WallStSmart

JD.com Inc Adr (JD)vsLowe's Companies Inc (LOW)

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Smart Verdict

WallStSmart Research — data-driven comparison

JD.com Inc Adr generates 1352% more annual revenue ($1.31T vs $90.43B). LOW leads profitability with a 7.3% profit margin vs 1.1%. JD appears more attractively valued with a PEG of 0.52. JD earns a higher WallStSmart Score of 56/100 (C).

JD

Buy

56

out of 100

Grade: C

Growth: 5.3Profit: 4.0Value: 8.7Quality: 6.0
Piotroski: 3/9Altman Z: 2.74

LOW

Hold

50

out of 100

Grade: D+

Growth: 4.0Profit: 5.5Value: 5.3Quality: 6.0
Piotroski: 3/9Altman Z: 1.97
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

JDUndervalued (+80.3%)

Margin of Safety

+80.3%

Fair Value

$143.28

Current Price

$25.68

$117.60 discount

UndervaluedFair: $143.28Overvalued
LOWSignificantly Overvalued (-44.4%)

Margin of Safety

-44.4%

Fair Value

$144.78

Current Price

$209.07

$64.29 premium

UndervaluedFair: $144.78Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JD5 strengths · Avg: 8.8/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$31.82B10/10

Generating 31.8B in free cash flow

PEG RatioValuation
0.528/10

Growing faster than its price suggests

P/E RatioValuation
17.8x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
21.3%8/10

Earnings expanding 21.3% YoY

LOW4 strengths · Avg: 8.8/10
Debt/EquityHealth
-5.6510/10

Conservative balance sheet, low leverage

Market CapQuality
$117.30B9/10

Large-cap with strong market position

P/E RatioValuation
17.7x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$3.12B8/10

Generating 3.1B in free cash flow

Areas to Watch

JD4 concerns · Avg: 3.0/10
Return on EquityProfitability
6.7%3/10

ROE of 6.7% — below average capital efficiency

Profit MarginProfitability
1.1%3/10

1.1% margin — thin

Operating MarginProfitability
1.2%3/10

Operating margin of 1.2%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

LOW4 concerns · Avg: 3.5/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Altman Z-ScoreHealth
1.974/10

Grey zone — moderate risk

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
7.3%3/10

7.3% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : JD

The strongest argument for JD centers on Price/Book, Free Cash Flow, PEG Ratio. PEG of 0.52 suggests the stock is reasonably priced for its growth.

Bull Case : LOW

The strongest argument for LOW centers on Debt/Equity, Market Cap, P/E Ratio. PEG of 1.33 suggests the stock is reasonably priced for its growth.

Bear Case : JD

The primary concerns for JD are Return on Equity, Profit Margin, Operating Margin. Thin 1.1% margins leave little buffer for downturns.

Bear Case : LOW

The primary concerns for LOW are EPS Growth, Altman Z-Score, Return on Equity.

Key Dynamics to Monitor

LOW carries more volatility with a beta of 0.88 — expect wider price swings.

LOW is growing revenue faster at 8.3% — sustainability is the question.

JD generates stronger free cash flow (31.8B), providing more financial flexibility.

Monitor INTERNET RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

JD scores higher overall (56/100 vs 50/100). Both earn "Buy" 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.

JD.com Inc Adr

CONSUMER CYCLICAL · INTERNET RETAIL · China

JD.com, Inc. is an e-commerce company and retail infrastructure service provider in the People's Republic of China. The company is headquartered in Beijing, China.

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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