WallStSmart

The Southern Company JR 2017B NT 77 (SOJC)vsUDR Inc (UDR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UDR leads profitability with a 29.6% profit margin vs 0.0%. UDR trades at a lower P/E of 22.9x. UDR earns a higher WallStSmart Score of 59/100 (C).

SOJC

Avoid

21

out of 100

Grade: F

Growth: 4.0Profit: 4.5Value: 5.3Quality: 3.0
Piotroski: 2/9Altman Z: 0.65

UDR

Buy

59

out of 100

Grade: C

Growth: 5.3Profit: 7.5Value: 5.3Quality: 3.0
Piotroski: 5/9Altman Z: 0.13
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for SOJC.

UDRUndervalued (+29.6%)

Margin of Safety

+29.6%

Fair Value

$56.50

Current Price

$35.12

$21.38 discount

UndervaluedFair: $56.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SOJC0 strengths · Avg: 0/10

No standout strengths identified

UDR3 strengths · Avg: 9.0/10
EPS GrowthGrowth
90.9%10/10

Earnings expanding 90.9% YoY

Profit MarginProfitability
29.6%9/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
20.2%8/10

Strong operational efficiency at 20.2%

Areas to Watch

SOJC4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

UDR4 concerns · Avg: 1.8/10
PEG RatioValuation
8.172/10

Expensive relative to growth rate

Revenue GrowthGrowth
-0.1%2/10

Revenue declined 0.1%

Altman Z-ScoreHealth
0.132/10

Distress zone — elevated risk

Debt/EquityHealth
2.041/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : SOJC

SOJC has a balanced fundamental profile.

Bull Case : UDR

The strongest argument for UDR centers on EPS Growth, Profit Margin, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 20.2%.

Bear Case : SOJC

The primary concerns for SOJC are Revenue Growth, EPS Growth, Profit Margin. Debt-to-equity of 1.95 is elevated, increasing financial risk.

Bear Case : UDR

The primary concerns for UDR are PEG Ratio, Revenue Growth, Altman Z-Score. Debt-to-equity of 2.04 is elevated, increasing financial risk.

Key Dynamics to Monitor

SOJC profiles as a value stock while UDR is a declining play — different risk/reward profiles.

SOJC is growing revenue faster at 0.0% — sustainability is the question.

UDR generates stronger free cash flow (200M), providing more financial flexibility.

Monitor REIT - RESIDENTIAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UDR scores higher overall (59/100 vs 21/100), backed by strong 29.6% margins. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

The Southern Company JR 2017B NT 77

REAL ESTATE · REIT - RESIDENTIAL · USA

The Southern Company is dedicated to the generation, transmission and distribution of electric power. The company is headquartered in Atlanta, Georgia.

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UDR Inc

REAL ESTATE · REIT - RESIDENTIAL · USA

UDR Inc. is a publicly traded real estate investment trust that invests in apartments. The company is organized in Maryland with its headquarters in Highlands Ranch, Colorado.

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