WallStSmart

Ke Holdings Inc (BEKE)vsRafael Holdings, Inc. (RFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ke Holdings Inc generates 8132334% more annual revenue ($94.58B vs $1.16M). BEKE leads profitability with a 3.2% profit margin vs 0.0%. BEKE earns a higher WallStSmart Score of 45/100 (D+).

BEKE

Hold

45

out of 100

Grade: D+

Growth: 4.0Profit: 3.5Value: 7.3Quality: 5.3
Piotroski: 2/9Altman Z: 1.64

RFL

Avoid

33

out of 100

Grade: F

Growth: 6.0Profit: 2.5Value: 5.0Quality: 6.5
Piotroski: 3/9Altman Z: 0.44
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BEKESignificantly Overvalued (-630.2%)

Margin of Safety

-630.2%

Fair Value

$2.58

Current Price

$15.72

$13.14 premium

UndervaluedFair: $2.58Overvalued

Intrinsic value data unavailable for RFL.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BEKE2 strengths · Avg: 8.0/10
PEG RatioValuation
0.688/10

Growing faster than its price suggests

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

RFL2 strengths · Avg: 10.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Areas to Watch

BEKE4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.644/10

Distress zone — elevated risk

Return on EquityProfitability
4.3%3/10

ROE of 4.3% — below average capital efficiency

Profit MarginProfitability
3.2%3/10

3.2% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

RFL4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
1.7%4/10

1.7% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$65.53M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : BEKE

The strongest argument for BEKE centers on PEG Ratio, Price/Book. PEG of 0.68 suggests the stock is reasonably priced for its growth.

Bull Case : RFL

The strongest argument for RFL centers on Price/Book, Debt/Equity.

Bear Case : BEKE

The primary concerns for BEKE are Altman Z-Score, Return on Equity, Profit Margin. A P/E of 40.6x leaves little room for execution misses. Thin 3.2% margins leave little buffer for downturns.

Bear Case : RFL

The primary concerns for RFL are Revenue Growth, EPS Growth, Market Cap.

Key Dynamics to Monitor

RFL carries more volatility with a beta of 0.54 — expect wider price swings.

RFL is growing revenue faster at 1.7% — sustainability is the question.

BEKE generates stronger free cash flow (851M), providing more financial flexibility.

Monitor REAL ESTATE SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BEKE scores higher overall (45/100 vs 33/100). 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.

Ke Holdings Inc

REAL ESTATE · REAL ESTATE SERVICES · China

KE Holdings Inc. is involved in the operation of an integrated online and offline platform for housing transactions and services in the People's Republic of China. The company is headquartered in Beijing, China.

Rafael Holdings, Inc.

REAL ESTATE · REAL ESTATE SERVICES · USA

Rafael Holdings, Inc. owns commercial real estate assets and interests in preclinical and clinical stage pharmaceutical companies. The company is headquartered in Newark, New Jersey.

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