WallStSmart

Sun Country Airlines Holdings Inc (SNCY)vsUnited Airlines Holdings Inc (UAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

United Airlines Holdings Inc generates 5142% more annual revenue ($59.07B vs $1.13B). UAL leads profitability with a 5.7% profit margin vs 4.7%. UAL trades at a lower P/E of 9.2x. UAL earns a higher WallStSmart Score of 60/100 (C).

SNCY

Hold

45

out of 100

Grade: D

Growth: 4.7Profit: 5.5Value: 5.7Quality: 5.0

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

SNCYSignificantly Overvalued (-219.1%)

Margin of Safety

-219.1%

Fair Value

$6.53

Current Price

$17.21

$10.68 premium

UndervaluedFair: $6.53Overvalued
UALUndervalued (+43.5%)

Margin of Safety

+43.5%

Fair Value

$201.55

Current Price

$92.95

$108.60 discount

UndervaluedFair: $201.55Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SNCY2 strengths · Avg: 9.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

UAL3 strengths · Avg: 9.0/10
P/E RatioValuation
9.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
24.0%9/10

Every $100 of equity generates 24 in profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

SNCY3 concerns · Avg: 2.7/10
Market CapQuality
$896.28M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.7%3/10

4.7% margin — thin

EPS GrowthGrowth
-37.9%2/10

Earnings declined 37.9%

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
6.862/10

Expensive relative to growth rate

Free Cash FlowQuality
$-604.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : SNCY

The strongest argument for SNCY centers on Price/Book, P/E Ratio.

Bull Case : UAL

The strongest argument for UAL centers on P/E Ratio, Return on Equity, Price/Book.

Bear Case : SNCY

The primary concerns for SNCY are Market Cap, Profit Margin, EPS Growth. Thin 4.7% margins leave little buffer for downturns.

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

SNCY carries more volatility with a beta of 1.56 — expect wider price swings.

SNCY is growing revenue faster at 7.9% — sustainability is the question.

SNCY generates stronger free cash flow (35M), providing more financial flexibility.

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

Bottom Line

UAL scores higher overall (60/100 vs 45/100). Both earn "Buy" 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.

Sun Country Airlines Holdings Inc

INDUSTRIALS · AIRLINES · USA

Sun Country Airlines Holdings, Inc., an air transportation company, provides scheduled passenger service, air cargo service, charter air transportation, and related services in the United States, Latin America, and internationally. The company is headquartered in Minneapolis, Minnesota.

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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