WallStSmart

Swvl Holdings Corp (SWVL)vsUnion Pacific Corporation (UNP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Union Pacific Corporation generates 126702% more annual revenue ($24.51B vs $19.33M). UNP leads profitability with a 29.1% profit margin vs -21.8%. UNP earns a higher WallStSmart Score of 60/100 (C).

SWVL

Avoid

31

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: -30.65

UNP

Buy

60

out of 100

Grade: C

Growth: 3.3Profit: 9.5Value: 5.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for SWVL.

UNPOvervalued (-13.1%)

Margin of Safety

-13.1%

Fair Value

$211.98

Current Price

$241.33

$29.35 premium

UndervaluedFair: $211.98Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SWVL2 strengths · Avg: 8.5/10
Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
26.3%8/10

Revenue surging 26.3% year-over-year

UNP5 strengths · Avg: 9.2/10
Return on EquityProfitability
40.4%10/10

Every $100 of equity generates 40 in profit

Operating MarginProfitability
40.9%10/10

Strong operational efficiency at 40.9%

Market CapQuality
$142.22B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

Free Cash FlowQuality
$1.23B8/10

Generating 1.2B in free cash flow

Areas to Watch

SWVL4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$14.55M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-4.2%2/10

ROE of -4.2% — below average capital efficiency

Free Cash FlowQuality
$-126,5302/10

Negative free cash flow — burning cash

UNP2 concerns · Avg: 2.0/10
PEG RatioValuation
2.692/10

Expensive relative to growth rate

Revenue GrowthGrowth
-0.6%2/10

Revenue declined 0.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : SWVL

The strongest argument for SWVL centers on Debt/Equity, Revenue Growth. Revenue growth of 26.3% demonstrates continued momentum.

Bull Case : UNP

The strongest argument for UNP centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 29.1% and operating margin at 40.9%.

Bear Case : SWVL

The primary concerns for SWVL are EPS Growth, Market Cap, Return on Equity.

Bear Case : UNP

The primary concerns for UNP are PEG Ratio, Revenue Growth.

Key Dynamics to Monitor

SWVL profiles as a growth stock while UNP is a declining play — different risk/reward profiles.

UNP carries more volatility with a beta of 0.95 — expect wider price swings.

SWVL is growing revenue faster at 26.3% — sustainability is the question.

UNP generates stronger free cash flow (1.2B), providing more financial flexibility.

Bottom Line

UNP scores higher overall (60/100 vs 31/100), backed by strong 29.1% 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.

Swvl Holdings Corp

INDUSTRIALS · RAILROADS · USA

Swvl Holdings Corp is a pioneering provider of innovative transportation and mobility solutions, focusing on on-demand transit services in emerging markets. Utilizing cutting-edge technology, the company delivers cost-effective and efficient mass transit options that significantly improve urban connectivity and address traffic congestion challenges. Recognized as a leader in the bus-hailing sector, Swvl is well-positioned to capitalize on the accelerating demand for sustainable mobility solutions, bolstered by strategic partnerships and a scalable business model. As the global transportation ecosystem evolves towards more integrated frameworks, Swvl is uniquely poised for substantial growth and meaningful contributions to public transport infrastructure.

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Union Pacific Corporation

INDUSTRIALS · RAILROADS · USA

The Union Pacific Corporation (Union Pacific) is a publicly traded railroad holding company. It was incorporated in Utah in 1969 and is headquartered in Omaha, Nebraska. It is the parent company of the current, Delaware-registered, form of the Union Pacific Railroad.

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