WallStSmart

Ryanair Holdings PLC ADR (RYAAY)vsUnited Airlines Holdings Inc (UAL)

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Smart Verdict

WallStSmart Research — data-driven comparison

United Airlines Holdings Inc generates 294% more annual revenue ($60.47B vs $15.33B). RYAAY leads profitability with a 14.6% profit margin vs 6.1%. RYAAY appears more attractively valued with a PEG of 0.83. UAL earns a higher WallStSmart Score of 67/100 (B-).

RYAAY

Buy

57

out of 100

Grade: C

Growth: 6.0Profit: 7.0Value: 9.3Quality: 6.0
Piotroski: 4/9Altman Z: 1.85

UAL

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 6.0Value: 6.0Quality: 4.0
Piotroski: 6/9Altman Z: 1.16
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RYAAYUndervalued (+67.5%)

Margin of Safety

+67.5%

Fair Value

$200.30

Current Price

$59.32

$140.98 discount

UndervaluedFair: $200.30Overvalued
UALUndervalued (+14.6%)

Margin of Safety

+14.6%

Fair Value

$133.39

Current Price

$96.62

$36.77 discount

UndervaluedFair: $133.39Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RYAAY4 strengths · Avg: 9.0/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Return on EquityProfitability
26.4%9/10

Every $100 of equity generates 26 in profit

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.838/10

Growing faster than its price suggests

UAL5 strengths · Avg: 9.0/10
P/E RatioValuation
8.9x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
84.5%10/10

Earnings expanding 84.5% YoY

Return on EquityProfitability
25.7%9/10

Every $100 of equity generates 26 in profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$3.13B8/10

Generating 3.1B in free cash flow

Areas to Watch

RYAAY4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.854/10

Grey zone — moderate risk

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

EPS GrowthGrowth
-79.0%2/10

Earnings declined 79.0%

Free Cash FlowQuality
$-392.53M2/10

Negative free cash flow — burning cash

UAL4 concerns · Avg: 2.5/10
Profit MarginProfitability
6.1%3/10

6.1% margin — thin

Operating MarginProfitability
4.3%3/10

Operating margin of 4.3%

PEG RatioValuation
6.502/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.162/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : RYAAY

The strongest argument for RYAAY centers on P/E Ratio, Return on Equity, Debt/Equity. PEG of 0.83 suggests the stock is reasonably priced for its growth.

Bull Case : UAL

The strongest argument for UAL centers on P/E Ratio, EPS Growth, Return on Equity. Revenue growth of 10.6% demonstrates continued momentum.

Bear Case : RYAAY

The primary concerns for RYAAY are Altman Z-Score, Operating Margin, EPS Growth.

Bear Case : UAL

The primary concerns for UAL are Profit Margin, Operating Margin, PEG Ratio. Debt-to-equity of 2.39 is elevated, increasing financial risk.

Key Dynamics to Monitor

UAL carries more volatility with a beta of 1.21 — expect wider price swings.

UAL is growing revenue faster at 10.6% — sustainability is the question.

UAL generates stronger free cash flow (3.1B), providing more financial flexibility.

Monitor AIRLINES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UAL scores higher overall (67/100 vs 57/100) and 10.6% revenue growth. RYAAY offers better value entry with a 67.5% 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.

Ryanair Holdings PLC ADR

INDUSTRIALS · AIRLINES · USA

Ryanair Holdings plc, offers regular passenger airline services in Ireland, the United Kingdom, Italy, Spain, Germany and other European countries. The company is headquartered in Swords, Ireland.

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United Airlines Holdings Inc

INDUSTRIALS · AIRLINES · USA

United Airlines Holdings, Inc. (formerly known as United Continental Holdings, Inc., UAL Corporation, Allegis Corporation and founded originally as UAL, Inc.) is a publicly traded airline holding company headquartered in the Willis Tower in Chicago. UAH owns and operates United Airlines, Inc.

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