WallStSmart

FirstService Corp (FSV)vsRafael Holdings, Inc. (RFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

FirstService Corp generates 472600% more annual revenue ($5.50B vs $1.16M). FSV leads profitability with a 2.6% profit margin vs 0.0%. FSV earns a higher WallStSmart Score of 49/100 (D+).

FSV

Hold

49

out of 100

Grade: D+

Growth: 6.7Profit: 5.5Value: 7.3Quality: 5.8
Piotroski: 2/9Altman Z: 2.23

RFL

Avoid

33

out of 100

Grade: F

Growth: 6.0Profit: 2.5Value: 5.0Quality: 6.5
Piotroski: 3/9Altman Z: 0.44
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FSVSignificantly Overvalued (-31.2%)

Margin of Safety

-31.2%

Fair Value

$120.08

Current Price

$137.76

$17.68 premium

UndervaluedFair: $120.08Overvalued

Intrinsic value data unavailable for RFL.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FSV0 strengths · Avg: 0/10

No standout strengths identified

RFL2 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Areas to Watch

FSV4 concerns · Avg: 3.5/10
PEG RatioValuation
2.174/10

Expensive relative to growth rate

Revenue GrowthGrowth
1.3%4/10

1.3% revenue growth

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

RFL4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
1.7%4/10

1.7% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$65.53M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : FSV

FSV has a balanced fundamental profile.

Bull Case : RFL

The strongest argument for RFL centers on Price/Book, Debt/Equity.

Bear Case : FSV

The primary concerns for FSV are PEG Ratio, Revenue Growth, Profit Margin. A P/E of 43.2x leaves little room for execution misses. Thin 2.6% margins leave little buffer for downturns.

Bear Case : RFL

The primary concerns for RFL are Revenue Growth, EPS Growth, Market Cap.

Key Dynamics to Monitor

FSV carries more volatility with a beta of 0.91 — expect wider price swings.

RFL is growing revenue faster at 1.7% — sustainability is the question.

FSV generates stronger free cash flow (89M), providing more financial flexibility.

Monitor REAL ESTATE SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FSV scores higher overall (49/100 vs 33/100). 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.

FirstService Corp

REAL ESTATE · REAL ESTATE SERVICES · USA

FirstService Corporation provides residential property management and other essential property services to residential and commercial clients in the United States and Canada. The company is headquartered in Toronto, Canada.

Rafael Holdings, Inc.

REAL ESTATE · REAL ESTATE SERVICES · USA

Rafael Holdings, Inc. owns commercial real estate assets and interests in preclinical and clinical stage pharmaceutical companies. The company is headquartered in Newark, New Jersey.

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