WallStSmart

TFI International Inc (TFII)vsUniversal Logistics Holdings Inc (ULH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TFI International Inc generates 406% more annual revenue ($7.88B vs $1.56B). TFII leads profitability with a 3.9% profit margin vs -6.4%. 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

ULH

Avoid

35

out of 100

Grade: F

Growth: 2.0Profit: 3.0Value: 4.0Quality: 5.5
Piotroski: 1/9Altman Z: 1.88
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 ULH.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TFII0 strengths · Avg: 0/10

No standout strengths identified

ULH1 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

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%

ULH4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.884/10

Grey zone — moderate risk

Market CapQuality
$516.20M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
4.5%3/10

Operating margin of 4.5%

Debt/EquityHealth
1.623/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : TFII

TFII has a balanced fundamental profile.

Bull Case : ULH

The strongest argument for ULH centers on Price/Book.

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 : ULH

The primary concerns for ULH are Altman Z-Score, Market Cap, Operating Margin. Debt-to-equity of 1.62 is elevated, increasing financial risk.

Key Dynamics to Monitor

TFII profiles as a value stock while ULH is a turnaround play — different risk/reward profiles.

TFII carries more volatility with a beta of 1.39 — expect wider price swings.

TFII is growing revenue faster at -7.8% — sustainability is the question.

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

Bottom Line

TFII scores higher overall (37/100 vs 35/100). Both earn "Hold" and "Avoid" 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.

Universal Logistics Holdings Inc

INDUSTRIALS · TRUCKING · USA

Universal Logistics Holdings, Inc. offers transportation and logistics solutions in the United States, Mexico, Canada and Colombia. The company is headquartered in Warren, Michigan.

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