WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Target Corporation generates 241% more annual revenue ($106.38B vs $31.21B). TGT leads profitability with a 3.2% profit margin vs -0.1%. UNFI appears more attractively valued with a PEG of 1.09. TGT earns a higher WallStSmart Score of 52/100 (C-).

TGT

Buy

52

out of 100

Grade: C-

Growth: 3.3Profit: 5.5Value: 4.7Quality: 4.5
Piotroski: 3/9Altman Z: 2.47

UNFI

Hold

44

out of 100

Grade: D

Growth: 2.7Profit: 3.0Value: 5.3Quality: 5.5
Piotroski: 3/9Altman Z: 4.73
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TGTUndervalued (+4.0%)

Margin of Safety

+4.0%

Fair Value

$119.36

Current Price

$145.90

$26.54 discount

UndervaluedFair: $119.36Overvalued

Intrinsic value data unavailable for UNFI.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TGT2 strengths · Avg: 9.0/10
Market CapQuality
$63.40B9/10

Large-cap with strong market position

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

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

Safe zone — low bankruptcy risk

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

TGT4 concerns · Avg: 3.0/10
Profit MarginProfitability
3.2%3/10

3.2% margin — thin

Operating MarginProfitability
4.5%3/10

Operating margin of 4.5%

Debt/EquityHealth
1.153/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

UNFI4 concerns · Avg: 2.8/10
Operating MarginProfitability
1.1%3/10

Operating margin of 1.1%

Debt/EquityHealth
1.973/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-5.0%2/10

ROE of -5.0% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : TGT

The strongest argument for TGT centers on 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 Profit Margin, Operating Margin, Debt/Equity. Thin 3.2% margins leave little buffer for downturns.

Bear Case : UNFI

The primary concerns for UNFI are Operating Margin, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.97 is elevated, increasing financial risk.

Key Dynamics to Monitor

TGT profiles as a value stock while UNFI is a turnaround play — different risk/reward profiles.

TGT carries more volatility with a beta of 0.98 — expect wider price swings.

TGT is growing revenue faster at 6.7% — sustainability is the question.

UNFI generates stronger free cash flow (54M), providing more financial flexibility.

Bottom Line

TGT scores higher overall (52/100 vs 44/100). Both earn "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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