NorrisAI AlphaLens · Sample Report

FDXF: the spinoff, four months in

FDXF: FedEx Freight Holding Company, Inc.
Framework(s): Fair Value Stress Test, Earnings Quality Analyzer, Macro Sensitivity Analysis, Competitor Moat Comparison, Management Quality Scorecard
Data pulled: September 29, 2026
Financials cover: fiscal year ended May 31, 2026 (Form 10-K) for the balance sheet and cash flow figures; a separate calendar-year recast (twelve months ended December 31, 2025 and 2024) from the August 6, 2026 8-K for the income statement trend discussed below. These are two different fiscal windows; this report labels every figure with its period and never blends them.
Data used: live market price, SEC XBRL 10-K facts, the verbatim debt footnote, the verbatim recast income statement exhibit, and live peer financials for Old Dominion, Saia, and XPO, pulled fresh from NorrisAI's live proxy on the data-pulled date above, not training-cutoff memory.
Snapshot, not a live price target.

Method: How AlphaLens works · All modes: 15 frameworks · Same sequence by hand: How to analyze a stock · Background: why general AI gets FDXF wrong

$112.06
Price, Sept 29, 2026
$200.00
High since listing
$4.48B
Total debt, FY26 10-K
-$212M
FY26 free cash flow
FDXF began regular-way trading around June 1, 2026, so its entire trading history is about 18 weeks. The recorded high may include pre-regular-way when-issued prints. Price moves continuously; figures above are live as of the data-pulled date.

FedEx spun off its less-than-truckload freight business as an independent, NYSE-listed company in mid-2026. The new company, FedEx Freight Holding Company, started life carrying $4.48 billion in debt taken on to fund a cash distribution back to its former parent. Since listing, the stock has fallen from a recorded high of $200.00 to $112.06, a decline of about 44%. Five frameworks below on what the actual filings say about the debt, the earnings trend, and how FDXF compares to its stated less-than-truckload peers, not a recap of the spinoff story itself. For the mechanics of the spinoff and why a frozen AI model gets this ticker wrong, see the companion piece on why general AI breaks on FDXF.

FRAMEWORK 03 OF 15

Fair Value Stress Test

DCF and scenario values built only from what FedEx Freight has actually disclosed · data pulled September 29, 2026

At $112.06 a share and roughly 149.5 million diluted shares (the weighted-average share count stated in the filed recast exhibit), FDXF's implied market capitalization is approximately $16.8 billion.

Two filed EPS figures give two very different multiples

This is worth flagging directly. FedEx Freight's fiscal-year 10-K, for the year ended May 31, 2026, reports diluted EPS of $4.38, putting the stock at roughly 25.6 times that figure. But the company's own August 2026 8-K also filed a separate calendar-year recast, covering the twelve months ended December 31, 2025, showing diluted EPS of $7.08, a materially different number covering a different twelve-month window. Using that figure instead implies a multiple closer to 15.8 times. Neither figure is wrong. They cover different periods, and which one a given analysis leans on changes the apparent valuation substantially. This report keeps both labeled with their exact period rather than picking one.

The trailing free cash flow base is negative

For the fiscal year ended May 31, 2026, operating cash flow was $167 million against $379 million of capital expenditures, for free cash flow of negative $212 million. A standard trailing-FCF valuation does not work off this base; any fair value case here has to be built on a forward view of the business, not the trailing twelve months.

Scenario values, dated September 29, 2026

These are modeled scenarios, not price targets and not a forecast of what the stock will do.

ScenarioKey assumptionBasisScenario value
BullFreight volumes stabilize, the calendar-year 2025 revenue and margin decline (detailed below) does not repeat, and free cash flow turns positive as post-spin capex normalizesModeled off the CY2024 income level before the disclosed decline~$150–$180/share
BaseRevenue and operating income track closer to the CY2025 recast level than CY2024, debt service is manageable but free cash flow stays thinModeled off filed FY2026 and CY2025 figures~$95–$130/share
BearFreight demand stays soft, the leverage ratio approaches the covenant's 3.50x step-down threshold, and free cash flow stays negative through another fiscal yearModeled off the covenant threshold and the negative FY2026 FCF print~$55–$80/share

