WallStSmart

Target Corporation (TGT)vsUnited-Guardian Inc (UG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Target Corporation generates 993499% more annual revenue ($104.78B vs $10.55M). UG leads profitability with a 20.0% profit margin vs 3.5%. UG appears more attractively valued with a PEG of 1.13. UG earns a higher WallStSmart Score of 67/100 (B-).

TGT

Hold

48

out of 100

Grade: D+

Growth: 2.0Profit: 5.5Value: 7.3Quality: 5.3
Piotroski: 4/9Altman Z: 2.48

UG

Strong Buy

67

out of 100

Grade: B-

Growth: 6.0Profit: 8.0Value: 8.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TGTUndervalued (+33.2%)

Margin of Safety

+33.2%

Fair Value

$171.60

Current Price

$127.87

$43.73 discount

UndervaluedFair: $171.60Overvalued
UGUndervalued (+37.7%)

Margin of Safety

+37.7%

Fair Value

$10.58

Current Price

$7.13

$3.45 discount

UndervaluedFair: $10.58Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TGT4 strengths · Avg: 8.5/10
Market CapQuality
$58.08B9/10

Large-cap with strong market position

Return on EquityProfitability
24.0%9/10

Every $100 of equity generates 24 in profit

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.29B8/10

Generating 2.3B in free cash flow

UG6 strengths · Avg: 8.2/10
Profit MarginProfitability
20.0%9/10

Keeps 20 of every $100 in revenue as profit

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.4%8/10

Strong operational efficiency at 24.4%

Revenue GrowthGrowth
19.6%8/10

19.6% revenue growth

EPS GrowthGrowth
29.0%8/10

Earnings expanding 29.0% YoY

Areas to Watch

TGT4 concerns · Avg: 3.0/10
PEG RatioValuation
2.414/10

Expensive relative to growth rate

Profit MarginProfitability
3.5%3/10

3.5% margin — thin

Operating MarginProfitability
4.9%3/10

Operating margin of 4.9%

Revenue GrowthGrowth
-1.5%2/10

Revenue declined 1.5%

UG1 concerns · Avg: 3.0/10
Market CapQuality
$32.34M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull Case : TGT

The strongest argument for TGT centers on Market Cap, Return on Equity, P/E Ratio.

Bull Case : UG

The strongest argument for UG centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 20.0% and operating margin at 24.4%. Revenue growth of 19.6% demonstrates continued momentum.

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 : UG

The primary concerns for UG are Market Cap.

Key Dynamics to Monitor

TGT profiles as a value stock while UG is a growth play — different risk/reward profiles.

TGT carries more volatility with a beta of 1.03 — expect wider price swings.

UG is growing revenue faster at 19.6% — sustainability is the question.

TGT generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

UG scores higher overall (67/100 vs 48/100), backed by strong 20.0% margins and 19.6% revenue growth. TGT offers better value entry with a 33.2% margin of safety. Both earn "Strong 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.

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.

United-Guardian Inc

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

United-Guardian, Inc. manufactures and markets cosmetic ingredients, pharmaceuticals, medical lubricants, and specialty industrial products in the United States and internationally. The company is headquartered in Hauppauge, New York.

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