Strong operational efficiency at 20.1%

Free Cash FlowQuality
$5.48B8/10

Generating 5.5B in free cash flow

Areas to Watch

RAY4 concerns · Avg: 2.5/10
Market CapQuality
$9.82M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-13.1%2/10

Revenue declined 13.1%

EPS GrowthGrowth
-42.8%2/10

Earnings declined 42.8%

UL4 concerns · Avg: 2.3/10
Debt/EquityHealth
1.913/10

Elevated debt levels

PEG RatioValuation
10.832/10

Expensive relative to growth rate

Revenue GrowthGrowth
-3.2%2/10

Revenue declined 3.2%

EPS GrowthGrowth
-3.4%2/10

Earnings declined 3.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : RAY

The strongest argument for RAY centers on P/E Ratio, Price/Book, Altman Z-Score.

Bull Case : UL

The strongest argument for UL centers on Return on Equity, Market Cap, Operating Margin. Profitability is solid with margins at 18.8% and operating margin at 20.1%.

Bear Case : RAY

The primary concerns for RAY are Market Cap, Piotroski F-Score, Revenue Growth.

Bear Case : UL

The primary concerns for UL are Debt/Equity, PEG Ratio, Revenue Growth. Debt-to-equity of 1.91 is elevated, increasing financial risk.

Key Dynamics to Monitor

UL carries more volatility with a beta of 0.45 — expect wider price swings.

UL is growing revenue faster at -3.2% — sustainability is the question.

UL generates stronger free cash flow (5.5B), providing more financial flexibility.

Monitor HOUSEHOLD & PERSONAL PRODUCTS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UL scores higher overall (46/100 vs 42/100), backed by strong 18.8% margins. Both earn "Hold" 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.

Raytech Holding Limited Ordinary Shares

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

Raytech Holding Limited is a forward-thinking technology company specializing in the advancement of telecommunications, energy, and smart technology sectors. With a strong emphasis on innovative solutions backed by cutting-edge research and strategic partnerships, Raytech enhances operational efficiencies while driving sustainable practices that contribute to long-term growth and shareholder value. As the company expands its global footprint, it remains dedicated to aligning its technological innovations with the evolving demands of modern infrastructure, positioning itself as a key player in the dynamic tech landscape.

Unilever PLC ADR

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

Unilever PLC is a fast moving consumer goods company in Asia, Africa, the Middle East, Turkey, Russia, Ukraine, Belarus, America and Europe. The company is headquartered in London, the United Kingdom.

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