WallStSmart

Floor & Decor Holdings Inc (FND)vsThredUp Inc (TDUP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Floor & Decor Holdings Inc generates 1356% more annual revenue ($4.68B vs $321.19M). FND leads profitability with a 4.3% profit margin vs -6.7%. FND earns a higher WallStSmart Score of 40/100 (D).

FND

Hold

40

out of 100

Grade: D

Growth: 2.7Profit: 4.5Value: 5.3Quality: 5.5
Piotroski: 3/9Altman Z: 2.05

TDUP

Avoid

32

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 6.0Quality: 4.0
Piotroski: 4/9Altman Z: -3.04
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FNDUndervalued (+14.9%)

Margin of Safety

+14.9%

Fair Value

$81.06

Current Price

$50.78

$30.28 discount

UndervaluedFair: $81.06Overvalued
TDUPUndervalued (+18.2%)

Margin of Safety

+18.2%

Fair Value

$5.50

Current Price

$4.80

$0.70 discount

UndervaluedFair: $5.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FND1 strengths · Avg: 8.0/10
Price/BookValuation
2.2x8/10

Reasonable price relative to book value

TDUP0 strengths · Avg: 0/10

No standout strengths identified

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%

TDUP4 concerns · Avg: 3.3/10
Price/BookValuation
10.2x4/10

Trading at 10.2x book value

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$640.04M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-36.1%2/10

ROE of -36.1% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : FND

The strongest argument for FND centers on Price/Book.

Bull Case : TDUP

Revenue growth of 14.6% demonstrates continued momentum.

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 : TDUP

The primary concerns for TDUP are Price/Book, EPS Growth, Market Cap.

Key Dynamics to Monitor

FND profiles as a value stock while TDUP is a turnaround play — different risk/reward profiles.

TDUP carries more volatility with a beta of 2.06 — expect wider price swings.

TDUP is growing revenue faster at 14.6% — sustainability is the question.

FND generates stronger free cash flow (46M), providing more financial flexibility.

Bottom Line

FND scores higher overall (40/100 vs 32/100). TDUP offers better value entry with a 18.2% margin of safety. Both earn "Hold" 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.

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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ThredUp Inc

CONSUMER CYCLICAL · INTERNET RETAIL · USA

ThredUp Inc. operates online resale platforms that allow consumers to buy and sell second-hand clothing, shoes, and accessories for women and children. The company is headquartered in Oakland, California.

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