WallStSmart

FirstService Corp (FSV)vsRafael Holdings, Inc. (RFL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

FirstService Corp generates 478297% more annual revenue ($5.56B vs $1.16M). FSV leads profitability with a 2.9% profit margin vs 0.0%. FSV earns a higher WallStSmart Score of 54/100 (C-).

FSV

Buy

54

out of 100

Grade: C-

Growth: 8.0Profit: 5.0Value: 4.0Quality: 6.5
Piotroski: 4/9Altman Z: 2.16

RFL

Avoid

30

out of 100

Grade: F

Growth: 8.0Profit: 2.5Value: 6.7Quality: 6.5
Piotroski: 3/9Altman Z: 0.44
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FSVOvervalued (-9.3%)

Margin of Safety

-9.3%

Fair Value

$144.15

Current Price

$140.68

$3.47 premium

UndervaluedFair: $144.15Overvalued
RFLUndervalued (+54.5%)

Margin of Safety

+54.5%

Fair Value

$2.64

Current Price

$1.55

$1.09 discount

UndervaluedFair: $2.64Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FSV1 strengths · Avg: 10.0/10
EPS GrowthGrowth
626.0%10/10

Earnings expanding 626.0% YoY

RFL3 strengths · Avg: 10.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
174.0%10/10

Revenue surging 174.0% year-over-year

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Areas to Watch

FSV4 concerns · Avg: 3.0/10
PEG RatioValuation
2.174/10

Expensive relative to growth rate

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Operating MarginProfitability
3.7%3/10

Operating margin of 3.7%

P/E RatioValuation
40.4x2/10

Premium valuation, high expectations priced in

RFL4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$92.58M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : FSV

The strongest argument for FSV centers on EPS Growth.

Bull Case : RFL

The strongest argument for RFL centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 174.0% demonstrates continued momentum.

Bear Case : FSV

The primary concerns for FSV are PEG Ratio, Profit Margin, Operating Margin. A P/E of 40.4x leaves little room for execution misses. Thin 2.9% margins leave little buffer for downturns.

Bear Case : RFL

The primary concerns for RFL are EPS Growth, Market Cap, Profit Margin.

Key Dynamics to Monitor

FSV profiles as a value stock while RFL is a hypergrowth play — different risk/reward profiles.

FSV carries more volatility with a beta of 0.92 — expect wider price swings.

RFL is growing revenue faster at 174.0% — sustainability is the question.

FSV generates stronger free cash flow (60M), providing more financial flexibility.

Bottom Line

FSV scores higher overall (54/100 vs 30/100). RFL offers better value entry with a 54.5% margin of safety. Both earn "Buy" 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.

FirstService Corp

REAL ESTATE · REAL ESTATE SERVICES · USA

FirstService Corporation provides residential property management and other essential property services to residential and commercial clients in the United States and Canada. The company is headquartered in Toronto, Canada.

Rafael Holdings, Inc.

REAL ESTATE · REAL ESTATE SERVICES · USA

Rafael Holdings, Inc. owns commercial real estate assets and interests in preclinical and clinical stage pharmaceutical companies. The company is headquartered in Newark, New Jersey.

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