WallStSmart

Lowe's Companies Inc (LOW)vsWinmark Corporation (WINA)

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Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 104403% more annual revenue ($90.43B vs $86.53M). WINA leads profitability with a 47.1% profit margin vs 7.3%. LOW appears more attractively valued with a PEG of 1.33. 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

WINA

Hold

49

out of 100

Grade: D+

Growth: 4.0Profit: 8.5Value: 5.7Quality: 9.0
Piotroski: 4/9Altman Z: 7.11
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-34.3%)

Margin of Safety

-34.3%

Fair Value

$144.62

Current Price

$189.28

$44.66 premium

UndervaluedFair: $144.62Overvalued

Intrinsic value data unavailable for WINA.

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

WINA4 strengths · Avg: 10.0/10
Profit MarginProfitability
47.1%10/10

Keeps 47 of every $100 in revenue as profit

Operating MarginProfitability
62.1%10/10

Strong operational efficiency at 62.1%

Debt/EquityHealth
-1.6510/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
7.1110/10

Safe zone — low bankruptcy risk

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

WINA4 concerns · Avg: 3.0/10
P/E RatioValuation
26.7x4/10

Moderate valuation

Market CapQuality
$1.06B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

EPS GrowthGrowth
-2.8%2/10

Earnings declined 2.8%

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 : WINA

The strongest argument for WINA centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 47.1% and operating margin at 62.1%. PEG of 1.41 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 : WINA

The primary concerns for WINA are P/E Ratio, Market Cap, Return on Equity.

Key Dynamics to Monitor

LOW profiles as a value stock while WINA is a mature play — different risk/reward profiles.

LOW carries more volatility with a beta of 0.85 — expect wider price swings.

LOW is growing revenue faster at 8.3% — sustainability is the question.

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

Bottom Line

LOW scores higher overall (50/100 vs 49/100). 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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Winmark Corporation

CONSUMER CYCLICAL · SPECIALTY RETAIL · USA

Winmark Corporation is a franchisor of five retail store concepts that buy, sell, trade and consign used merchandise primarily in the United States and Canada. The company is headquartered in Minneapolis, Minnesota.

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