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NGVC vs UDMY

NGVC
Natural Grocers by Vitamin Cottage, Inc.
BULLISH
Price
$28.96
Market Cap
$667.0M
Sector
Consumer Defensive
AI Confidence
75%
UDMY
Udemy, Inc.
NEUTRAL
Price
$5.17
Market Cap
$754.5M
Sector
Consumer Defensive
AI Confidence
80%

Valuation

P/E Ratio
NGVC
14.06
UDMY
172.33
Forward P/E
NGVC
12.99
UDMY
8.31
P/B Ratio
NGVC
3.03
UDMY
3.62
P/S Ratio
NGVC
0.5
UDMY
0.96
EV/EBITDA
NGVC
9.98
UDMY
70.63

Profitability

Gross Margin
NGVC
33.65%
UDMY
65.63%
Operating Margin
NGVC
4.38%
UDMY
0.15%
Profit Margin
NGVC
3.58%
UDMY
0.48%
ROE
NGVC
23.81%
UDMY
1.87%
ROA
NGVC
6.01%
UDMY
0.12%

Growth

Revenue Growth
NGVC
1.6%
UDMY
-3.0%
Earnings Growth
NGVC
14.0%
UDMY
--

Financial Health

Debt/Equity
NGVC
1.48
UDMY
0.05
Current Ratio
NGVC
1.07
UDMY
1.31
Quick Ratio
NGVC
0.21
UDMY
1.14

Dividends

Dividend Yield
NGVC
2.07%
UDMY
--
Payout Ratio
NGVC
24.76%
UDMY
0.0%

AI Verdict

NGVC BULLISH

NGVC presents a compelling value opportunity, characterized by a stable Piotroski F-Score of 6/9 and a current price ($28.96) that sits comfortably between its defensive Graham Number ($21.04) and its growth-based Intrinsic Value ($57.68). While the technical trend is currently bearish and revenue growth is stagnant at 1.6%, the company demonstrates exceptional operational efficiency with an ROE of 23.81% and a consistent track record of earnings beats. The valuation is significantly discounted relative to the Consumer Defensive sector average P/E of 35.93. Despite liquidity concerns indicated by a low quick ratio, the strong analyst consensus and earnings trajectory support a bullish long-term outlook.

Strengths
Attractive valuation with a P/E of 14.06 vs sector average of 35.93
High Return on Equity (ROE) of 23.81%
Consistent earnings surprise track record (3/4 beats in last 4 quarters)
Risks
Severe liquidity risk indicated by a Quick Ratio of 0.21
Stagnant top-line growth (Revenue Growth YoY of only 1.60%)
Strongly bearish technical trend (0/100) and -41.3% 1-year price return
UDMY NEUTRAL

UDMY exhibits a strong deterministic health profile with a Piotroski F-Score of 7/9 and very low leverage (Debt/Equity 0.05), yet it faces severe valuation and growth headwinds. While the forward P/E of 8.31 suggests significant earnings potential, the current price of $5.17 trades at a massive premium to its Graham Number ($0.98) and Intrinsic Value ($0.21). Negative YoY revenue growth (-3.00%) and bearish insider activity from the CFO offset the positive analyst sentiment and consistent earnings beats. The stock is currently a battle between a healthy balance sheet and a stalling growth engine.

Strengths
Strong Piotroski F-Score (7/9) indicating robust financial health
Extremely low debt-to-equity ratio (0.05)
Consistent track record of beating earnings estimates (3/4 last 4 quarters)
Risks
Negative YoY and Q/Q revenue growth (-3.00%)
Razor-thin profit margins (0.48%) leaving little room for error
Significant disconnect between current price and deterministic fair value (Graham/Intrinsic)

Compare Another Pair

NGVC vs UDMY: Head-to-Head Comparison

This page compares Natural Grocers by Vitamin Cottage, Inc. (NGVC) and Udemy, Inc. (UDMY) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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