WallStSmart

Floor & Decor Holdings Inc (FND)vsPenske Automotive Group Inc (PAG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Penske Automotive Group Inc generates 579% more annual revenue ($31.81B vs $4.68B). FND leads profitability with a 4.5% profit margin vs 2.9%. PAG appears more attractively valued with a PEG of 1.81. PAG earns a higher WallStSmart Score of 53/100 (C-).

FND

Hold

42

out of 100

Grade: D

Growth: 3.3Profit: 5.0Value: 4.0Quality: 6.0
Piotroski: 4/9Altman Z: 2.82

PAG

Buy

53

out of 100

Grade: C-

Growth: 2.7Profit: 5.5Value: 5.3Quality: 3.8
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FNDSignificantly Overvalued (-427.9%)

Margin of Safety

-427.9%

Fair Value

$13.06

Current Price

$51.69

$38.63 premium

UndervaluedFair: $13.06Overvalued
PAGSignificantly Overvalued (-80.3%)

Margin of Safety

-80.3%

Fair Value

$96.08

Current Price

$159.47

$63.39 premium

UndervaluedFair: $96.08Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FND1 strengths · Avg: 8.0/10
Price/BookValuation
2.3x8/10

Reasonable price relative to book value

PAG2 strengths · Avg: 9.0/10
P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

FND4 concerns · Avg: 3.8/10
PEG RatioValuation
2.204/10

Expensive relative to growth rate

P/E RatioValuation
28.4x4/10

Moderate valuation

Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

Profit MarginProfitability
4.5%3/10

4.5% margin — thin

PAG4 concerns · Avg: 3.3/10
PEG RatioValuation
1.814/10

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 : FND

The strongest argument for FND centers on Price/Book.

Bull Case : PAG

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

Bear Case : FND

The primary concerns for FND are PEG Ratio, P/E Ratio, Revenue Growth. Thin 4.5% margins leave little buffer for downturns.

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

FND carries more volatility with a beta of 1.82 — expect wider price swings.

FND is growing revenue faster at 2.0% — sustainability is the question.

FND generates stronger free cash flow (45M), providing more financial flexibility.

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

Bottom Line

PAG scores higher overall (53/100 vs 42/100). 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.

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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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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