WallStSmart

Lowe's Companies Inc (LOW)vsMarriot Vacations Worldwide (VAC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 2548% more annual revenue ($90.43B vs $3.42B). LOW leads profitability with a 7.3% profit margin vs -9.8%. LOW appears more attractively valued with a PEG of 1.33. VAC earns a higher WallStSmart Score of 57/100 (C).

LOW

Hold

50

out of 100

Grade: D+

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

VAC

Buy

57

out of 100

Grade: C

Growth: 6.0Profit: 4.0Value: 7.0Quality: 5.5
Piotroski: 4/9Altman Z: 1.12
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-34.3%)

Margin of Safety

-34.3%

Fair Value

$144.62

Current Price

$196.16

$51.54 premium

UndervaluedFair: $144.62Overvalued
VACUndervalued (+41.4%)

Margin of Safety

+41.4%

Fair Value

$94.72

Current Price

$99.15

$4.43 discount

UndervaluedFair: $94.72Overvalued

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

VAC1 strengths · Avg: 8.0/10
Price/BookValuation
1.7x8/10

Reasonable price relative to book value

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

VAC4 concerns · Avg: 1.5/10
Return on EquityProfitability
-17.2%2/10

ROE of -17.2% — below average capital efficiency

Altman Z-ScoreHealth
1.122/10

Distress zone — elevated risk

Profit MarginProfitability
-9.8%1/10

Currently unprofitable

Debt/EquityHealth
2.651/10

Elevated debt levels

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 : VAC

The strongest argument for VAC centers on Price/Book. PEG of 1.48 suggests the stock is reasonably priced for its growth.

Bear Case : LOW

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

Bear Case : VAC

The primary concerns for VAC are Return on Equity, Altman Z-Score, Profit Margin. Debt-to-equity of 2.65 is elevated, increasing financial risk.

Key Dynamics to Monitor

LOW profiles as a value stock while VAC is a turnaround play — different risk/reward profiles.

VAC carries more volatility with a beta of 1.24 — expect wider price swings.

VAC is growing revenue faster at 9.7% — sustainability is the question.

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

Bottom Line

VAC scores higher overall (57/100 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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Marriot Vacations Worldwide

CONSUMER CYCLICAL · RESORTS & CASINOS · USA

Marriott Vacations Worldwide Corporation, a vacation company, develops, markets, sells and manages vacation ownership and related products. The company is headquartered in Orlando, Florida.

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