WallStSmart

The Intergroup Corporation (INTG)vsLowe's Companies Inc (LOW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 123079% more annual revenue ($88.43B vs $71.79M). LOW leads profitability with a 7.5% profit margin vs -0.3%. LOW earns a higher WallStSmart Score of 50/100 (D+).

INTG

Hold

46

out of 100

Grade: D+

Growth: 8.7Profit: 5.0Value: 5.3Quality: 7.5
Piotroski: 6/9Altman Z: -0.02

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

INTGUndervalued (+0.3%)

Margin of Safety

+0.3%

Fair Value

$29.64

Current Price

$37.41

$7.77 discount

UndervaluedFair: $29.64Overvalued
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

INTG4 strengths · Avg: 9.0/10
EPS GrowthGrowth
1238.0%10/10

Earnings expanding 1238.0% YoY

Debt/EquityHealth
-2.3010/10

Conservative balance sheet, low leverage

Operating MarginProfitability
20.9%8/10

Strong operational efficiency at 20.9%

Revenue GrowthGrowth
21.1%8/10

Revenue surging 21.1% year-over-year

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

INTG4 concerns · Avg: 2.3/10
Market CapQuality
$69.88M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Altman Z-ScoreHealth
-0.022/10

Distress zone — elevated risk

Profit MarginProfitability
-0.3%1/10

Currently unprofitable

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 : INTG

The strongest argument for INTG centers on EPS Growth, Debt/Equity, Operating Margin. Revenue growth of 21.1% demonstrates continued momentum.

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 : INTG

The primary concerns for INTG are Market Cap, Return on Equity, Altman Z-Score.

Bear Case : LOW

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

Key Dynamics to Monitor

INTG profiles as a growth stock while LOW is a value play — different risk/reward profiles.

LOW carries more volatility with a beta of 0.90 — expect wider price swings.

INTG is growing revenue faster at 21.1% — sustainability is the question.

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

Bottom Line

LOW scores higher overall (50/100 vs 46/100) and 10.3% revenue growth. 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.

The Intergroup Corporation

CONSUMER CYCLICAL · LODGING · USA

InterGroup Corporation operates a hotel under the name Hilton San Francisco Financial District located in San Francisco, California. The company is headquartered in Los Angeles, California.

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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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