WallStSmart

eBay Inc (EBAY)vsM/I Homes Inc (MHO)

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Smart Verdict

WallStSmart Research — data-driven comparison

eBay Inc generates 185% more annual revenue ($12.01B vs $4.21B). EBAY leads profitability with a 18.6% profit margin vs 6.6%. MHO appears more attractively valued with a PEG of 0.95. EBAY earns a higher WallStSmart Score of 70/100 (B-).

EBAY

Strong Buy

70

out of 100

Grade: B-

Growth: 6.7Profit: 8.5Value: 4.0Quality: 5.5
Piotroski: 4/9Altman Z: 4.49

MHO

Buy

57

out of 100

Grade: C

Growth: 2.7Profit: 5.5Value: 6.0Quality: 8.5
Piotroski: 4/9Altman Z: 4.49
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EBAYSignificantly Overvalued (-28.7%)

Margin of Safety

-28.7%

Fair Value

$95.85

Current Price

$121.96

$26.11 premium

UndervaluedFair: $95.85Overvalued
MHOSignificantly Overvalued (-79.3%)

Margin of Safety

-79.3%

Fair Value

$81.11

Current Price

$134.32

$53.21 premium

UndervaluedFair: $81.11Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EBAY5 strengths · Avg: 9.4/10
Return on EquityProfitability
47.6%10/10

Every $100 of equity generates 48 in profit

EPS GrowthGrowth
55.0%10/10

Earnings expanding 55.0% YoY

Altman Z-ScoreHealth
4.4910/10

Safe zone — low bankruptcy risk

Market CapQuality
$52.52B9/10

Large-cap with strong market position

Operating MarginProfitability
21.6%8/10

Strong operational efficiency at 21.6%

MHO4 strengths · Avg: 9.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
4.4910/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.958/10

Growing faster than its price suggests

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

Areas to Watch

EBAY4 concerns · Avg: 3.8/10
PEG RatioValuation
1.644/10

Expensive relative to growth rate

P/E RatioValuation
25.8x4/10

Moderate valuation

Price/BookValuation
11.6x4/10

Trading at 11.6x book value

Debt/EquityHealth
1.603/10

Elevated debt levels

MHO4 concerns · Avg: 2.3/10
Profit MarginProfitability
6.6%3/10

6.6% margin — thin

Revenue GrowthGrowth
-4.9%2/10

Revenue declined 4.9%

EPS GrowthGrowth
-34.7%2/10

Earnings declined 34.7%

Free Cash FlowQuality
$-22.48M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : EBAY

The strongest argument for EBAY centers on Return on Equity, EPS Growth, Altman Z-Score. Profitability is solid with margins at 18.6% and operating margin at 21.6%. Revenue growth of 14.8% demonstrates continued momentum.

Bull Case : MHO

The strongest argument for MHO centers on Price/Book, Altman Z-Score, PEG Ratio. PEG of 0.95 suggests the stock is reasonably priced for its growth.

Bear Case : EBAY

The primary concerns for EBAY are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 1.60 is elevated, increasing financial risk.

Bear Case : MHO

The primary concerns for MHO are Profit Margin, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

EBAY profiles as a mature stock while MHO is a value play — different risk/reward profiles.

MHO carries more volatility with a beta of 1.60 — expect wider price swings.

EBAY is growing revenue faster at 14.8% — sustainability is the question.

EBAY generates stronger free cash flow (749M), providing more financial flexibility.

Bottom Line

EBAY scores higher overall (70/100 vs 57/100), backed by strong 18.6% margins and 14.8% revenue growth. Both earn "Strong 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.

eBay Inc

CONSUMER CYCLICAL · INTERNET RETAIL · USA

eBay Inc. is an American multinational e-commerce corporation based in San Jose, California, that facilitates consumer-to-consumer and business-to-consumer sales through its website.

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M/I Homes Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

M / I Homes, Inc., is a builder of single-family homes in Ohio, Indiana, Illinois, Michigan, Minnesota, North Carolina, Florida and Texas, United States. The company is headquartered in Columbus, Ohio.

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