WallStSmart

CSX Corporation (CSX)vsPACCAR Inc (PCAR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PACCAR Inc generates 96% more annual revenue ($27.78B vs $14.15B). CSX leads profitability with a 21.5% profit margin vs 8.9%. PCAR appears more attractively valued with a PEG of 1.18. CSX earns a higher WallStSmart Score of 65/100 (C+).

CSX

Buy

65

out of 100

Grade: C+

Growth: 4.7Profit: 8.0Value: 6.7Quality: 3.5
Piotroski: 2/9Altman Z: 1.20

PCAR

Buy

52

out of 100

Grade: C-

Growth: 4.0Profit: 6.0Value: 4.7Quality: 4.5
Piotroski: 1/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CSXUndervalued (+44.6%)

Margin of Safety

+44.6%

Fair Value

$74.65

Current Price

$44.68

$29.97 discount

UndervaluedFair: $74.65Overvalued
PCARSignificantly Overvalued (-24.7%)

Margin of Safety

-24.7%

Fair Value

$103.83

Current Price

$118.14

$14.31 premium

UndervaluedFair: $103.83Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CSX5 strengths · Avg: 9.0/10
Operating MarginProfitability
36.2%10/10

Strong operational efficiency at 36.2%

Market CapQuality
$84.42B9/10

Large-cap with strong market position

Return on EquityProfitability
23.7%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
21.5%9/10

Keeps 22 of every $100 in revenue as profit

EPS GrowthGrowth
26.5%8/10

Earnings expanding 26.5% YoY

PCAR1 strengths · Avg: 9.0/10
Market CapQuality
$62.52B9/10

Large-cap with strong market position

Areas to Watch

CSX4 concerns · Avg: 3.8/10
PEG RatioValuation
2.074/10

Expensive relative to growth rate

P/E RatioValuation
27.9x4/10

Moderate valuation

Revenue GrowthGrowth
1.7%4/10

1.7% revenue growth

Debt/EquityHealth
1.433/10

Elevated debt levels

PCAR3 concerns · Avg: 3.0/10
P/E RatioValuation
25.3x4/10

Moderate valuation

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 : CSX

The strongest argument for CSX centers on Operating Margin, Market Cap, Return on Equity. Profitability is solid with margins at 21.5% and operating margin at 36.2%.

Bull Case : PCAR

The strongest argument for PCAR centers on Market Cap. PEG of 1.18 suggests the stock is reasonably priced for its growth.

Bear Case : CSX

The primary concerns for CSX are PEG Ratio, P/E Ratio, Revenue Growth.

Bear Case : PCAR

The primary concerns for PCAR are P/E Ratio, Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

CSX carries more volatility with a beta of 1.25 — expect wider price swings.

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

PCAR generates stronger free cash flow (778M), providing more financial flexibility.

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

Bottom Line

CSX scores higher overall (65/100 vs 52/100), backed by strong 21.5% margins. Both earn "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.

CSX Corporation

INDUSTRIALS · RAILROADS · USA

CSX Corporation is an American holding company focused on rail transportation and real estate in North America, among other industries. Based in Richmond, Virginia, USA after the merger, in 2003 the CSX Corporation headquarters moved to Jacksonville, Florida.

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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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