WallStSmart

Lowe's Companies Inc (LOW)vsNVR Inc (NVR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 770% more annual revenue ($86.29B vs $9.92B). NVR leads profitability with a 12.5% profit margin vs 7.7%. LOW appears more attractively valued with a PEG of 2.48. NVR earns a higher WallStSmart Score of 51/100 (C-).

LOW

Hold

44

out of 100

Grade: D

Growth: 3.3Profit: 5.5Value: 4.0Quality: 7.0
Piotroski: 5/9Altman Z: 2.16

NVR

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 8.0Value: 5.0Quality: 6.0
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-34.2%)

Margin of Safety

-34.2%

Fair Value

$167.88

Current Price

$233.37

$65.49 premium

UndervaluedFair: $167.88Overvalued

Intrinsic value data unavailable for NVR.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LOW2 strengths · Avg: 9.5/10
Debt/EquityHealth
-4.3110/10

Conservative balance sheet, low leverage

Market CapQuality
$130.68B9/10

Large-cap with strong market position

NVR2 strengths · Avg: 9.0/10
Return on EquityProfitability
33.3%10/10

Every $100 of equity generates 33 in profit

P/E RatioValuation
15.0x8/10

Attractively priced relative to earnings

Areas to Watch

LOW4 concerns · Avg: 3.0/10
PEG RatioValuation
2.484/10

Expensive relative to growth rate

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
7.7%3/10

7.7% margin — thin

EPS GrowthGrowth
-11.0%2/10

Earnings declined 11.0%

NVR4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
4.972/10

Expensive relative to growth rate

Revenue GrowthGrowth
-21.4%2/10

Revenue declined 21.4%

EPS GrowthGrowth
-28.5%2/10

Earnings declined 28.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : LOW

The strongest argument for LOW centers on Debt/Equity, Market Cap. Revenue growth of 10.9% demonstrates continued momentum.

Bull Case : NVR

The strongest argument for NVR centers on Return on Equity, P/E Ratio.

Bear Case : LOW

The primary concerns for LOW are PEG Ratio, Return on Equity, Profit Margin.

Bear Case : NVR

The primary concerns for NVR are Piotroski F-Score, PEG Ratio, Revenue Growth.

Key Dynamics to Monitor

LOW profiles as a value stock while NVR is a declining play — different risk/reward profiles.

LOW carries more volatility with a beta of 0.96 — expect wider price swings.

LOW is growing revenue faster at 10.9% — sustainability is the question.

LOW generates stronger free cash flow (964M), providing more financial flexibility.

Bottom Line

NVR scores higher overall (51/100 vs 44/100). 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.

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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NVR Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

NVR, Inc. is a company engaged in home construction. It also operates a mortgage banking and title services business. The company primarily operates on the East Coast of the United States.

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