WallStSmart

Target Corporation (TGT)vsUnited Natural Foods Inc (UNFI)

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Smart Verdict

WallStSmart Research — data-driven comparison

Target Corporation generates 246% more annual revenue ($107.70B vs $31.15B). TGT leads profitability with a 4.1% profit margin vs 0.3%. UNFI appears more attractively valued with a PEG of 1.09. TGT earns a higher WallStSmart Score of 66/100 (B-).

TGT

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 6.0Value: 6.0Quality: 4.5
Piotroski: 3/9Altman Z: 2.47

UNFI

Hold

49

out of 100

Grade: D+

Growth: 2.7Profit: 3.5Value: 5.0Quality: 5.5
Piotroski: 3/9Altman Z: 4.73
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TGTUndervalued (+5.3%)

Margin of Safety

+5.3%

Fair Value

$120.98

Current Price

$155.83

$34.85 discount

UndervaluedFair: $120.98Overvalued

Intrinsic value data unavailable for UNFI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TGT5 strengths · Avg: 8.8/10
EPS GrowthGrowth
100.5%10/10

Earnings expanding 100.5% YoY

Market CapQuality
$70.79B9/10

Large-cap with strong market position

Return on EquityProfitability
24.6%9/10

Every $100 of equity generates 25 in profit

P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.43B8/10

Generating 2.4B in free cash flow

UNFI2 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
4.7310/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

TGT4 concerns · Avg: 3.3/10
PEG RatioValuation
1.944/10

Expensive relative to growth rate

Profit MarginProfitability
4.1%3/10

4.1% margin — thin

Debt/EquityHealth
1.053/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

UNFI4 concerns · Avg: 3.3/10
P/E RatioValuation
33.3x4/10

Premium valuation, high expectations priced in

Profit MarginProfitability
0.3%3/10

0.3% margin — thin

Operating MarginProfitability
1.1%3/10

Operating margin of 1.1%

Debt/EquityHealth
1.973/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : TGT

The strongest argument for TGT centers on EPS Growth, Market Cap, Return on Equity.

Bull Case : UNFI

The strongest argument for UNFI centers on Altman Z-Score, Price/Book. PEG of 1.09 suggests the stock is reasonably priced for its growth.

Bear Case : TGT

The primary concerns for TGT are PEG Ratio, Profit Margin, Debt/Equity. Thin 4.1% margins leave little buffer for downturns.

Bear Case : UNFI

The primary concerns for UNFI are P/E Ratio, Profit Margin, Operating Margin. Debt-to-equity of 1.97 is elevated, increasing financial risk. Thin 0.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

TGT carries more volatility with a beta of 0.99 — expect wider price swings.

TGT is growing revenue faster at 5.3% — sustainability is the question.

TGT generates stronger free cash flow (2.4B), providing more financial flexibility.

Monitor DISCOUNT STORES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TGT scores higher overall (66/100 vs 49/100). 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 Natural Foods Inc

CONSUMER DEFENSIVE · FOOD DISTRIBUTION · USA

United Natural Foods, Inc. distributes natural, organic, specialty, agricultural and conventional, edible and non-food products in the United States and Canada. The company is headquartered in Providence, Rhode Island.

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