WallStSmart

Lowe's Companies Inc (LOW)vsOneSpaWorld Holdings Ltd (OSW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 8842% more annual revenue ($88.43B vs $989.00M). OSW leads profitability with a 7.8% profit margin vs 7.5%. LOW trades at a lower P/E of 17.5x. OSW earns a higher WallStSmart Score of 52/100 (C-).

LOW

Hold

50

out of 100

Grade: D+

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

OSW

Buy

52

out of 100

Grade: C-

Growth: 8.7Profit: 6.0Value: 5.0Quality: 7.3
Piotroski: 5/9Altman Z: 3.33
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-50.6%)

Margin of Safety

-50.6%

Fair Value

$139.97

Current Price

$210.74

$70.77 premium

UndervaluedFair: $139.97Overvalued
OSWUndervalued (+11.4%)

Margin of Safety

+11.4%

Fair Value

$25.44

Current Price

$24.07

$1.37 discount

UndervaluedFair: $25.44Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

OSW2 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.3310/10

Safe zone — low bankruptcy risk

EPS GrowthGrowth
43.3%8/10

Earnings expanding 43.3% YoY

Areas to Watch

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

OSW2 concerns · Avg: 3.5/10
P/E RatioValuation
31.7x4/10

Premium valuation, high expectations priced in

Profit MarginProfitability
7.8%3/10

7.8% margin — thin

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : OSW

The strongest argument for OSW centers on Altman Z-Score, EPS Growth. Revenue growth of 12.7% demonstrates continued momentum.

Bear Case : LOW

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

Bear Case : OSW

The primary concerns for OSW are P/E Ratio, Profit Margin.

Key Dynamics to Monitor

OSW carries more volatility with a beta of 0.95 — expect wider price swings.

OSW is growing revenue faster at 12.7% — sustainability is the question.

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

Monitor HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

OSW scores higher overall (52/100 vs 50/100) and 12.7% revenue growth. 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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OneSpaWorld Holdings Ltd

CONSUMER CYCLICAL · LEISURE · USA

OneSpaWorld Holdings Limited operates health and wellness centers aboard cruise ships and in destination resorts globally. The company is headquartered in Nassau, Bahamas.

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