WallStSmart

PACCAR Inc (PCAR)vsWillis Lease Finance Corporation (WLFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PACCAR Inc generates 3587% more annual revenue ($27.78B vs $753.47M). WLFC leads profitability with a 16.2% profit margin vs 8.9%. WLFC appears more attractively valued with a PEG of 0.94. WLFC earns a higher WallStSmart Score of 76/100 (B+).

PCAR

Buy

56

out of 100

Grade: C

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

WLFC

Strong Buy

76

out of 100

Grade: B+

Growth: 9.3Profit: 8.0Value: 7.7Quality: 4.0
Piotroski: 1/9Altman Z: 0.81
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PCARSignificantly Overvalued (-37.6%)

Margin of Safety

-37.6%

Fair Value

$84.77

Current Price

$118.06

$33.30 premium

UndervaluedFair: $84.77Overvalued

Intrinsic value data unavailable for WLFC.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

Large-cap with strong market position

WLFC6 strengths · Avg: 8.7/10
P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

PEG RatioValuation
0.948/10

Growing faster than its price suggests

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
24.6%8/10

Revenue surging 24.6% year-over-year

EPS GrowthGrowth
47.5%8/10

Earnings expanding 47.5% YoY

Areas to Watch

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%

WLFC4 concerns · Avg: 2.5/10
Market CapQuality
$1.52B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Free Cash FlowQuality
$-4.02M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.812/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : WLFC

The strongest argument for WLFC centers on P/E Ratio, Operating Margin, PEG Ratio. Profitability is solid with margins at 16.2% and operating margin at 37.3%. Revenue growth of 24.6% demonstrates continued momentum.

Bear Case : PCAR

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

Bear Case : WLFC

The primary concerns for WLFC are Market Cap, Piotroski F-Score, Free Cash Flow. Debt-to-equity of 3.25 is elevated, increasing financial risk.

Key Dynamics to Monitor

PCAR profiles as a value stock while WLFC is a growth play — different risk/reward profiles.

PCAR carries more volatility with a beta of 1.03 — expect wider price swings.

WLFC is growing revenue faster at 24.6% — sustainability is the question.

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

Bottom Line

WLFC scores higher overall (76/100 vs 56/100), backed by strong 16.2% margins and 24.6% revenue growth. Both earn "Strong 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.

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.

Willis Lease Finance Corporation

INDUSTRIALS · RENTAL & LEASING SERVICES · USA

Willis Lease Finance Corporation is a global lessor and manager of commercial aircraft and aircraft engines. The company is headquartered in Coconut Creek, Florida.

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