WallStSmart

Udemy Inc (UDMY)vsWalmart Inc. (WMT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Walmart Inc. generates 91729% more annual revenue ($725.30B vs $789.84M). WMT leads profitability with a 3.1% profit margin vs 0.5%. WMT trades at a lower P/E of 39.8x. WMT earns a higher WallStSmart Score of 49/100 (D+).

UDMY

Avoid

35

out of 100

Grade: F

Growth: 4.0Profit: 4.0Value: 5.0Quality: 5.0

WMT

Hold

49

out of 100

Grade: D+

Growth: 6.7Profit: 5.5Value: 3.7Quality: 6.0
Piotroski: 4/9Altman Z: 3.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

UDMYUndervalued (+15.4%)

Margin of Safety

+15.4%

Fair Value

$5.46

Current Price

$4.63

$0.83 discount

UndervaluedFair: $5.46Overvalued

Intrinsic value data unavailable for WMT.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

UDMY0 strengths · Avg: 0/10

No standout strengths identified

WMT3 strengths · Avg: 9.7/10
Market CapQuality
$899.74B10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.6610/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
24.4%9/10

Every $100 of equity generates 24 in profit

Areas to Watch

UDMY4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$675.68M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.9%3/10

ROE of 1.9% — below average capital efficiency

Profit MarginProfitability
0.5%3/10

0.5% margin — thin

WMT4 concerns · Avg: 3.5/10
P/E RatioValuation
39.8x4/10

Premium valuation, high expectations priced in

Price/BookValuation
9.5x4/10

Trading at 9.5x book value

Profit MarginProfitability
3.1%3/10

3.1% margin — thin

Operating MarginProfitability
4.2%3/10

Operating margin of 4.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : UDMY

UDMY has a balanced fundamental profile.

Bull Case : WMT

The strongest argument for WMT centers on Market Cap, Altman Z-Score, Return on Equity.

Bear Case : UDMY

The primary concerns for UDMY are EPS Growth, Market Cap, Return on Equity. A P/E of 154.3x leaves little room for execution misses. Thin 0.5% margins leave little buffer for downturns.

Bear Case : WMT

The primary concerns for WMT are P/E Ratio, Price/Book, Profit Margin. Thin 3.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

UDMY carries more volatility with a beta of 1.58 — expect wider price swings.

WMT is growing revenue faster at 7.3% — sustainability is the question.

UDMY generates stronger free cash flow (15M), providing more financial flexibility.

Monitor EDUCATION & TRAINING SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

WMT scores higher overall (49/100 vs 35/100). UDMY offers better value entry with a 15.4% 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.

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.

Walmart Inc.

CONSUMER DEFENSIVE · DISCOUNT STORES · USA

Walmart Inc. is an American multinational retail corporation that operates a chain of hypermarkets, discount department stores, and grocery stores from the United States, headquartered in Bentonville, Arkansas. It also owns and operates Sam's Club retail warehouses.

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