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 303% more annual revenue ($62.90B vs $15.59B). RYAAY leads profitability with a 12.1% profit margin vs 5.6%. RYAAY appears more attractively valued with a PEG of 5.19. UAL earns a higher WallStSmart Score of 57/100 (C).

RYAAY

Buy

52

out of 100

Grade: C-

Growth: 4.7Profit: 6.5Value: 6.7Quality: 7.0
Piotroski: 6/9Altman Z: 2.26

UAL

Buy

57

out of 100

Grade: C

Growth: 5.3Profit: 6.0Value: 4.7Quality: 4.0
Piotroski: 6/9Altman Z: 1.16
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RYAAYUndervalued (+65.2%)

Margin of Safety

+65.2%

Fair Value

$187.14

Current Price

$53.80

$133.34 discount

UndervaluedFair: $187.14Overvalued
UALSignificantly Overvalued (-55.8%)

Margin of Safety

-55.8%

Fair Value

$68.74

Current Price

$109.82

$41.08 premium

UndervaluedFair: $68.74Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RYAAY3 strengths · Avg: 8.7/10
Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

UAL4 strengths · Avg: 8.8/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
20.9%9/10

Every $100 of equity generates 21 in profit

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.0%8/10

16.0% revenue growth

Areas to Watch

RYAAY3 concerns · Avg: 2.7/10
Revenue GrowthGrowth
1.1%4/10

1.1% revenue growth

PEG RatioValuation
5.192/10

Expensive relative to growth rate

EPS GrowthGrowth
-33.1%2/10

Earnings declined 33.1%

UAL4 concerns · Avg: 2.3/10
Profit MarginProfitability
5.6%3/10

5.6% margin — thin

PEG RatioValuation
6.502/10

Expensive relative to growth rate

EPS GrowthGrowth
-17.2%2/10

Earnings declined 17.2%

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 Debt/Equity, P/E Ratio, Price/Book.

Bull Case : UAL

The strongest argument for UAL centers on P/E Ratio, Return on Equity, Price/Book. Revenue growth of 16.0% demonstrates continued momentum.

Bear Case : RYAAY

The primary concerns for RYAAY are Revenue Growth, PEG Ratio, EPS Growth.

Bear Case : UAL

The primary concerns for UAL are Profit Margin, PEG Ratio, EPS Growth. Debt-to-equity of 2.02 is elevated, increasing financial risk.

Key Dynamics to Monitor

RYAAY profiles as a value stock while UAL is a growth play — different risk/reward profiles.

UAL carries more volatility with a beta of 1.27 — expect wider price swings.

UAL is growing revenue faster at 16.0% — sustainability is the question.

RYAAY generates stronger free cash flow (729M), providing more financial flexibility.

Bottom Line

UAL scores higher overall (57/100 vs 52/100) and 16.0% revenue growth. RYAAY offers better value entry with a 65.2% margin of safety. 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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