SAFX vs QXO vs IBP vs IMXI vs BLDR

For growth investors, QXO, Inc.

(QXO) is the stronger pick with 119. 3% revenue growth year-over-year, versus -21. 0% for International Money Express, Inc. (IMXI). International Money Express, Inc. (IMXI) offers the better valuation at 14. 7x trailing P/E (10. 5x forward), making it the more compelling value choice. Analysts rate QXO, Inc. (QXO) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, International Money Express, Inc.

(IMXI) is the cheapest at 14. 7x versus Installed Building Products, Inc. at 22. 3x. On forward P/E, International Money Express, Inc. is actually cheaper at 10. 5x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Installed Building Products, Inc. wins at 0. 82x versus International Money Express, Inc. 's 2. 50x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Installed Building Products, Inc.

(IBP) delivered a total return of +80. 6%, compared to -96. 6% for XCF Global, Inc. Class A Common Stock (SAFX). Over 10 years, the gap is even starker: IBP returned +660. 5% versus SAFX's -96. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), International Money Express, Inc.

(IMXI) is the lower-risk stock at 0. 36β versus XCF Global, Inc. Class A Common Stock's 2. 48β — meaning SAFX is approximately 597% more volatile than IMXI relative to the S&P 500. On balance sheet safety, XCF Global, Inc. Class A Common Stock (SAFX) carries a lower debt/equity ratio of 17% versus 148% for Installed Building Products, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), QXO, Inc.

(QXO) is pulling ahead at 119. 3% versus -21. 0% for International Money Express, Inc. (IMXI). On earnings-per-share growth, the picture is similar: Installed Building Products, Inc. grew EPS 6. 7% year-over-year, compared to -22. 6% for XCF Global, Inc. Class A Common Stock. Over a 3-year CAGR, QXO leads at 433. 8% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

XCF Global, Inc.

Class A Common Stock (SAFX) is the more profitable company, earning 604. 1% net margin versus -4. 1% for QXO, Inc. — meaning it keeps 604. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IBP leads at 13. 0% versus -269. 8% for SAFX. At the gross margin level — before operating expenses — IBP leads at 34. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Installed Building Products, Inc. (IBP) is the more undervalued stock at a PEG of 0. 82x versus International Money Express, Inc. 's 2. 50x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, International Money Express, Inc. (IMXI) trades at 10. 5x forward P/E versus 47. 8x for QXO, Inc. — 37. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for IMXI: 70. 2% to $27. 00.

In this comparison, QXO (91.

1% yield), IBP (1. 5% yield) pay a dividend. SAFX, IMXI, BLDR do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Installed Building Products, Inc.

(IBP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (1. 5% yield, +660. 5% 10Y return). XCF Global, Inc. Class A Common Stock (SAFX) carries a higher beta of 2. 48 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (IBP: +660. 5%, SAFX: -96. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (SAFX (Energy) and QXO (Industrials) and IBP (Consumer Cyclical) and IMXI (Technology) and BLDR (Industrials)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: SAFX is a small-cap quality compounder stock; QXO is a small-cap high-growth stock; IBP is a small-cap quality compounder stock; IMXI is a small-cap deep-value stock; BLDR is a small-cap quality compounder stock. QXO, IBP pay a dividend while SAFX, IMXI, BLDR do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.