HD vs. PAG: Home Depot vs. Penske Automotive Stock Comparison

November 11, 2026

How do Home Depot (HD) and Penske Automotive (PAG) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Home Depot (HD) and Penske Automotive (PAG) both belong to the Specialty Retail industry, though HD is classified under Home Improvement Retail while PAG falls under Automotive Retail.

Company profile comparison for Home Depot (HD) and Penske Automotive (PAG)
Profile Item	HD	PAG
Name	The Home Depot, Inc.	Penske Automotive Group Inc.
Country/Region	United States	United States
GICS Sector	Consumer Discretionary	Consumer Discretionary
GICS Industry Group	Consumer Discretionary Distribution & Retail	Consumer Discretionary Distribution & Retail
GICS Industry	Specialty Retail	Specialty Retail
GICS Sub-Industry	Home Improvement Retail	Automotive Retail
Market Capitalization	342.68 billion USD	13.94 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	September 22, 1981	October 23, 1996
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

PAG

GSPC

Home Depot (HD) vs. Penske Automotive (PAG), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Home Depot (HD) and Penske Automotive (PAG). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Home Depot (HD) and Penske Automotive (PAG). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Home Depot (HD) and Penske Automotive (PAG)
Metric	HD	PAG
Total Return (1Y)	-2.13%	39.10%
Total Return (3Y, Annualized)	9.84%	16.11%
Total Return (5Y, Annualized)	1.58%	16.74%

Risk Profile

Drawdown History

PAG

GSPC

Home Depot (HD) vs. Penske Automotive (PAG), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Home Depot (HD) and Penske Automotive (PAG). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Home Depot (HD) and Penske Automotive (PAG)
Metric	HD	PAG
Volatility (1Y, Annualized)	28.07%	27.55%
Beta (5Y)	0.92	0.90
Max Drawdown (5Y)	-34.73%	-24.03%
Avg. Volume (3M)	4.59M	450.08K

Risk-Adjusted Performance

Risk-Return Positioning

HD and PAG are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Home Depot (HD) and Penske Automotive (PAG)
Metric	HD	PAG
Sharpe Ratio (1Y)	-0.23	1.26
Sortino Ratio (1Y)	-0.35	2.27

Profitability

ROE (TTM)

Home Depot (HD) at 104.30% clears its industry range for ROE, a sharper capital-efficiency signal than Penske Automotive (PAG) at 15.47%, which is closer to a typical peer reading.

HD

Consumer Discretionary Distribution & Retail industry group

104.30%

HD: 104.30%
Max: 62.17%
Q3: 29.44%
Median: 15.69%
Q1: 6.73%
Min: -12.16%

PAG

Consumer Discretionary Distribution & Retail industry group

15.47%

Max: 62.17%
Q3: 29.44%
Median: 15.69%
PAG: 15.47%
Q1: 6.73%
Min: -12.16%

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their ROE against the Consumer Discretionary Distribution & Retail industry group benchmark.

Net Margin (TTM)

Both Home Depot (HD) at 8.41% and Penske Automotive (PAG) at 2.77% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

HD

Consumer Discretionary Distribution & Retail industry group

8.41%

Max: 16.94%
Q3: 8.69%
HD: 8.41%
Median: 3.55%
Q1: 1.14%
Min: -9.41%

PAG

Consumer Discretionary Distribution & Retail industry group

2.77%

Max: 16.94%
Q3: 8.69%
Median: 3.55%
PAG: 2.77%
Q1: 1.14%
Min: -9.41%

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their net margin against the Consumer Discretionary Distribution & Retail industry group benchmark.

Operating Margin (TTM)

Home Depot (HD) at 12.86% operates in the top operating margin quartile, ahead of Penske Automotive (PAG) at 3.60%, which runs around its industry’s norm.

HD

Consumer Discretionary Distribution & Retail industry group

12.86%

Max: 21.45%
HD: 12.86%
Q3: 10.89%
Median: 5.57%
Q1: 2.28%
Min: -7.12%

PAG

Consumer Discretionary Distribution & Retail industry group

3.60%

Max: 21.45%
Q3: 10.89%
Median: 5.57%
PAG: 3.60%
Q1: 2.28%
Min: -7.12%

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their operating margin against the Consumer Discretionary Distribution & Retail industry group benchmark.

Profitability Metrics

Profitability metrics for Home Depot (HD) and Penske Automotive (PAG)
Metric	HD	PAG
ROE (TTM)	104.30%	15.47%
ROA (TTM)	12.14%	4.25%
Net Margin (TTM)	8.41%	2.77%
Operating Margin (TTM)	12.86%	3.60%
Gross Margin (TTM)	32.80%	16.05%

Growth

Revenue Growth

Home Depot (HD) at 3.24% is around its peer norm for revenue growth, while Penske Automotive (PAG) at -0.18% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Home Depot (HD) at -4.56% and Penske Automotive (PAG) at 2.84% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Home Depot (HD) and Penske Automotive (PAG)
Metric	HD	PAG
Revenue Growth (YoY)	3.24%	-0.18%
Revenue Growth (3Y CAGR)	1.52%	4.57%
EPS Growth (YoY)	-4.56%	2.84%
EPS Growth (3Y CAGR)	-5.18%	-8.67%

Financial Strength

Current Ratio (MRQ)

Home Depot (HD) at 1.08 keeps current ratio within its industry’s typical mid-range, while Penske Automotive (PAG) at 0.98 runs in the tighter-liquidity quartile — a thinner cushion against current liabilities for PAG.

