WallStSmart

Floor & Decor Holdings Inc (FND)vsMurphy USA Inc (MUSA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Murphy USA Inc generates 270% more annual revenue ($17.30B vs $4.68B). FND leads profitability with a 4.3% profit margin vs 3.2%. MUSA appears more attractively valued with a PEG of 1.51. MUSA earns a higher WallStSmart Score of 62/100 (C+).

FND

Hold

40

out of 100

Grade: D

Growth: 2.7Profit: 4.5Value: 6.0Quality: 5.5
Piotroski: 3/9Altman Z: 2.05

MUSA

Buy

62

out of 100

Grade: C+

Growth: 6.0Profit: 6.5Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: 5.90
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FNDUndervalued (+15.3%)

Margin of Safety

+15.3%

Fair Value

$81.36

Current Price

$47.41

$33.95 discount

UndervaluedFair: $81.36Overvalued

Intrinsic value data unavailable for MUSA.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FND1 strengths · Avg: 8.0/10
Price/BookValuation
2.1x8/10

Reasonable price relative to book value

MUSA3 strengths · Avg: 10.0/10
Return on EquityProfitability
88.8%10/10

Every $100 of equity generates 89 in profit

EPS GrowthGrowth
176.8%10/10

Earnings expanding 176.8% YoY

Altman Z-ScoreHealth
5.9010/10

Safe zone — low bankruptcy risk

Areas to Watch

FND4 concerns · Avg: 3.5/10
PEG RatioValuation
2.204/10

Expensive relative to growth rate

P/E RatioValuation
29.0x4/10

Moderate valuation

Profit MarginProfitability
4.3%3/10

4.3% margin — thin

Operating MarginProfitability
4.5%3/10

Operating margin of 4.5%

MUSA4 concerns · Avg: 3.5/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Price/BookValuation
15.3x4/10

Trading at 15.3x book value

Profit MarginProfitability
3.2%3/10

3.2% margin — thin

Operating MarginProfitability
4.8%3/10

Operating margin of 4.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : FND

The strongest argument for FND centers on Price/Book.

Bull Case : MUSA

The strongest argument for MUSA centers on Return on Equity, EPS Growth, Altman Z-Score.

Bear Case : FND

The primary concerns for FND are PEG Ratio, P/E Ratio, Profit Margin. Thin 4.3% margins leave little buffer for downturns.

Bear Case : MUSA

The primary concerns for MUSA are PEG Ratio, Price/Book, Profit Margin. Debt-to-equity of 4.08 is elevated, increasing financial risk. Thin 3.2% margins leave little buffer for downturns.

Key Dynamics to Monitor

FND carries more volatility with a beta of 1.62 — expect wider price swings.

MUSA is growing revenue faster at 7.1% — sustainability is the question.

MUSA generates stronger free cash flow (222M), providing more financial flexibility.

Monitor HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MUSA scores higher overall (62/100 vs 40/100). FND offers better value entry with a 15.3% 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.

Floor & Decor Holdings Inc

CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA

Floor & Decor Holdings, Inc. is a multi-channel specialty retailer of hard surface flooring and related accessories. The company is headquartered in Atlanta, Georgia.

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Murphy USA Inc

CONSUMER CYCLICAL · SPECIALTY RETAIL · USA

Murphy USA Inc. is engaged in the marketing of retail motor fuel products and convenience merchandise. The company is headquartered in El Dorado, Arkansas.

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