Household & Personal Products
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CL vs UL
Revenue, margins, valuation, and 5-year total return — side by side.
Household & Personal Products
CL vs UL — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Household & Personal Products | Household & Personal Products |
| Market Cap | $69.26B | $127.64B |
| Revenue (TTM) | $20.38B | $120.06B |
| Net Income (TTM) | $2.13B | $12.20B |
| Gross Margin | 60.1% | 71.3% |
| Operating Margin | 21.3% | 15.8% |
| Forward P/E | 22.6x | 18.5x |
| Total Debt | $7.99B | $30.66B |
| Cash & Equiv. | $1.29B | $6.14B |
CL vs UL — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Colgate-Palmolive C… (CL) | 100 | 119.4 | +19.4% |
| Unilever PLC (UL) | 100 | 108.1 | +8.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CL vs UL
Each card shows where this stock fits in a portfolio — not just who wins on paper.
CL is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta -0.00, current ratio 1.00x
- Beta -0.00, yield 2.6%, current ratio 1.00x
- 10.5% margin vs UL's 10.2%
UL carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 0 yrs, beta 0.05, yield 3.4%
- Rev growth 1.9%, EPS growth -10.5%, 3Y rev CAGR 5.0%
- 74.7% 10Y total return vs CL's 46.2%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 1.9% revenue growth vs CL's 1.4% | |
| Value | Lower P/E (18.5x vs 22.6x) | |
| Quality / Margins | 10.5% margin vs UL's 10.2% | |
| Stability / Safety | Lower D/E ratio (135.9% vs 21.9%) | |
| Dividends | 2.6% yield, 5-year raise streak, vs UL's 3.4% | |
| Momentum (1Y) | -2.6% vs UL's -4.4% | |
| Efficiency (ROA) | 16.0% ROA vs CL's 12.5%, ROIC 15.3% vs 43.4% |
CL vs UL — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
CL vs UL — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
CL leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
UL is the larger business by revenue, generating $120.1B annually — 5.9x CL's $20.4B. Profitability is closely matched — net margins range from 10.5% (CL) to 10.2% (UL). On growth, CL holds the edge at +5.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $20.4B | $120.1B |
| EBITDAEarnings before interest/tax | $3.9B | $21.7B |
| Net IncomeAfter-tax profit | $2.1B | $12.2B |
| Free Cash FlowCash after capex | $3.6B | $14.5B |
| Gross MarginGross profit ÷ Revenue | +60.1% | +71.3% |
| Operating MarginEBIT ÷ Revenue | +21.3% | +15.8% |
| Net MarginNet income ÷ Revenue | +10.5% | +10.2% |
| FCF MarginFCF ÷ Revenue | +17.8% | +12.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | +5.8% | -3.2% |
| EPS Growth (YoY)Latest quarter vs prior year | -105.1% | -3.4% |
Valuation Metrics
UL leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 21.8x trailing earnings, UL trades at a 33% valuation discount to CL's 32.8x P/E. On an enterprise value basis, UL's 12.0x EV/EBITDA is more attractive than CL's 15.3x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $69.3B | $127.6B |
| Enterprise ValueMkt cap + debt − cash | $76.0B | $156.3B |
| Trailing P/EPrice ÷ TTM EPS | 32.83x | 21.83x |
| Forward P/EPrice ÷ next-FY EPS est. | 22.61x | 18.46x |
| PEG RatioP/E ÷ EPS growth rate | — | 16.00x |
| EV / EBITDAEnterprise value multiple | 15.26x | 11.99x |
| Price / SalesMarket cap ÷ Revenue | 3.40x | 1.80x |
| Price / BookPrice ÷ Book value/share | 191.84x | 5.56x |
| Price / FCFMarket cap ÷ FCF | 19.06x | 14.04x |
Profitability & Efficiency
CL leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
CL delivers a 2.5% return on equity — every $100 of shareholder capital generates $3 in annual profit, vs $61 for UL. UL carries lower financial leverage with a 1.36x debt-to-equity ratio, signaling a more conservative balance sheet compared to CL's 21.88x. On the Piotroski fundamental quality scale (0–9), CL scores 6/9 vs UL's 5/9, reflecting solid financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +2.5% | +61.2% |
| ROA (TTM)Return on assets | +12.5% | +16.0% |
| ROICReturn on invested capital | +43.4% | +15.3% |
| ROCEReturn on capital employed | +41.6% | +17.7% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 21.88x | 1.36x |
| Net DebtTotal debt minus cash | $6.7B | $24.5B |
| Cash & Equiv.Liquid assets | $1.3B | $6.1B |
| Total DebtShort + long-term debt | $8.0B | $30.7B |
| Interest CoverageEBIT ÷ Interest expense | 12.37x | 20.96x |
Total Returns (Dividends Reinvested)
Evenly matched — CL and UL each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CL five years ago would be worth $11,816 today (with dividends reinvested), compared to $11,724 for UL. Over the past 12 months, CL leads with a -2.6% total return vs UL's -4.4%. The 3-year compound annual growth rate (CAGR) favors UL at 5.3% vs CL's 4.7% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +12.5% | -9.3% |
| 1-Year ReturnPast 12 months | -2.6% | -4.4% |
