WallStSmart

Lowe's Companies Inc (LOW)vsThor Industries Inc (THO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 801% more annual revenue ($88.43B vs $9.82B). LOW leads profitability with a 7.5% profit margin vs 2.7%. THO appears more attractively valued with a PEG of 0.71. THO earns a higher WallStSmart Score of 54/100 (C-).

LOW

Hold

50

out of 100

Grade: D+

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

THO

Buy

54

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 6.7Quality: 8.0
Piotroski: 4/9Altman Z: 3.50
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
THOOvervalued (-8.3%)

Margin of Safety

-8.3%

Fair Value

$110.67

Current Price

$75.70

$34.97 premium

UndervaluedFair: $110.67Overvalued

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

THO5 strengths · Avg: 9.2/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.5010/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.718/10

Growing faster than its price suggests

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

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

THO4 concerns · Avg: 2.8/10
Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Operating MarginProfitability
3.5%3/10

Operating margin of 3.5%

Revenue GrowthGrowth
-3.9%2/10

Revenue declined 3.9%

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 : THO

The strongest argument for THO centers on Price/Book, Debt/Equity, Altman Z-Score. PEG of 0.71 suggests the stock is reasonably priced for its growth.

Bear Case : LOW

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

Bear Case : THO

The primary concerns for THO are Return on Equity, Profit Margin, Operating Margin. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

THO carries more volatility with a beta of 1.32 — 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 HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

THO scores higher overall (54/100 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.

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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Thor Industries Inc

CONSUMER CYCLICAL · RECREATIONAL VEHICLES · USA

Thor Industries, Inc. designs, manufactures, and sells recreational vehicles (RVs) and related parts and accessories in the United States, Canada, and Europe. The company is headquartered in Elkhart, Indiana.

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