WallStSmart

Covenant Logistics Group, Inc. (CVLG)vsTFI International Inc (TFII)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TFI International Inc generates 559% more annual revenue ($8.12B vs $1.23B). TFII leads profitability with a 4.1% profit margin vs 0.3%. TFII trades at a lower P/E of 30.9x. TFII earns a higher WallStSmart Score of 54/100 (C-).

CVLG

Hold

39

out of 100

Grade: F

Growth: 3.3Profit: 4.0Value: 3.0Quality: 5.0
Piotroski: 2/9Altman Z: 1.95

TFII

Buy

54

out of 100

Grade: C-

Growth: 7.3Profit: 5.5Value: 4.7Quality: 5.0
Piotroski: 3/9Altman Z: 2.49
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVLGSignificantly Overvalued (-34.6%)

Margin of Safety

-34.6%

Fair Value

$21.74

Current Price

$33.80

$12.06 premium

UndervaluedFair: $21.74Overvalued

Intrinsic value data unavailable for TFII.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVLG1 strengths · Avg: 8.0/10
Price/BookValuation
2.1x8/10

Reasonable price relative to book value

TFII1 strengths · Avg: 8.0/10
EPS GrowthGrowth
41.0%8/10

Earnings expanding 41.0% YoY

Areas to Watch

CVLG4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.954/10

Grey zone — moderate risk

Market CapQuality
$904.21M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.9%3/10

ROE of 0.9% — below average capital efficiency

Profit MarginProfitability
0.3%3/10

0.3% margin — thin

TFII4 concerns · Avg: 3.3/10
P/E RatioValuation
30.9x4/10

Premium valuation, high expectations priced in

Profit MarginProfitability
4.1%3/10

4.1% margin — thin

Debt/EquityHealth
1.113/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CVLG

The strongest argument for CVLG centers on Price/Book.

Bull Case : TFII

The strongest argument for TFII centers on EPS Growth. Revenue growth of 12.4% demonstrates continued momentum.

Bear Case : CVLG

The primary concerns for CVLG are Altman Z-Score, Market Cap, Return on Equity. A P/E of 712.6x leaves little room for execution misses. Thin 0.3% margins leave little buffer for downturns.

Bear Case : TFII

The primary concerns for TFII are P/E Ratio, Profit Margin, Debt/Equity. Thin 4.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

TFII carries more volatility with a beta of 1.47 — expect wider price swings.

TFII is growing revenue faster at 12.4% — sustainability is the question.

TFII generates stronger free cash flow (180M), providing more financial flexibility.

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

Bottom Line

TFII scores higher overall (54/100 vs 39/100) and 12.4% revenue growth. Both earn "Buy" 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.

Covenant Logistics Group, Inc.

INDUSTRIALS · TRUCKING · USA

Covenant Logistics Group, Inc., provides transportation and logistics services in the United States. The company is headquartered in Chattanooga, Tennessee.

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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.

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