| 3-Year ReturnCumulative with dividends | +14.6% | +16.7% |
| 5-Year ReturnCumulative with dividends | +18.2% | +17.2% |
| 10-Year ReturnCumulative with dividends | +46.2% | +74.7% |
| CAGR (3Y)Annualised 3-year return | +4.7% | +5.3% |
Risk & Volatility
CL leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
CL is the less volatile stock with a -0.00 beta — it tends to amplify market swings less than UL's 0.05 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CL currently trades 86.9% from its 52-week high vs UL's 77.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | -0.00x | 0.05x |
| 52-Week HighHighest price in past year | $99.33 | $74.98 |
| 52-Week LowLowest price in past year | $74.55 | $54.95 |
| % of 52W HighCurrent price vs 52-week peak | +86.9% | +77.9% |
| RSI (14)Momentum oscillator 0–100 | 50.1 | 48.5 |
| Avg Volume (50D)Average daily shares traded | 5.6M | 4.6M |
Analyst Outlook
Evenly matched — CL and UL each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CL as "Hold" and UL as "Hold". Consensus price targets imply 12.2% upside for UL (target: $66) vs 8.5% for CL (target: $94). For income investors, UL offers the higher dividend yield at 3.45% vs CL's 2.60%.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $93.70 | $65.55 |
| # AnalystsCovering analysts | 45 | 35 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +3.4% |
| Dividend StreakConsecutive years of raises | 5 | 0 |
| Dividend / ShareAnnual DPS | $2.25 | $1.72 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.7% | +1.4% |
CL leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). UL leads in 1 (Valuation Metrics). 2 tied.
CL vs UL: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CL or UL a better buy right now?
For growth investors, Unilever PLC (UL) is the stronger pick with 1.
9% revenue growth year-over-year, versus 1. 4% for Colgate-Palmolive Company (CL). Unilever PLC (UL) offers the better valuation at 21. 8x trailing P/E (18. 5x forward), making it the more compelling value choice. Analysts rate Colgate-Palmolive Company (CL) a "Hold" — based on 45 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CL or UL?
On trailing P/E, Unilever PLC (UL) is the cheapest at 21.
8x versus Colgate-Palmolive Company at 32. 8x. On forward P/E, Unilever PLC is actually cheaper at 18. 5x.
03Which is the better long-term investment — CL or UL?
Over the past 5 years, Colgate-Palmolive Company (CL) delivered a total return of +18.
2%, compared to +17. 2% for Unilever PLC (UL). Over 10 years, the gap is even starker: UL returned +74. 7% versus CL's +46. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CL or UL?
By beta (market sensitivity over 5 years), Colgate-Palmolive Company (CL) is the lower-risk stock at -0.
00β versus Unilever PLC's 0. 05β — meaning UL is approximately -1252% more volatile than CL relative to the S&P 500. On balance sheet safety, Unilever PLC (UL) carries a lower debt/equity ratio of 136% versus 22% for Colgate-Palmolive Company — giving it more financial flexibility in a downturn.
05Which is growing faster — CL or UL?
By revenue growth (latest reported year), Unilever PLC (UL) is pulling ahead at 1.
9% versus 1. 4% for Colgate-Palmolive Company (CL). On earnings-per-share growth, the picture is similar: Unilever PLC grew EPS -10. 5% year-over-year, compared to -25. 1% for Colgate-Palmolive Company. Over a 3-year CAGR, UL leads at 5. 0% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CL or UL?
Colgate-Palmolive Company (CL) is the more profitable company, earning 10.
5% net margin versus 9. 5% for Unilever PLC — meaning it keeps 10. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CL leads at 21. 3% versus 15. 5% for UL. At the gross margin level — before operating expenses — UL leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CL or UL more undervalued right now?
On forward earnings alone, Unilever PLC (UL) trades at 18.
5x forward P/E versus 22. 6x for Colgate-Palmolive Company — 4. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for UL: 12. 2% to $65. 55.
08Which pays a better dividend — CL or UL?
All stocks in this comparison pay dividends.
Unilever PLC (UL) offers the highest yield at 3. 4%, versus 2. 6% for Colgate-Palmolive Company (CL).
09Is CL or UL better for a retirement portfolio?
For long-horizon retirement investors, Colgate-Palmolive Company (CL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.
00), 2. 6% yield). Both have compounded well over 10 years (CL: +46. 2%, UL: +74. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CL and UL?
Both stocks operate in the Consumer Defensive sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CL is a mid-cap quality compounder stock; UL is a mid-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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