WallStSmart

Floor & Decor Holdings Inc (FND)vsPenn National Gaming Inc (PENN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Penn National Gaming Inc generates 51% more annual revenue ($7.07B vs $4.68B). FND leads profitability with a 4.3% profit margin vs -13.5%. PENN appears more attractively valued with a PEG of 1.01. PENN earns a higher WallStSmart Score of 59/100 (C).

FND

Hold

40

out of 100

Grade: D

Growth: 2.7Profit: 4.5Value: 4.7Quality: 5.5
Piotroski: 3/9Altman Z: 2.05

PENN

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 3.5Value: 7.0Quality: 2.5
Piotroski: 3/9Altman Z: 0.31
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FNDUndervalued (+14.9%)

Margin of Safety

+14.9%

Fair Value

$81.06

Current Price

$58.32

$22.74 discount

UndervaluedFair: $81.06Overvalued
PENNUndervalued (+79.5%)

Margin of Safety

+79.5%

Fair Value

$65.22

Current Price

$21.09

$44.13 discount

UndervaluedFair: $65.22Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FND1 strengths · Avg: 8.0/10
Price/BookValuation
2.6x8/10

Reasonable price relative to book value

PENN2 strengths · Avg: 10.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
208.9%10/10

Earnings expanding 208.9% YoY

Areas to Watch

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

Expensive relative to growth rate

P/E RatioValuation
30.4x4/10

Premium valuation, high expectations priced in

Profit MarginProfitability
4.3%3/10

4.3% margin — thin

Operating MarginProfitability
4.5%3/10

Operating margin of 4.5%

PENN4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-40.1%2/10

ROE of -40.1% — below average capital efficiency

Altman Z-ScoreHealth
0.312/10

Distress zone — elevated risk

Profit MarginProfitability
-13.5%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : FND

The strongest argument for FND centers on Price/Book.

Bull Case : PENN

The strongest argument for PENN centers on Price/Book, EPS Growth. PEG of 1.01 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 : PENN

The primary concerns for PENN are Piotroski F-Score, Return on Equity, Altman Z-Score. Debt-to-equity of 4.52 is elevated, increasing financial risk.

Key Dynamics to Monitor

FND profiles as a value stock while PENN is a turnaround play — different risk/reward profiles.

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

PENN is growing revenue faster at 6.4% — sustainability is the question.

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

Bottom Line

PENN scores higher overall (59/100 vs 40/100). 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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Penn National Gaming Inc

CONSUMER CYCLICAL · RESORTS & CASINOS · USA

Penn National Gaming, Inc. is an American operator of casinos and racetracks, based in Wyomissing, Pennsylvania.

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