WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

United Airlines Holdings Inc generates 285% more annual revenue ($59.07B vs $15.33B). RYAAY leads profitability with a 14.6% profit margin vs 5.7%. RYAAY appears more attractively valued with a PEG of 0.83. UAL earns a higher WallStSmart Score of 60/100 (C).

RYAAY

Buy

55

out of 100

Grade: C-

Growth: 6.0Profit: 7.0Value: 7.3Quality: 6.0
Piotroski: 4/9Altman Z: 1.85

UAL

Buy

60

out of 100

Grade: C

Growth: 5.3Profit: 6.0Value: 7.3Quality: 4.0
Piotroski: 6/9Altman Z: 1.16
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RYAAYSignificantly Overvalued (-96.1%)

Margin of Safety

-96.1%

Fair Value

$33.18

Current Price

$57.63

$24.45 premium

UndervaluedFair: $33.18Overvalued
UALUndervalued (+43.5%)

Margin of Safety

+43.5%

Fair Value

$201.55

Current Price

$89.95

$111.60 discount

UndervaluedFair: $201.55Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RYAAY4 strengths · Avg: 8.5/10
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

P/E RatioValuation
12.7x8/10

Attractively priced relative to earnings

UAL3 strengths · Avg: 9.0/10
P/E RatioValuation
8.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
24.0%9/10

Every $100 of equity generates 24 in profit

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

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: 2.8/10
Revenue GrowthGrowth
4.8%4/10

4.8% revenue growth

Profit MarginProfitability
5.7%3/10

5.7% margin — thin

PEG RatioValuation
5.952/10

Expensive relative to growth rate

Free Cash FlowQuality
$-604.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : RYAAY

The strongest argument for RYAAY centers on Return on Equity, Debt/Equity, PEG Ratio. 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, Return on Equity, Price/Book.

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 Revenue Growth, Profit 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 1.25 — expect wider price swings.

RYAAY is growing revenue faster at 8.6% — sustainability is the question.

RYAAY generates stronger free cash flow (-393M), providing more financial flexibility.

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

Bottom Line

UAL scores higher overall (60/100 vs 55/100). Both earn "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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