WallStSmart

Floor & Decor Holdings Inc (FND)vsKingsway Financial Services Inc (KFS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Floor & Decor Holdings Inc generates 3304% more annual revenue ($4.68B vs $137.34M). FND leads profitability with a 4.3% profit margin vs -7.8%. KFS appears more attractively valued with a PEG of 0.83. KFS earns a higher WallStSmart Score of 40/100 (F).

FND

Hold

40

out of 100

Grade: D

Growth: 2.7Profit: 4.5Value: 6.0Quality: 5.5
Piotroski: 3/9Altman Z: 2.05

KFS

Hold

40

out of 100

Grade: F

Growth: 6.0Profit: 2.0Value: 6.0Quality: 4.5
Piotroski: 2/9Altman Z: -2.64
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FNDUndervalued (+15.3%)

Margin of Safety

+15.3%

Fair Value

$81.36

Current Price

$47.41

$33.95 discount

UndervaluedFair: $81.36Overvalued

Intrinsic value data unavailable for KFS.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FND1 strengths · Avg: 8.0/10
Price/BookValuation
2.1x8/10

Reasonable price relative to book value

KFS2 strengths · Avg: 8.0/10
PEG RatioValuation
0.838/10

Growing faster than its price suggests

Revenue GrowthGrowth
28.7%8/10

Revenue surging 28.7% year-over-year

Areas to Watch

FND4 concerns · Avg: 3.5/10
PEG RatioValuation
2.204/10

Expensive relative to growth rate

P/E RatioValuation
29.0x4/10

Moderate valuation

Profit MarginProfitability
4.3%3/10

4.3% margin — thin

Operating MarginProfitability
4.5%3/10

Operating margin of 4.5%

KFS4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$341.57M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Price/BookValuation
21.1x2/10

Trading at 21.1x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : FND

The strongest argument for FND centers on Price/Book.

Bull Case : KFS

The strongest argument for KFS centers on PEG Ratio, Revenue Growth. Revenue growth of 28.7% demonstrates continued momentum. PEG of 0.83 suggests the stock is reasonably priced for its growth.

Bear Case : FND

The primary concerns for FND are PEG Ratio, P/E Ratio, Profit Margin. Thin 4.3% margins leave little buffer for downturns.

Bear Case : KFS

The primary concerns for KFS are EPS Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 2.37 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

FND carries more volatility with a beta of 1.62 — expect wider price swings.

KFS is growing revenue faster at 28.7% — sustainability is the question.

FND generates stronger free cash flow (46M), providing more financial flexibility.

Bottom Line

FND scores higher overall (40/100 vs 40/100). Both earn "Hold" 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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Kingsway Financial Services Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Kingsway Financial Services Inc., is involved in the leased and extended warranty real estate business. The company is headquartered in Itasca, Illinois.

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