HD

Consumer Discretionary Distribution & Retail industry group

1.08

Max: 2.62
Q3: 1.75
Median: 1.35
HD: 1.08
Q1: 1.00
Min: 0.48

PAG

Consumer Discretionary Distribution & Retail industry group

0.98

Max: 2.62
Q3: 1.75
Median: 1.35
Q1: 1.00
PAG: 0.98
Min: 0.48

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their current ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

Debt / Equity (MRQ)

Penske Automotive (PAG) at 1.53 carries an industry-typical debt-to-equity mix, while Home Depot (HD) at 3.80 uses more debt funding than most peers.

HD

Consumer Discretionary Distribution & Retail industry group

3.80

Max: 3.93
HD: 3.80
Q3: 2.14
Median: 1.25
Q1: 0.73
Min: 0.01

PAG

Consumer Discretionary Distribution & Retail industry group

1.53

Max: 3.93
Q3: 2.14
PAG: 1.53
Median: 1.25
Q1: 0.73
Min: 0.01

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their debt-to-equity ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

Financial Strength Metrics

Financial strength metrics for Home Depot (HD) and Penske Automotive (PAG)
Metric	HD	PAG
Current Ratio (MRQ)	1.08	0.98
Debt / Equity (MRQ)	3.80	1.53
Net Debt / EBITDA	2.48	6.53

Dividends

Dividend Yield (TTM)

Penske Automotive (PAG) at 2.70% delivers top-quartile income for its industry, while Home Depot (HD) at 1.32% pays a more typical yield — both are credible income propositions, PAG the richer one.

HD

Consumer Discretionary Distribution & Retail industry group

1.32%

Max: 5.84%
Q3: 2.50%
HD: 1.32%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

PAG

Consumer Discretionary Distribution & Retail industry group

2.70%

Max: 5.84%
PAG: 2.70%
Q3: 2.50%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their dividend yield against the Consumer Discretionary Distribution & Retail industry group benchmark.

Dividend Payout Ratio (TTM)

Both Home Depot (HD) at 64.80% and Penske Automotive (PAG) at 41.11% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

HD

Consumer Discretionary Distribution & Retail industry group

64.80%

Max: 72.73%
HD: 64.80%
Q3: 32.44%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

PAG

Consumer Discretionary Distribution & Retail industry group

41.11%

Max: 72.73%
PAG: 41.11%
Q3: 32.44%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their payout ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

Dividend Metrics

Dividend metrics for Home Depot (HD) and Penske Automotive (PAG)
Metric	HD	PAG
Dividend Yield (TTM)	1.32%	2.70%
Dividend Payout Ratio (TTM)	64.80%	41.11%

Valuation

P/E Ratio (TTM)

Both Home Depot (HD) at 24.04 and Penske Automotive (PAG) at 14.80 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

HD

Consumer Discretionary Distribution & Retail industry group

24.04

Max: 40.50
Q3: 24.26
HD: 24.04
Median: 19.23
Q1: 12.64
Min: 4.67

PAG

Consumer Discretionary Distribution & Retail industry group

14.80

Max: 40.50
Q3: 24.26
Median: 19.23
PAG: 14.80
Q1: 12.64
Min: 4.67

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their P/E ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

P/S Ratio (TTM)

Penske Automotive (PAG) at 0.43 is priced about in line with its industry on P/S ratio, while Home Depot (HD) at 2.03 sits in the pricier quartile — HD costs more per dollar of sales.

HD

Consumer Discretionary Distribution & Retail industry group

2.03

Max: 4.32
HD: 2.03
Q3: 1.99
Median: 0.70
Q1: 0.26
Min: 0.03

PAG

Consumer Discretionary Distribution & Retail industry group

0.43

Max: 4.32
Q3: 1.99
Median: 0.70
PAG: 0.43
Q1: 0.26
Min: 0.03

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their P/S ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

P/B Ratio (MRQ)

Penske Automotive (PAG) at 2.35 sits near its industry’s typical P/B ratio, while Home Depot (HD) at 20.63 prices above its benchmark range — HD looks rich relative to book.

HD

Consumer Discretionary Distribution & Retail industry group

20.63

HD: 20.63
Max: 10.96
Q3: 5.26
Median: 2.16
Q1: 1.08
Min: -4.45

PAG

Consumer Discretionary Distribution & Retail industry group

2.35

Max: 10.96
Q3: 5.26
PAG: 2.35
Median: 2.16
Q1: 1.08
Min: -4.45

Home Depot (HD) vs. Penske Automotive (PAG): A comparison of their P/B ratio against the Consumer Discretionary Distribution & Retail industry group benchmark.

Valuation Metrics

Valuation metrics for Home Depot (HD) and Penske Automotive (PAG)
Metric	HD	PAG
P/E Ratio (TTM)	24.04	14.80
P/S Ratio (TTM)	2.03	0.43
P/B Ratio (MRQ)	20.63	2.35
Free Cash Flow Yield (TTM)	3.14%	0.69%