What the debt actually looks like, as filed

$3.7 billion of senior unsecured notes (fixed rates from 4.30% to 5.25%, maturing 2029 through 2036) plus a $600 million term loan at 4.91% maturing 2029, for a weighted-average rate of 4.79% on $4.3 billion of long-term debt exclusive of finance leases. No principal comes due in fiscal 2027 or 2028. $1.6 billion is due in fiscal 2029, $1.0 billion in fiscal 2031, and $1.7 billion thereafter. The filing states the fair value of that debt was $4.2 billion against a $4.3 billion carrying value as of May 31, 2026. A $1.2 billion revolving credit facility was undrawn as of the filing date. The credit facilities carry a total leverage ratio covenant of no more than 3.75x through the first seven months after the spinoff, stepping down to 3.50x afterward.

Most fragile assumptions, ranked

1. Which EPS figure anchors the multiple. As shown above, the fiscal-year and calendar-year filed figures imply meaningfully different multiples. Any valuation on FDXF has to state explicitly which period it is using.

2. Free cash flow has to turn positive. A negative $212 million trailing free cash flow figure means the bull case depends on capex normalizing or revenue recovering, neither of which is guaranteed by anything in this filing.

3. The covenant step-down is a real, dated mechanical event. The leverage ratio ceiling tightens from 3.75x to 3.50x seven months after the spinoff. If earnings continue declining the way the CY2025 recast shows, covenant headroom compresses on a known schedule, not a hypothetical one.

Key Watchpoints

  • Watch FDXF's first full quarterly report as a standalone filer for whether free cash flow turns positive, given the negative $212 million figure for the year ended May 31, 2026.
  • Watch the leverage ratio against the covenant's step-down from 3.75x to 3.50x, seven months after the spinoff closed.
  • Watch whether the next annual or quarterly filing clarifies which EPS convention, fiscal year or calendar year, becomes the company's standard going forward.
  • Watch for the stock's behavior around the two-year window FedEx has to dispose of its retained stake, since that stake's size is not established in this payload but was reported at spinoff and represents a known, dated supply consideration.

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FRAMEWORK 04 OF 15

Earnings Quality Analyzer

Signal vs noise in the filed numbers · data pulled September 29, 2026

The headline trend, as filed

The August 2026 8-K's recast income statement shows calendar-year revenue of $8,778 million in 2025 against $9,092 million in 2024, a decline of about 3.5%. Operating income fell further, from $1,532 million in 2024 to $1,022 million in 2025, down about 33%. Net income fell from $1,440 million to $1,059 million, down about 26%. Diluted EPS fell from $9.63 to $7.08 on an unchanged 149,505,248 diluted share count across both years.

A genuinely labeled one-time item

The filing includes a line item called "Separation and other" in operating expenses: $0 in 2024, $206 million in 2025, concentrated almost entirely in the third and fourth quarters of 2025 ($30 million, then $176 million). This is the filer's own label, and unlike a routine non-GAAP adjustment, it reads as a genuine one-time cost tied to the separation process itself. Backing that $206 million out of 2025 operating income gives $1,228 million, still down about 20% from 2024's $1,532 million. The decline is real even after removing the labeled one-time item, not explained away by it.

Cash generation

For the fiscal year ended May 31, 2026, operating cash flow was $167 million against $379 million of capital expenditures. This is not a case of earnings outrunning cash in the usual accrual-quality sense; it's a business spending more on capital equipment than it generated from operations in this period, a fact this report treats as a business characteristic to watch rather than an accrual red flag, since LTL freight is a capital-intensive model.

What is not in this filing

The cash and cash equivalents balance is not available from this data source. Segment-level revenue breakdown, if any exists below the single reported LTL business, is not in this payload. Recurring versus one-time classification beyond the "Separation and other" line the filer itself labeled is not stated.

