WallStSmart

Covenant Logistics Group, Inc. (CVLG)vsPACCAR Inc (PCAR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PACCAR Inc generates 2286% more annual revenue ($27.78B vs $1.16B). PCAR leads profitability with a 8.9% profit margin vs 0.6%. PCAR trades at a lower P/E of 25.3x. PCAR earns a higher WallStSmart Score of 52/100 (C-).

CVLG

Hold

41

out of 100

Grade: D

Growth: 3.3Profit: 3.5Value: 5.0Quality: 4.8
Piotroski: 2/9

PCAR

Buy

52

out of 100

Grade: C-

Growth: 4.0Profit: 6.0Value: 4.7Quality: 4.5
Piotroski: 1/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVLGUndervalued (+27.9%)

Margin of Safety

+27.9%

Fair Value

$40.60

Current Price

$34.92

$5.68 discount

UndervaluedFair: $40.60Overvalued
PCARSignificantly Overvalued (-24.7%)

Margin of Safety

-24.7%

Fair Value

$103.83

Current Price

$118.14

$14.31 premium

UndervaluedFair: $103.83Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVLG1 strengths · Avg: 8.0/10
Price/BookValuation
2.2x8/10

Reasonable price relative to book value

PCAR1 strengths · Avg: 9.0/10
Market CapQuality
$62.52B9/10

Large-cap with strong market position

Areas to Watch

CVLG4 concerns · Avg: 3.0/10
Market CapQuality
$777.86M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Profit MarginProfitability
0.6%3/10

0.6% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PCAR3 concerns · Avg: 3.0/10
P/E RatioValuation
25.3x4/10

Moderate valuation

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Revenue GrowthGrowth
-8.9%2/10

Revenue declined 8.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : CVLG

The strongest argument for CVLG centers on Price/Book.

Bull Case : PCAR

The strongest argument for PCAR centers on Market Cap. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bear Case : CVLG

The primary concerns for CVLG are Market Cap, Return on Equity, Profit Margin. A P/E of 193.8x leaves little room for execution misses. Thin 0.6% margins leave little buffer for downturns.

Bear Case : PCAR

The primary concerns for PCAR are P/E Ratio, Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

CVLG carries more volatility with a beta of 1.16 — expect wider price swings.

CVLG is growing revenue faster at 6.5% — sustainability is the question.

PCAR generates stronger free cash flow (778M), providing more financial flexibility.

Monitor TRUCKING industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PCAR scores higher overall (52/100 vs 41/100). CVLG offers better value entry with a 27.9% 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.

Covenant Logistics Group, Inc.

INDUSTRIALS · TRUCKING · USA

Covenant Logistics Group, Inc., provides transportation and logistics services in the United States. The company is headquartered in Chattanooga, Tennessee.

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PACCAR Inc

INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA

PACCAR Inc is an American Fortune 500 company and counts among the largest manufacturers of medium- and heavy-duty trucks in the world. PACCAR is engaged in the design, manufacture and customer support of light-, medium- and heavy-duty trucks under the Kenworth, Peterbilt, Leyland Trucks, and DAF nameplates. PACCAR also designs and manufactures powertrains, provides financial services and information technology, and distributes truck parts related to its principal business.

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