WallStSmart

LegalZoom.com Inc (LZ)vsPACCAR Inc (PCAR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PACCAR Inc generates 3463% more annual revenue ($27.78B vs $779.71M). PCAR leads profitability with a 8.9% profit margin vs 1.5%. PCAR trades at a lower P/E of 24.0x. PCAR earns a higher WallStSmart Score of 56/100 (C).

LZ

Hold

36

out of 100

Grade: F

Growth: 4.7Profit: 4.0Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: -1.25

PCAR

Buy

56

out of 100

Grade: C

Growth: 4.0Profit: 6.0Value: 4.7Quality: 6.5
Piotroski: 1/9Altman Z: 2.09
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LZUndervalued (+28.9%)

Margin of Safety

+28.9%

Fair Value

$10.00

Current Price

$5.74

$4.26 discount

UndervaluedFair: $10.00Overvalued
PCARSignificantly Overvalued (-37.6%)

Margin of Safety

-37.6%

Fair Value

$84.77

Current Price

$118.06

$33.30 premium

UndervaluedFair: $84.77Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LZ1 strengths · Avg: 9.0/10
Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

PCAR1 strengths · Avg: 9.0/10
Market CapQuality
$59.41B9/10

Large-cap with strong market position

Areas to Watch

LZ4 concerns · Avg: 3.0/10
Market CapQuality
$1.01B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.8%3/10

ROE of 7.8% — below average capital efficiency

Profit MarginProfitability
1.5%3/10

1.5% margin — thin

Operating MarginProfitability
1.9%3/10

Operating margin of 1.9%

PCAR2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Revenue GrowthGrowth
-8.9%2/10

Revenue declined 8.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : LZ

The strongest argument for LZ centers on Debt/Equity. Revenue growth of 12.9% demonstrates continued momentum.

Bull Case : PCAR

The strongest argument for PCAR centers on Market Cap. PEG of 1.12 suggests the stock is reasonably priced for its growth.

Bear Case : LZ

The primary concerns for LZ are Market Cap, Return on Equity, Profit Margin. A P/E of 98.5x leaves little room for execution misses. Thin 1.5% margins leave little buffer for downturns.

Bear Case : PCAR

The primary concerns for PCAR are Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

LZ carries more volatility with a beta of 1.31 — expect wider price swings.

LZ is growing revenue faster at 12.9% — sustainability is the question.

PCAR generates stronger free cash flow (825M), providing more financial flexibility.

Monitor SPECIALTY BUSINESS SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PCAR scores higher overall (56/100 vs 36/100). LZ offers better value entry with a 28.9% margin of safety. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

LegalZoom.com Inc

INDUSTRIALS · SPECIALTY BUSINESS SERVICES · USA

LegalZoom.com, Inc. operates an online platform for legal and compliance solutions in the United States. The company is headquartered in Glendale, California.

PACCAR Inc

INDUSTRIALS · FARM & HEAVY CONSTRUCTION MACHINERY · USA

PACCAR Inc is an American Fortune 500 company and counts among the largest manufacturers of medium- and heavy-duty trucks in the world. PACCAR is engaged in the design, manufacture and customer support of light-, medium- and heavy-duty trucks under the Kenworth, Peterbilt, Leyland Trucks, and DAF nameplates. PACCAR also designs and manufactures powertrains, provides financial services and information technology, and distributes truck parts related to its principal business.

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