WallStSmart

Floor & Decor Holdings Inc (FND)vsHomesToLife Ltd (HTLM)

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Smart Verdict

WallStSmart Research — data-driven comparison

Floor & Decor Holdings Inc generates 1105% more annual revenue ($4.71B vs $390.92M). FND leads profitability with a 4.9% profit margin vs 4.5%. HTLM trades at a lower P/E of 9.7x. FND earns a higher WallStSmart Score of 53/100 (C-).

FND

Buy

53

out of 100

Grade: C-

Growth: 6.0Profit: 5.0Value: 6.0Quality: 6.0
Piotroski: 4/9Altman Z: 2.05

HTLM

Hold

49

out of 100

Grade: D+

Growth: 9.3Profit: 7.0Value: 6.7Quality: 6.5
Piotroski: 2/9Altman Z: 4.52
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FNDUndervalued (+15.7%)

Margin of Safety

+15.7%

Fair Value

$81.78

Current Price

$58.57

$23.21 discount

UndervaluedFair: $81.78Overvalued

Intrinsic value data unavailable for HTLM.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FND2 strengths · Avg: 9.0/10
EPS GrowthGrowth
53.4%10/10

Earnings expanding 53.4% YoY

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

HTLM5 strengths · Avg: 9.2/10
P/E RatioValuation
9.7x10/10

Attractively priced relative to earnings

Return on EquityProfitability
76.5%10/10

Every $100 of equity generates 76 in profit

Altman Z-ScoreHealth
4.5210/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
16.4%8/10

16.4% revenue growth

EPS GrowthGrowth
36.2%8/10

Earnings expanding 36.2% YoY

Areas to Watch

FND4 concerns · Avg: 3.8/10
PEG RatioValuation
2.204/10

Expensive relative to growth rate

P/E RatioValuation
27.5x4/10

Moderate valuation

Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

Profit MarginProfitability
4.9%3/10

4.9% margin — thin

HTLM3 concerns · Avg: 3.0/10
Market CapQuality
$165.92M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.5%3/10

4.5% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : FND

The strongest argument for FND centers on EPS Growth, Price/Book.

Bull Case : HTLM

The strongest argument for HTLM centers on P/E Ratio, Return on Equity, Altman Z-Score. Revenue growth of 16.4% demonstrates continued momentum.

Bear Case : FND

The primary concerns for FND are PEG Ratio, P/E Ratio, Revenue Growth. Thin 4.9% margins leave little buffer for downturns.

Bear Case : HTLM

The primary concerns for HTLM are Market Cap, Profit Margin, Piotroski F-Score. Thin 4.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

FND profiles as a value stock while HTLM is a growth play — different risk/reward profiles.

HTLM is growing revenue faster at 16.4% — sustainability is the question.

FND generates stronger free cash flow (96M), providing more financial flexibility.

Monitor HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FND scores higher overall (53/100 vs 49/100). 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.

Floor & Decor Holdings Inc

CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA

Floor & Decor Holdings, Inc. is a multi-channel specialty retailer of hard surface flooring and related accessories. The company is headquartered in Atlanta, Georgia.

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HomesToLife Ltd

CONSUMER CYCLICAL · SPECIALTY RETAIL · USA

HomesToLife Ltd (HTLM) is a cutting-edge company at the forefront of the property technology sector, dedicated to transforming the real estate industry through innovative digital solutions. The company's comprehensive platform effectively links buyers, sellers, and brokers, leveraging data-driven insights to optimize transaction efficiency and elevate user experience. Positioned strategically within a rapidly evolving housing market, HTLM's emphasis on technology integration signals strong growth potential, making it an attractive opportunity for institutional investors eager to tap into the expanding demand for proptech services. With its visionary approach, HomesToLife is set to redefine real estate transactions and elevate service standards in the industry.

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