WallStSmart

Lithia Motors Inc (LAD)vsThe TJX Companies Inc (TJX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The TJX Companies Inc generates 60% more annual revenue ($60.37B vs $37.73B). TJX leads profitability with a 9.1% profit margin vs 1.9%. LAD appears more attractively valued with a PEG of 0.64. TJX earns a higher WallStSmart Score of 56/100 (C).

LAD

Buy

55

out of 100

Grade: C

Growth: 4.7Profit: 5.0Value: 9.3Quality: 5.3
Piotroski: 2/9Altman Z: 2.55

TJX

Buy

56

out of 100

Grade: C

Growth: 6.7Profit: 7.5Value: 3.3Quality: 6.3
Piotroski: 5/9Altman Z: 3.30
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LADUndervalued (+53.9%)

Margin of Safety

+53.9%

Fair Value

$694.31

Current Price

$293.99

$400.32 discount

UndervaluedFair: $694.31Overvalued
TJXOvervalued (-6.9%)

Margin of Safety

-6.9%

Fair Value

$147.44

Current Price

$153.36

$5.92 premium

UndervaluedFair: $147.44Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LAD3 strengths · Avg: 9.3/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.648/10

Growing faster than its price suggests

TJX5 strengths · Avg: 9.0/10
Return on EquityProfitability
59.1%10/10

Every $100 of equity generates 59 in profit

Altman Z-ScoreHealth
3.3010/10

Safe zone — low bankruptcy risk

Market CapQuality
$169.59B9/10

Large-cap with strong market position

EPS GrowthGrowth
27.9%8/10

Earnings expanding 27.9% YoY

Free Cash FlowQuality
$2.63B8/10

Generating 2.6B in free cash flow

Areas to Watch

LAD4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

Operating MarginProfitability
3.6%3/10

Operating margin of 3.6%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

TJX3 concerns · Avg: 3.3/10
P/E RatioValuation
31.5x4/10

Premium valuation, high expectations priced in

Price/BookValuation
16.7x4/10

Trading at 16.7x book value

PEG RatioValuation
3.422/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : LAD

The strongest argument for LAD centers on P/E Ratio, Price/Book, PEG Ratio. PEG of 0.64 suggests the stock is reasonably priced for its growth.

Bull Case : TJX

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

Bear Case : LAD

The primary concerns for LAD are Revenue Growth, Profit Margin, Operating Margin. Thin 1.9% margins leave little buffer for downturns.

Bear Case : TJX

The primary concerns for TJX are P/E Ratio, Price/Book, PEG Ratio.

Key Dynamics to Monitor

LAD carries more volatility with a beta of 1.28 — expect wider price swings.

TJX is growing revenue faster at 8.5% — sustainability is the question.

TJX generates stronger free cash flow (2.6B), providing more financial flexibility.

Monitor AUTO & TRUCK DEALERSHIPS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TJX scores higher overall (56/100 vs 55/100). LAD offers better value entry with a 53.9% margin of safety. 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.

The TJX Companies Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

The TJX Companies, Inc. (abbreviated TJX) is an American multinational off-price department store corporation, headquartered in Framingham, Massachusetts.

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