Key Watchpoints

  • Watch whether "Separation and other" costs continue into fiscal 2027 filings or drop to zero as the filer's own labeling implies they should, now that the spinoff has closed.
  • Watch whether operating income, ex the separation charge, stabilizes near the $1,228 million 2025 ex-item level or continues declining toward the reported $1,022 million level.
  • Watch the first standalone 10-Q for a cash and equivalents figure and a clean apples-to-apples comparison against the recast quarterly figures already on file.
  • Watch whether operating cash flow closes the gap with capital expenditures in the next fiscal year, given the negative $212 million free cash flow print for fiscal 2026.
FRAMEWORK 13 OF 15

Macro Sensitivity Analysis

How rates, inflation, the dollar, and the freight cycle affect FDXF · data pulled September 29, 2026
FactorSensitivityEvidence in this payload
Interest ratesMedium$3.7 billion of the debt is fixed-rate (4.30% to 5.25%), largely insulating interest expense from rate moves, but the $600 million term loan and the undrawn $1.2 billion revolver are both benchmark-rate-based per the filed terms, so a real variable-rate slice exists alongside the fixed-rate majority.
InflationNot addressed in this payloadNo fuel surcharge, wage inflation, or price realization discussion is in the retrieved filing text.
Dollar / FXNot addressed in this payloadNo international revenue or currency exposure is disclosed in the retrieved recast income statement or debt footnote.
Industrial demand / freight cycleHighThe filing's own recast numbers already show it: revenue down about 3.5% and operating income down about 33% from calendar 2024 to calendar 2025, before any forward-looking macro assumption is even applied.
Sector rotationNot addressed in this payloadEquity factor or sector-rotation dynamics are not something a company filing discloses; no evidence either way is in this payload.

The clearest macro signal here does not require a forecast. It is already sitting in the company's own recast financials: an LTL freight carrier whose revenue and operating income both declined year over year before the spinoff even closed, which is consistent with a softening industrial shipment environment rather than anything specific to the separation itself.

Key Watchpoints

  • Watch whether the 2025 revenue and operating income decline (down 3.5% and 33% respectively versus 2024) continues, stabilizes, or reverses in the first full standalone fiscal year.
  • Watch the balance between the fixed-rate $3.7 billion note stack and any future draws on the variable-rate term loan or revolver if a rate environment shift changes the cost of that variable slice.
  • Watch for the first quarterly filing to disclose fuel surcharge or price realization detail, which is not in this payload but would sharpen the inflation-sensitivity read.

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FRAMEWORK 11 OF 15

Competitor Moat Comparison

FDXF against its stated less-than-truckload peer set · data pulled September 29, 2026

FDXF's peer set is the less-than-truckload segment of the freight industry: Old Dominion Freight Line (ODFL), Saia (SAIA), and XPO's LTL business. Every figure in the table below was pulled live from each company's own SEC filings on the same date as FDXF's figures. The periods are not identical, FDXF's revenue and net income below cover its full fiscal year ended May 31, 2026, while the three peers report a single quarter (ended June 30, 2026); this report keeps that period difference labeled rather than treating the dollar figures as directly comparable. Margin percentages, which are ratios within each company's own reporting period, are the fairest like-for-like comparison here.

CompanyPeriodRevenueNet marginTotal debtDebt / total assets
FDXFFY, ended 5/31/26$8.79B7.5%$4.48B65.1%
Old Dominion (ODFL)Q2, ended 6/30/26$1.55B22.6%$0.02B0.4%
Saia (SAIA)Q2, ended 6/30/26$0.96B9.9%$0.10B2.7%
XPO (XPO)Q2, ended 6/30/26$2.36B6.9%$3.29B39.5%

What the numbers actually show

On net margin and balance-sheet leverage, the two figures this framework can honestly compare across different-period filings, FDXF sits at the weak end of its own stated peer set. Old Dominion is nearly debt-free and posts a net margin roughly three times FDXF's. Saia and XPO sit in between. FDXF's 65.1% debt-to-assets ratio is the highest of the four by a wide margin, a direct, disclosed consequence of the $4.1 billion cash distribution it funded with new borrowing at spinoff. This is a structural starting-point difference, not a claim about which business is executing better operationally; a newly separated company with fresh acquisition debt and a legacy, low-leverage competitor are not starting from the same balance sheet.

