WallStSmart

Floor & Decor Holdings Inc (FND)vsPHINIA Inc. (PHIN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Floor & Decor Holdings Inc generates 30% more annual revenue ($4.71B vs $3.62B). FND leads profitability with a 4.9% profit margin vs 3.7%. PHIN trades at a lower P/E of 19.1x. FND earns a higher WallStSmart Score of 53/100 (C-).

FND

Buy

53

out of 100

Grade: C-

Growth: 6.0Profit: 5.0Value: 5.3Quality: 6.0
Piotroski: 4/9Altman Z: 2.05

PHIN

Hold

46

out of 100

Grade: D+

Growth: 4.0Profit: 5.5Value: 5.3Quality: 6.0
Piotroski: 4/9Altman Z: 1.89
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FNDUndervalued (+14.8%)

Margin of Safety

+14.8%

Fair Value

$80.92

Current Price

$47.28

$33.64 discount

UndervaluedFair: $80.92Overvalued

Intrinsic value data unavailable for PHIN.

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
2.0x8/10

Reasonable price relative to book value

PHIN1 strengths · Avg: 10.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Areas to Watch

FND3 concerns · Avg: 3.7/10
PEG RatioValuation
2.204/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

Profit MarginProfitability
4.9%3/10

4.9% margin — thin

PHIN3 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.894/10

Grey zone — moderate risk

Profit MarginProfitability
3.7%3/10

3.7% margin — thin

EPS GrowthGrowth
-7.9%2/10

Earnings declined 7.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : FND

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

Bull Case : PHIN

The strongest argument for PHIN centers on Price/Book.

Bear Case : FND

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

Bear Case : PHIN

The primary concerns for PHIN are Altman Z-Score, Profit Margin, EPS Growth. Thin 3.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

FND carries more volatility with a beta of 1.55 — expect wider price swings.

PHIN is growing revenue faster at 5.6% — 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 46/100). 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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PHINIA Inc.

CONSUMER CYCLICAL · AUTO PARTS · USA

PHINIA Inc. develops and manufactures gasoline and diesel fuel injection components and systems. The company is headquartered in Auburn Hills, Michigan.

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