Target Corporation (TGT)vsUdemy Inc (UDMY)
TGT
Target Corporation
$129.75
+1.47%
CONSUMER DEFENSIVE · Cap: $58.08B
UDMY
Udemy Inc
$4.74
-2.47%
CONSUMER DEFENSIVE · Cap: $754.49M
Smart Verdict
WallStSmart Research — data-driven comparison
Target Corporation generates 13166% more annual revenue ($104.78B vs $789.84M). TGT leads profitability with a 3.5% profit margin vs 0.5%. TGT trades at a lower P/E of 15.8x. TGT earns a higher WallStSmart Score of 48/100 (D+).
TGT
Hold48
out of 100
Grade: D+
UDMY
Avoid35
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.2%
Fair Value
$171.60
Current Price
$129.75
$41.85 discount
Margin of Safety
+52.9%
Fair Value
$9.81
Current Price
$4.74
$5.07 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Every $100 of equity generates 24 in profit
Attractively priced relative to earnings
Generating 2.3B in free cash flow
No standout strengths identified
Areas to Watch
Expensive relative to growth rate
3.5% margin — thin
Operating margin of 4.9%
Revenue declined 1.5%
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 1.9% — below average capital efficiency
0.5% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : TGT
The strongest argument for TGT centers on Market Cap, Return on Equity, P/E Ratio.
Bull Case : UDMY
UDMY has a balanced fundamental profile.
Bear Case : TGT
The primary concerns for TGT are PEG Ratio, Profit Margin, Operating Margin. Thin 3.5% margins leave little buffer for downturns.
Bear Case : UDMY
The primary concerns for UDMY are EPS Growth, Market Cap, Return on Equity. A P/E of 172.3x leaves little room for execution misses. Thin 0.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
UDMY carries more volatility with a beta of 1.68 — expect wider price swings.
TGT is growing revenue faster at -1.5% — sustainability is the question.
TGT generates stronger free cash flow (2.3B), providing more financial flexibility.
Monitor DISCOUNT STORES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TGT scores higher overall (48/100 vs 35/100). UDMY offers better value entry with a 52.9% margin of safety. Both earn "Hold" 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.
Target Corporation
CONSUMER DEFENSIVE · DISCOUNT STORES · USA
Target Corporation is an American retail corporation. Their retail formats include the discount store Target, the hypermarket SuperTarget, and small-format stores previously named CityTarget and TargetExpress before being consolidated under the Target branding.
Udemy Inc
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA
Udemy, Inc. operates a platform for teaching and learning skills in the United States and internationally. The company is headquartered in San Francisco, California.
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