Dillard's, Inc. (DDS)vsLowe's Companies Inc (LOW)
DDS
Dillard's, Inc.
$650.57
+4.20%
CONSUMER CYCLICAL · Cap: $10.26B
LOW
Lowe's Companies Inc
$198.18
+0.69%
CONSUMER CYCLICAL · Cap: $110.43B
Smart Verdict
WallStSmart Research — data-driven comparison
Lowe's Companies Inc generates 1270% more annual revenue ($90.43B vs $6.60B). DDS leads profitability with a 10.3% profit margin vs 7.3%. LOW appears more attractively valued with a PEG of 1.33. DDS earns a higher WallStSmart Score of 61/100 (C+).
DDS
Buy61
out of 100
Grade: C+
LOW
Hold50
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for DDS.
Margin of Safety
-36.2%
Fair Value
$144.51
Current Price
$198.18
$53.67 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 32 in profit
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 34.1% YoY
Conservative balance sheet, low leverage
Large-cap with strong market position
Attractively priced relative to earnings
Generating 3.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Revenue declined 0.4%
Negative free cash flow — burning cash
0.0% earnings growth
Grey zone — moderate risk
ROE of 0.0% — below average capital efficiency
7.3% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : DDS
The strongest argument for DDS centers on Return on Equity, Altman Z-Score, Debt/Equity.
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.
Bear Case : DDS
The primary concerns for DDS are PEG Ratio, Revenue Growth, Free Cash Flow.
Bear Case : LOW
The primary concerns for LOW are EPS Growth, Altman Z-Score, Return on Equity.
Key Dynamics to Monitor
DDS profiles as a declining stock while LOW is a value play — different risk/reward profiles.
DDS carries more volatility with a beta of 1.19 — 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
DDS scores higher overall (61/100 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.
Dillard's, Inc.
CONSUMER CYCLICAL · DEPARTMENT STORES · USA
Dillard's, Inc. operates large retail stores in the Southeast, Southwest, and Midwest areas of the United States. The company is headquartered in Little Rock, Arkansas.
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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