WallStSmart

Lowe's Companies Inc (LOW)vsVF Corporation (VFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 592% more annual revenue ($88.43B vs $12.78B). LOW leads profitability with a 7.5% profit margin vs 5.5%. VFC appears more attractively valued with a PEG of 0.43. VFC earns a higher WallStSmart Score of 66/100 (B-).

LOW

Hold

50

out of 100

Grade: D+

Growth: 3.3Profit: 5.5Value: 4.7Quality: 6.0
Piotroski: 3/9Altman Z: 1.88

VFC

Strong Buy

66

out of 100

Grade: B-

Growth: 5.3Profit: 5.5Value: 8.7Quality: 4.5
Piotroski: 5/9Altman Z: 1.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-58.5%)

Margin of Safety

-58.5%

Fair Value

$140.20

Current Price

$214.40

$74.20 premium

UndervaluedFair: $140.20Overvalued
VFCUndervalued (+77.3%)

Margin of Safety

+77.3%

Fair Value

$91.70

Current Price

$16.59

$75.11 discount

UndervaluedFair: $91.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LOW3 strengths · Avg: 9.0/10
Debt/EquityHealth
-4.5910/10

Conservative balance sheet, low leverage

Market CapQuality
$123.46B9/10

Large-cap with strong market position

Free Cash FlowQuality
$2.83B8/10

Generating 2.8B in free cash flow

VFC3 strengths · Avg: 9.3/10
PEG RatioValuation
0.4310/10

Growing faster than its price suggests

EPS GrowthGrowth
78.1%10/10

Earnings expanding 78.1% YoY

Price/BookValuation
1.8x8/10

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

VFC4 concerns · Avg: 3.5/10
P/E RatioValuation
27.6x4/10

Moderate valuation

Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

Profit MarginProfitability
5.5%3/10

5.5% margin — thin

Operating MarginProfitability
3.8%3/10

Operating margin of 3.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : LOW

The strongest argument for LOW centers on Debt/Equity, Market Cap, Free Cash Flow. Revenue growth of 10.3% demonstrates continued momentum. PEG of 1.44 suggests the stock is reasonably priced for its growth.

Bull Case : VFC

The strongest argument for VFC centers on PEG Ratio, EPS Growth, Price/Book. PEG of 0.43 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 : VFC

The primary concerns for VFC are P/E Ratio, Revenue Growth, Profit Margin. Debt-to-equity of 2.69 is elevated, increasing financial risk.

Key Dynamics to Monitor

VFC carries more volatility with a beta of 0.97 — 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

VFC scores higher overall (66/100 vs 50/100). Both earn "Strong 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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VF Corporation

CONSUMER CYCLICAL · APPAREL MANUFACTURING · USA

VF Corporation is an American worldwide apparel and footwear company founded in 1899 and headquartered in Denver, Colorado. The company's more than 30 brands are organized into three categories: Outdoor, Active and Work.

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