Competitive position assessment

DimensionRatingEvidence
Cost advantage / scaleWeak, evidencedFDXF's 7.5% net margin against Old Dominion's 22.6% and Saia's 9.9%, on the revenue and income figures pulled above.
Balance sheet flexibilityWeak, evidenced65.1% debt-to-assets against Old Dominion's 0.4% and Saia's 2.7%, leaving FDXF the least room to absorb a downturn without covenant pressure.
Pricing powerNot in this payloadNo customer contract terms, pricing data, or rate-per-shipment figures are in the retrieved filing text for FDXF or its peers.
Switching costs / customer stickinessNot in this payloadNo customer concentration or contract-length disclosure is in this payload.
Barriers to entryNot in this payloadIndustry-wide terminal network and fleet capital requirements are a structural feature of LTL freight generally, but no specific figures for FDXF are in this payload.
Overall competitive position

On the two dimensions this payload actually supports, FDXF starts its life as a standalone company at a real cost and leverage disadvantage to its two smaller, less indebted LTL peers, and roughly comparable to XPO's leverage profile. Whether that gap narrows depends on execution this filing cannot yet show, since FDXF has no standalone track record before this fiscal year.

Key Watchpoints

  • Watch FDXF's net margin in its first full standalone fiscal year against the 7.5% figure above, and against Old Dominion's and Saia's own next filings.
  • Watch the debt-to-assets ratio as FDXF pays down or refinances the maturity wall detailed in the Fair Value Stress Test section above.
  • Watch for FDXF's first 10-K Item 1 competition disclosure, which is not yet in this payload and would let a pricing-power and customer-concentration comparison be added with real figures instead of being marked not available.
FRAMEWORK 12 OF 15

Management Quality Scorecard

Track record, capital allocation, and alignment · data pulled September 29, 2026

FDXF has no track record as an independent company predating this fiscal year, and the data available to grade it reflects that directly.

CategoryGradeBasis
Guidance accuracyIncompleteNo prior standalone guidance exists to check against actual results.
Compensation alignmentIncompleteNo DEF 14A proxy statement is on file yet for this issuer, so pay-versus-performance disclosure is not available.
Insider ownership alignmentIncompleteNo SC 13D or SC 13G filings were found against this issuer in the live ownership feed as of the data-pulled date.
Capital allocation, debt structuringDocumented, not gradedManagement arranged a $3.7 billion fixed-rate note stack laddered across four maturities (2029, 2031, 2033, 2036) plus a smaller variable-rate term loan, with no principal due in the first two fiscal years. That is a real, disclosed structural choice; this report describes it rather than assigning it a letter grade, since there is no track record yet to judge whether it was the right call.

The one filed fact that speaks to execution quality so far is the "Separation and other" cost line covered in the Earnings Quality section above: $206 million in calendar 2025, concentrated in the back half of the year as the spinoff neared completion. Whether that figure represents disciplined, well-scoped separation costs or overruns is not something this payload can determine without a stated budget or plan to compare it against.

Key Watchpoints

  • Watch for FDXF's first DEF 14A proxy statement, which would allow the compensation and pay-versus-performance dimensions to move from Incomplete to an actual grade.
  • Watch SEC filings for the first SC 13D or SC 13G against this issuer, which is not present as of the data-pulled date but would be the first outside signal on ownership intent.
  • Watch whether "Separation and other" costs taper to zero in fiscal 2027 filings, which would be the first real evidence on whether that cost was well-managed.

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DISCLAIMER: NorrisAI AlphaLens is an AI-powered research tool only. NorrisAI is NOT a registered investment adviser, broker-dealer, or fiduciary under federal or state securities laws. Nothing on this page constitutes investment advice, a recommendation to buy or sell any security, or a solicitation of any investment decision. All analysis is AI-generated and may contain errors or inaccuracies. Financial figures are based on FDXF's own SEC filings and live peer data as pulled on September 29, 2026; scenario values are illustrative modeled estimates, not price targets or forecasts. Past performance does not guarantee future results. You are solely responsible for your own investment decisions. Always consult a licensed financial professional before investing.
How this run was generated
Analysis run: September 29, 2026
Frameworks used: Fair Value Stress Test, Earnings Quality Analyzer, Macro Sensitivity Analysis, Competitor Moat Comparison, Management Quality Scorecard
Data as of: September 29, 2026 (FY2026 10-K ended 5/31/26; CY2025/CY2024 recast from the 8/6/26 8-K; live peer data same date)
Last verified: September 29, 2026
A NorrisAI AlphaLens editorial analysis. Figures were current as of the dates above and change continuously.