WallStSmart

The Home Depot Inc (HD)vsPHINIA Inc. (PHIN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The Home Depot Inc generates 4573% more annual revenue ($166.59B vs $3.56B). HD leads profitability with a 8.4% profit margin vs 4.0%. PHIN trades at a lower P/E of 23.9x. PHIN earns a higher WallStSmart Score of 56/100 (C).

HD

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 7.5Value: 4.0Quality: 5.0
Piotroski: 2/9Altman Z: 3.59

PHIN

Buy

56

out of 100

Grade: C

Growth: 6.7Profit: 5.5Value: 5.3Quality: 6.0
Piotroski: 4/9Altman Z: 1.89
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HDSignificantly Overvalued (-57.4%)

Margin of Safety

-57.4%

Fair Value

$212.44

Current Price

$310.78

$98.34 premium

UndervaluedFair: $212.44Overvalued

Intrinsic value data unavailable for PHIN.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HD4 strengths · Avg: 9.5/10
Market CapQuality
$336.21B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
101.0%10/10

Every $100 of equity generates 101 in profit

Altman Z-ScoreHealth
3.5910/10

Safe zone — low bankruptcy risk

Free Cash FlowQuality
$5.19B8/10

Generating 5.2B in free cash flow

PHIN2 strengths · Avg: 9.0/10
EPS GrowthGrowth
52.4%10/10

Earnings expanding 52.4% YoY

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

HD4 concerns · Avg: 3.3/10
PEG RatioValuation
1.864/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.8%4/10

4.8% revenue growth

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Price/BookValuation
22.3x2/10

Trading at 22.3x book value

PHIN2 concerns · Avg: 3.5/10
Altman Z-ScoreHealth
1.894/10

Grey zone — moderate risk

Profit MarginProfitability
4.0%3/10

4.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : HD

The strongest argument for HD centers on Market Cap, Return on Equity, Altman Z-Score.

Bull Case : PHIN

The strongest argument for PHIN centers on EPS Growth, Price/Book. Revenue growth of 10.3% demonstrates continued momentum.

Bear Case : HD

The primary concerns for HD are PEG Ratio, Revenue Growth, Piotroski F-Score. Debt-to-equity of 4.18 is elevated, increasing financial risk.

Bear Case : PHIN

The primary concerns for PHIN are Altman Z-Score, Profit Margin. Thin 4.0% margins leave little buffer for downturns.

Key Dynamics to Monitor

PHIN carries more volatility with a beta of 1.10 — expect wider price swings.

PHIN is growing revenue faster at 10.3% — sustainability is the question.

HD generates stronger free cash flow (5.2B), providing more financial flexibility.

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

Bottom Line

PHIN scores higher overall (56/100 vs 51/100) and 10.3% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

The Home Depot Inc

CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA

The Home Depot, Inc., commonly known as Home Depot, is the largest home improvement retailer in the United States, supplying tools, construction products, and services. The company is headquartered in incorporated Cobb County, Georgia, with an Atlanta mailing address.

PHINIA Inc.

CONSUMER CYCLICAL · AUTO PARTS · USA

PHINIA Inc. develops and manufactures gasoline and diesel fuel injection components and systems. The company is headquartered in Auburn Hills, Michigan.

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