WallStSmart

TFI International Inc (TFII)vsToppoint Holdings Inc. (TOPP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TFI International Inc generates 48731% more annual revenue ($7.88B vs $16.15M). TFII leads profitability with a 3.9% profit margin vs -38.8%. TFII earns a higher WallStSmart Score of 37/100 (F).

TFII

Hold

37

out of 100

Grade: F

Growth: 3.3Profit: 5.5Value: 5.7Quality: 5.3
Piotroski: 3/9Altman Z: 2.62

TOPP

Hold

36

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 5.0Quality: 8.0
Piotroski: 3/9Altman Z: 4.76
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TFIISignificantly Overvalued (-396.6%)

Margin of Safety

-396.6%

Fair Value

$25.30

Current Price

$106.48

$81.18 premium

UndervaluedFair: $25.30Overvalued

Intrinsic value data unavailable for TOPP.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TFII0 strengths · Avg: 0/10

No standout strengths identified

TOPP4 strengths · Avg: 8.8/10
Altman Z-ScoreHealth
4.7610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
20.3%8/10

Revenue surging 20.3% year-over-year

Areas to Watch

TFII4 concerns · Avg: 3.0/10
P/E RatioValuation
28.2x4/10

Moderate valuation

Profit MarginProfitability
3.9%3/10

3.9% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-7.8%2/10

Revenue declined 7.8%

TOPP4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$13.94M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-106.5%2/10

ROE of -106.5% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : TFII

TFII has a balanced fundamental profile.

Bull Case : TOPP

The strongest argument for TOPP centers on Altman Z-Score, Debt/Equity, Price/Book. Revenue growth of 20.3% demonstrates continued momentum.

Bear Case : TFII

The primary concerns for TFII are P/E Ratio, Profit Margin, Piotroski F-Score. Thin 3.9% margins leave little buffer for downturns.

Bear Case : TOPP

The primary concerns for TOPP are EPS Growth, Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

TFII profiles as a value stock while TOPP is a growth play — different risk/reward profiles.

TOPP is growing revenue faster at 20.3% — sustainability is the question.

TFII generates stronger free cash flow (278M), providing more financial flexibility.

Monitor TRUCKING industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TFII scores higher overall (37/100 vs 36/100). Both earn "Hold" 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.

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.

Toppoint Holdings Inc.

INDUSTRIALS · TRUCKING · USA

Toppoint Holdings Inc. is a diversified technology company at the forefront of telecommunications and information technology, dedicated to providing innovative solutions that enhance connectivity and operational efficiency for a broad array of clients. With a commitment to sustainability and ongoing research and development, Toppoint Holdings is well-positioned to address the evolving demands of consumers and businesses alike. Its strategic partnerships and robust operational foundation further strengthen its competitive advantage, ensuring sustained long-term growth in an increasingly digital and competitive marketplace.

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