WallStSmart

Heartland Express Inc (HTLD)vsTFI International Inc (TFII)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TFI International Inc generates 965% more annual revenue ($8.12B vs $762.54M). TFII leads profitability with a 4.1% profit margin vs -5.7%. TFII earns a higher WallStSmart Score of 54/100 (C-).

HTLD

Avoid

34

out of 100

Grade: F

Growth: 2.0Profit: 2.0Value: 6.3Quality: 6.5
Piotroski: 3/9Altman Z: 2.70

TFII

Buy

54

out of 100

Grade: C-

Growth: 7.3Profit: 5.5Value: 4.7Quality: 5.0
Piotroski: 3/9Altman Z: 2.49
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HTLDUndervalued (+30.1%)

Margin of Safety

+30.1%

Fair Value

$16.91

Current Price

$12.99

$3.92 discount

UndervaluedFair: $16.91Overvalued

Intrinsic value data unavailable for TFII.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HTLD2 strengths · Avg: 9.5/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

TFII1 strengths · Avg: 8.0/10
EPS GrowthGrowth
41.0%8/10

Earnings expanding 41.0% YoY

Areas to Watch

HTLD4 concerns · Avg: 3.0/10
PEG RatioValuation
1.684/10

Expensive relative to growth rate

Market CapQuality
$1.11B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-5.8%2/10

ROE of -5.8% — below average capital efficiency

TFII4 concerns · Avg: 2.8/10
Profit MarginProfitability
4.1%3/10

4.1% margin — thin

Debt/EquityHealth
1.203/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

P/E RatioValuation
40.7x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : HTLD

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

Bull Case : TFII

The strongest argument for TFII centers on EPS Growth. Revenue growth of 12.4% demonstrates continued momentum.

Bear Case : HTLD

The primary concerns for HTLD are PEG Ratio, Market Cap, Piotroski F-Score.

Bear Case : TFII

The primary concerns for TFII are Profit Margin, Debt/Equity, Piotroski F-Score. A P/E of 40.7x leaves little room for execution misses. Thin 4.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

HTLD profiles as a turnaround stock while TFII is a value play — different risk/reward profiles.

TFII carries more volatility with a beta of 1.48 — expect wider price swings.

TFII is growing revenue faster at 12.4% — sustainability is the question.

TFII generates stronger free cash flow (94M), providing more financial flexibility.

Bottom Line

TFII scores higher overall (54/100 vs 34/100) and 12.4% revenue growth. HTLD offers better value entry with a 30.1% margin of safety. Both earn "Buy" 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.

Heartland Express Inc

INDUSTRIALS · TRUCKING · USA

Heartland Express, Inc., is a short- to medium-haul truck freight carrier in the United States and Canada. The company is headquartered in North Liberty, Iowa.

TFI International Inc

INDUSTRIALS · TRUCKING · USA

TFI International Inc. provides transportation and logistics services in the United States, Canada, and Mexico. The company is headquartered in Saint-Laurent, Canada.

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