WallStSmart

Harley-Davidson Inc (HOG)vsLowe's Companies Inc (LOW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 1949% more annual revenue ($88.43B vs $4.32B). LOW leads profitability with a 7.5% profit margin vs 5.3%. LOW appears more attractively valued with a PEG of 1.36. LOW earns a higher WallStSmart Score of 50/100 (D+).

HOG

Hold

48

out of 100

Grade: D+

Growth: 2.0Profit: 4.0Value: 6.7Quality: 6.3
Piotroski: 6/9

LOW

Hold

50

out of 100

Grade: D+

Growth: 3.3Profit: 5.5Value: 5.3Quality: 6.0
Piotroski: 3/9Altman Z: 1.88
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HOGUndervalued (+36.3%)

Margin of Safety

+36.3%

Fair Value

$32.33

Current Price

$24.49

$7.84 discount

UndervaluedFair: $32.33Overvalued
LOWSignificantly Overvalued (-50.6%)

Margin of Safety

-50.6%

Fair Value

$139.97

Current Price

$210.74

$70.77 premium

UndervaluedFair: $139.97Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HOG2 strengths · Avg: 9.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

LOW4 strengths · Avg: 8.8/10
Debt/EquityHealth
-4.5910/10

Conservative balance sheet, low leverage

Market CapQuality
$115.86B9/10

Large-cap with strong market position

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.83B8/10

Generating 2.8B in free cash flow

Areas to Watch

HOG4 concerns · Avg: 2.8/10
Return on EquityProfitability
7.1%3/10

ROE of 7.1% — below average capital efficiency

Profit MarginProfitability
5.3%3/10

5.3% margin — thin

Operating MarginProfitability
3.1%3/10

Operating margin of 3.1%

PEG RatioValuation
11.132/10

Expensive relative to growth rate

LOW4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.884/10

Grey zone — moderate risk

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
7.5%3/10

7.5% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : HOG

The strongest argument for HOG centers on Price/Book, P/E Ratio.

Bull Case : LOW

The strongest argument for LOW centers on Debt/Equity, Market Cap, P/E Ratio. Revenue growth of 10.3% demonstrates continued momentum. PEG of 1.36 suggests the stock is reasonably priced for its growth.

Bear Case : HOG

The primary concerns for HOG are Return on Equity, Profit Margin, Operating Margin.

Bear Case : LOW

The primary concerns for LOW are Altman Z-Score, Return on Equity, Profit Margin.

Key Dynamics to Monitor

HOG carries more volatility with a beta of 1.28 — expect wider price swings.

LOW is growing revenue faster at 10.3% — sustainability is the question.

LOW generates stronger free cash flow (2.8B), providing more financial flexibility.

Monitor RECREATIONAL VEHICLES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LOW scores higher overall (50/100 vs 48/100) and 10.3% revenue growth. HOG offers better value entry with a 36.3% margin of safety. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Harley-Davidson Inc

CONSUMER CYCLICAL · RECREATIONAL VEHICLES · USA

Harley-Davidson, Inc. manufactures and sells custom, cruiser and touring motorcycles. The company is headquartered in Milwaukee, Wisconsin.

Lowe's Companies Inc

CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA

Lowe's Companies, Inc. is an American retail company specializing in home improvement. Headquartered in Mooresville, North Carolina, the company operates a chain of retail stores in the United States and Canada.

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