WallStSmart

Boyd Group Services Inc. (BGSI)vsPenske Automotive Group Inc (PAG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Penske Automotive Group Inc generates 912% more annual revenue ($31.81B vs $3.14B). PAG leads profitability with a 2.9% profit margin vs 0.6%. PAG trades at a lower P/E of 10.3x. PAG earns a higher WallStSmart Score of 51/100 (C-).

BGSI

Hold

49

out of 100

Grade: D+

Growth: 7.3Profit: 4.5Value: 3.0Quality: 6.5
Piotroski: 2/9Altman Z: 5.55

PAG

Buy

51

out of 100

Grade: C-

Growth: 2.7Profit: 5.5Value: 7.3Quality: 5.3
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BGSISignificantly Overvalued (-373.9%)

Margin of Safety

-373.9%

Fair Value

$38.38

Current Price

$137.59

$99.21 premium

UndervaluedFair: $38.38Overvalued
PAGSignificantly Overvalued (-80.3%)

Margin of Safety

-80.3%

Fair Value

$96.08

Current Price

$148.11

$52.03 premium

UndervaluedFair: $96.08Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BGSI3 strengths · Avg: 9.3/10
EPS GrowthGrowth
71.4%10/10

Earnings expanding 71.4% YoY

Altman Z-ScoreHealth
5.5510/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

PAG2 strengths · Avg: 9.0/10
P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

BGSI4 concerns · Avg: 3.0/10
Return on EquityProfitability
1.4%3/10

ROE of 1.4% — below average capital efficiency

Profit MarginProfitability
0.6%3/10

0.6% margin — thin

Debt/EquityHealth
1.593/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PAG4 concerns · Avg: 3.3/10
PEG RatioValuation
1.624/10

Expensive relative to growth rate

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Operating MarginProfitability
3.4%3/10

Operating margin of 3.4%

Debt/EquityHealth
1.563/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BGSI

The strongest argument for BGSI centers on EPS Growth, Altman Z-Score, Price/Book.

Bull Case : PAG

The strongest argument for PAG centers on P/E Ratio, Price/Book.

Bear Case : BGSI

The primary concerns for BGSI are Return on Equity, Profit Margin, Debt/Equity. A P/E of 170.2x leaves little room for execution misses. Debt-to-equity of 1.59 is elevated, increasing financial risk.

Bear Case : PAG

The primary concerns for PAG are PEG Ratio, Profit Margin, Operating Margin. Debt-to-equity of 1.56 is elevated, increasing financial risk. Thin 2.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

PAG carries more volatility with a beta of 0.86 — expect wider price swings.

BGSI is growing revenue faster at 5.5% — sustainability is the question.

BGSI generates stronger free cash flow (62M), providing more financial flexibility.

Monitor AUTO & TRUCK DEALERSHIPS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PAG scores higher overall (51/100 vs 49/100). 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.

Boyd Group Services Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Boyd Group Services Inc., operates non-franchised collision repair centers in North America. The company is headquartered in Winnipeg, Canada.

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Penske Automotive Group Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Penske Automotive Group, Inc., a diversified transportation services company, operates commercial and automotive truck dealerships. The company is headquartered in Bloomfield Hills, Michigan.

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