WallStSmart

Lowe's Companies Inc (LOW)vsGentherm Inc (THRM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 5648% more annual revenue ($88.43B vs $1.54B). LOW leads profitability with a 7.5% profit margin vs 1.5%. THRM appears more attractively valued with a PEG of 1.02. THRM earns a higher WallStSmart Score of 53/100 (C-).

LOW

Hold

50

out of 100

Grade: D+

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

THRM

Buy

53

out of 100

Grade: C-

Growth: 4.7Profit: 5.0Value: 6.7Quality: 6.5
Piotroski: 3/9Altman Z: 2.86
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
THRMUndervalued (+72.3%)

Margin of Safety

+72.3%

Fair Value

$116.90

Current Price

$36.25

$80.65 discount

UndervaluedFair: $116.90Overvalued

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

THRM1 strengths · Avg: 8.0/10
Price/BookValuation
1.5x8/10

Reasonable price relative to book value

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

THRM4 concerns · Avg: 3.0/10
Market CapQuality
$1.09B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.2%3/10

ROE of 3.2% — below average capital efficiency

Profit MarginProfitability
1.5%3/10

1.5% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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 : THRM

The strongest argument for THRM centers on Price/Book. Revenue growth of 11.3% demonstrates continued momentum. PEG of 1.02 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 : THRM

The primary concerns for THRM are Market Cap, Return on Equity, Profit Margin. A P/E of 48.7x leaves little room for execution misses. Thin 1.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

THRM carries more volatility with a beta of 1.35 — expect wider price swings.

THRM is growing revenue faster at 11.3% — 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

THRM scores higher overall (53/100 vs 50/100) and 11.3% 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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Gentherm Inc

CONSUMER CYCLICAL · AUTO PARTS · USA

Gentherm Incorporated designs, develops, manufactures and markets thermal management technologies. The company is headquartered in Northville, Michigan.

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