WallStSmart

Kohl's Corporation (KSS)vsLowe's Companies Inc (LOW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 472% more annual revenue ($88.43B vs $15.46B). LOW leads profitability with a 7.5% profit margin vs 1.8%. LOW appears more attractively valued with a PEG of 1.36. KSS earns a higher WallStSmart Score of 58/100 (C).

KSS

Buy

58

out of 100

Grade: C

Growth: 4.7Profit: 4.0Value: 8.0Quality: 5.0
Piotroski: 4/9Altman Z: 1.81

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

KSSUndervalued (+46.6%)

Margin of Safety

+46.6%

Fair Value

$35.17

Current Price

$15.46

$19.71 discount

UndervaluedFair: $35.17Overvalued
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

KSS3 strengths · Avg: 10.0/10
P/E RatioValuation
6.0x10/10

Attractively priced relative to earnings

Price/BookValuation
0.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
144.7%10/10

Earnings expanding 144.7% YoY

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

KSS4 concerns · Avg: 3.5/10
PEG RatioValuation
1.704/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.814/10

Grey zone — moderate risk

Market CapQuality
$1.61B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

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 : KSS

The strongest argument for KSS centers on P/E Ratio, Price/Book, EPS Growth.

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 : KSS

The primary concerns for KSS are PEG Ratio, Altman Z-Score, Market Cap. Debt-to-equity of 1.62 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.

Bear Case : LOW

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

Key Dynamics to Monitor

KSS carries more volatility with a beta of 1.49 — 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 DEPARTMENT STORES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

KSS scores higher overall (58/100 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.

Kohl's Corporation

CONSUMER CYCLICAL · DEPARTMENT STORES · USA

Kohl's Corporation is a retail company in the United States. The company is headquartered in Menomonee Falls, 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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