WallStSmart

Ke Holdings Inc (BEKE)vsRafael Holdings, Inc. (RFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ke Holdings Inc generates 9048131% more annual revenue ($88.67B vs $980,000). BEKE leads profitability with a 5.3% profit margin vs 0.0%. BEKE earns a higher WallStSmart Score of 59/100 (C).

BEKE

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 4.5Value: 7.3Quality: 7.5
Piotroski: 4/9Altman Z: 2.02

RFL

Avoid

20

out of 100

Grade: F

Growth: 5.3Profit: 2.5Value: 6.7Quality: 6.5
Piotroski: 3/9Altman Z: 0.44
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BEKEUndervalued (+10.5%)

Margin of Safety

+10.5%

Fair Value

$21.06

Current Price

$16.93

$4.13 discount

UndervaluedFair: $21.06Overvalued
RFLUndervalued (+45.5%)

Margin of Safety

+45.5%

Fair Value

$2.20

Current Price

$2.28

$0.08 discount

UndervaluedFair: $2.20Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BEKE4 strengths · Avg: 9.3/10
PEG RatioValuation
0.4310/10

Growing faster than its price suggests

EPS GrowthGrowth
111.5%10/10

Earnings expanding 111.5% YoY

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

RFL2 strengths · Avg: 9.0/10
Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

BEKE4 concerns · Avg: 3.0/10
P/E RatioValuation
28.4x4/10

Moderate valuation

Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Profit MarginProfitability
5.3%3/10

5.3% margin — thin

Revenue GrowthGrowth
-5.7%2/10

Revenue declined 5.7%

RFL4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$133.12M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : BEKE

The strongest argument for BEKE centers on PEG Ratio, EPS Growth, Debt/Equity. PEG of 0.43 suggests the stock is reasonably priced for its growth.

Bull Case : RFL

The strongest argument for RFL centers on Debt/Equity, Price/Book.

Bear Case : BEKE

The primary concerns for BEKE are P/E Ratio, Return on Equity, Profit Margin.

Bear Case : RFL

The primary concerns for RFL are EPS Growth, Market Cap, Profit Margin.

Key Dynamics to Monitor

RFL carries more volatility with a beta of 0.40 — expect wider price swings.

BEKE is growing revenue faster at -5.7% — sustainability is the question.

Monitor REAL ESTATE SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BEKE scores higher overall (59/100 vs 20/100). RFL offers better value entry with a 45.5% margin of safety. Both earn "Buy" 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.

Ke Holdings Inc

REAL ESTATE · REAL ESTATE SERVICES · China

KE Holdings Inc. is involved in the operation of an integrated online and offline platform for housing transactions and services in the People's Republic of China. The company is headquartered in Beijing, China.

Rafael Holdings, Inc.

REAL ESTATE · REAL ESTATE SERVICES · USA

Rafael Holdings, Inc. owns commercial real estate assets and interests in preclinical and clinical stage pharmaceutical companies. The company is headquartered in Newark, New Jersey.

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