WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 8858% more annual revenue ($90.43B vs $1.01B). OSW leads profitability with a 8.0% profit margin vs 7.3%. LOW trades at a lower P/E of 16.6x. LOW earns a higher WallStSmart Score of 50/100 (D+).

LOW

Hold

50

out of 100

Grade: D+

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

OSW

Hold

46

out of 100

Grade: D+

Growth: 8.0Profit: 6.5Value: 5.7Quality: 8.5
Piotroski: 5/9Altman Z: 3.33
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-36.2%)

Margin of Safety

-36.2%

Fair Value

$144.51

Current Price

$198.18

$53.67 premium

UndervaluedFair: $144.51Overvalued
OSWUndervalued (+12.1%)

Margin of Safety

+12.1%

Fair Value

$25.63

Current Price

$21.74

$3.89 discount

UndervaluedFair: $25.63Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

Conservative balance sheet, low leverage

Market CapQuality
$110.43B9/10

Large-cap with strong market position

P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$3.12B8/10

Generating 3.1B in free cash flow

OSW2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
3.3310/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.169/10

Conservative balance sheet, low leverage

Areas to Watch

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

OSW1 concerns · Avg: 4.0/10
P/E RatioValuation
28.3x4/10

Moderate valuation

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : OSW

The strongest argument for OSW centers on Altman Z-Score, Debt/Equity.

Bear Case : LOW

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

Bear Case : OSW

The primary concerns for OSW are P/E Ratio.

Key Dynamics to Monitor

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

OSW is growing revenue faster at 8.5% — sustainability is the question.

LOW generates stronger free cash flow (3.1B), providing more financial flexibility.

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

Bottom Line

LOW scores higher overall (50/100 vs 46/100). 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.

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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