WallStSmart

Floor & Decor Holdings Inc (FND)vsSunCar Technology Group Inc. (SDA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Floor & Decor Holdings Inc generates 803% more annual revenue ($4.68B vs $517.86M). FND leads profitability with a 4.3% profit margin vs -0.6%. FND earns a higher WallStSmart Score of 40/100 (D).

FND

Hold

40

out of 100

Grade: D

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

SDA

Avoid

33

out of 100

Grade: F

Growth: 7.3Profit: 4.0Value: 5.0Quality: 3.5
Piotroski: 3/9Altman Z: 1.36
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 SDA.

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

SDA1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
27.9%8/10

Revenue surging 27.9% 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%

SDA4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$99.97M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
2.3%3/10

Operating margin of 2.3%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : FND

The strongest argument for FND centers on Price/Book.

Bull Case : SDA

The strongest argument for SDA centers on Revenue Growth. Revenue growth of 27.9% demonstrates continued momentum.

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 : SDA

The primary concerns for SDA are EPS Growth, Market Cap, Operating Margin. Debt-to-equity of 2.58 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

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

SDA is growing revenue faster at 27.9% — sustainability is the question.

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

Bottom Line

FND scores higher overall (40/100 vs 33/100). Both earn "Hold" and "Avoid" 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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SunCar Technology Group Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

SunCar Technology Group Inc., provides digitalized automotive after-sales service and online insurance intermediation services in the People's Republic of China. The company is headquartered in Shanghai, China.

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