WallStSmart

ACV Auctions Inc. (ACVA)vsThe Home Depot Inc (HD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Home Depot Inc generates 21228% more annual revenue ($166.59B vs $781.10M). HD leads profitability with a 8.4% profit margin vs -8.0%. HD earns a higher WallStSmart Score of 54/100 (C-).

ACVA

Hold

37

out of 100

Grade: F

Growth: 6.7Profit: 2.0Value: 6.7Quality: 5.0
Piotroski: 5/9Altman Z: 0.47

HD

Buy

54

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 4.0Quality: 5.0
Piotroski: 2/9Altman Z: 3.59
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ACVAUndervalued (+57.9%)

Margin of Safety

+57.9%

Fair Value

$17.12

Current Price

$5.66

$11.46 discount

UndervaluedFair: $17.12Overvalued
HDSignificantly Overvalued (-46.5%)

Margin of Safety

-46.5%

Fair Value

$212.07

Current Price

$310.78

$98.71 premium

UndervaluedFair: $212.07Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACVA1 strengths · Avg: 8.0/10
Price/BookValuation
2.3x8/10

Reasonable price relative to book value

HD4 strengths · Avg: 9.5/10
Market CapQuality
$310.62B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
101.0%10/10

Every $100 of equity generates 101 in profit

Altman Z-ScoreHealth
3.5910/10

Safe zone — low bankruptcy risk

Free Cash FlowQuality
$5.19B8/10

Generating 5.2B in free cash flow

Areas to Watch

ACVA4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.15B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-14.4%2/10

ROE of -14.4% — below average capital efficiency

Altman Z-ScoreHealth
0.472/10

Distress zone — elevated risk

HD4 concerns · Avg: 3.3/10
PEG RatioValuation
1.764/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.8%4/10

4.8% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Price/BookValuation
22.3x2/10

Trading at 22.3x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : ACVA

The strongest argument for ACVA centers on Price/Book. Revenue growth of 11.8% demonstrates continued momentum.

Bull Case : HD

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

Bear Case : ACVA

The primary concerns for ACVA are EPS Growth, Market Cap, Return on Equity.

Bear Case : HD

The primary concerns for HD are PEG Ratio, Revenue Growth, Piotroski F-Score. Debt-to-equity of 4.18 is elevated, increasing financial risk.

Key Dynamics to Monitor

ACVA profiles as a turnaround stock while HD is a value play — different risk/reward profiles.

ACVA carries more volatility with a beta of 1.78 — expect wider price swings.

ACVA is growing revenue faster at 11.8% — sustainability is the question.

HD generates stronger free cash flow (5.2B), providing more financial flexibility.

Bottom Line

HD scores higher overall (54/100 vs 37/100). ACVA offers better value entry with a 57.9% margin of safety. 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.

ACV Auctions Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

ACV Auctions, Inc., operates a digital marketplace that connects buyers and sellers for online wholesale vehicle auctions. The company is headquartered in Buffalo, New York.

The Home Depot Inc

CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA

The Home Depot, Inc., commonly known as Home Depot, is the largest home improvement retailer in the United States, supplying tools, construction products, and services. The company is headquartered in incorporated Cobb County, Georgia, with an Atlanta mailing address.

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