WallStSmart

Lithia Motors Inc (LAD)vsPenske Automotive Group Inc (PAG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lithia Motors Inc generates 18% more annual revenue ($37.63B vs $31.81B). PAG leads profitability with a 2.9% profit margin vs 2.2%. LAD appears more attractively valued with a PEG of 0.44. LAD earns a higher WallStSmart Score of 58/100 (C).

LAD

Buy

58

out of 100

Grade: C

Growth: 6.7Profit: 5.0Value: 7.3Quality: 5.3
Piotroski: 2/9Altman Z: 2.51

PAG

Buy

51

out of 100

Grade: C-

Growth: 2.7Profit: 5.5Value: 7.3Quality: 5.3
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LADSignificantly Overvalued (-45.8%)

Margin of Safety

-45.8%

Fair Value

$219.78

Current Price

$243.00

$23.22 premium

UndervaluedFair: $219.78Overvalued
PAGSignificantly Overvalued (-85.1%)

Margin of Safety

-85.1%

Fair Value

$93.57

Current Price

$140.60

$47.03 premium

UndervaluedFair: $93.57Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LAD4 strengths · Avg: 10.0/10
PEG RatioValuation
0.4410/10

Growing faster than its price suggests

P/E RatioValuation
7.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
30.0%10/10

Revenue surging 30.0% year-over-year

PAG2 strengths · Avg: 9.0/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

LAD4 concerns · Avg: 2.8/10
Profit MarginProfitability
2.2%3/10

2.2% margin — thin

Operating MarginProfitability
3.9%3/10

Operating margin of 3.9%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-28.4%2/10

Earnings declined 28.4%

PAG4 concerns · Avg: 3.3/10
PEG RatioValuation
1.604/10

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 : LAD

The strongest argument for LAD centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 30.0% demonstrates continued momentum. PEG of 0.44 suggests the stock is reasonably priced for its growth.

Bull Case : PAG

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

Bear Case : LAD

The primary concerns for LAD are Profit Margin, Operating Margin, Piotroski F-Score. Thin 2.2% 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

LAD profiles as a growth stock while PAG is a value play — different risk/reward profiles.

LAD carries more volatility with a beta of 1.20 — expect wider price swings.

LAD is growing revenue faster at 30.0% — sustainability is the question.

LAD generates stronger free cash flow (66M), providing more financial flexibility.

Bottom Line

LAD scores higher overall (58/100 vs 51/100) and 30.0% 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.

Lithia Motors Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Lithia Motors, Inc. is an automobile retailer in the United States. The company is headquartered in Medford, Oregon.

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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