WallStSmart

Lennox International Inc (LII)vsVisa Inc. Class A (V)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Visa Inc. Class A generates 718% more annual revenue ($43.03B vs $5.26B). V leads profitability with a 51.7% profit margin vs 15.1%. LII appears more attractively valued with a PEG of 1.52. V earns a higher WallStSmart Score of 72/100 (B).

LII

Buy

56

out of 100

Grade: C

Growth: 4.0Profit: 8.5Value: 4.0Quality: 6.3
Piotroski: 3/9Altman Z: 4.22

V

Strong Buy

72

out of 100

Grade: B

Growth: 8.7Profit: 10.0Value: 5.0Quality: 5.5
Piotroski: 4/9Altman Z: 1.84
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LIISignificantly Overvalued (-50.6%)

Margin of Safety

-50.6%

Fair Value

$370.16

Current Price

$541.37

$171.21 premium

UndervaluedFair: $370.16Overvalued

Intrinsic value data unavailable for V.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LII2 strengths · Avg: 10.0/10
Return on EquityProfitability
76.8%10/10

Every $100 of equity generates 77 in profit

Altman Z-ScoreHealth
4.2210/10

Safe zone — low bankruptcy risk

V6 strengths · Avg: 9.3/10
Market CapQuality
$623.83B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
60.4%10/10

Every $100 of equity generates 60 in profit

Profit MarginProfitability
51.7%10/10

Keeps 52 of every $100 in revenue as profit

Operating MarginProfitability
67.3%10/10

Strong operational efficiency at 67.3%

Revenue GrowthGrowth
17.1%8/10

17.1% revenue growth

EPS GrowthGrowth
35.5%8/10

Earnings expanding 35.5% YoY

Areas to Watch

LII4 concerns · Avg: 3.3/10
PEG RatioValuation
1.524/10

Expensive relative to growth rate

Price/BookValuation
16.2x4/10

Trading at 16.2x book value

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-0.6%2/10

Earnings declined 0.6%

V4 concerns · Avg: 4.0/10
PEG RatioValuation
1.724/10

Expensive relative to growth rate

P/E RatioValuation
28.6x4/10

Moderate valuation

Price/BookValuation
15.9x4/10

Trading at 15.9x book value

Altman Z-ScoreHealth
1.844/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull Case : LII

The strongest argument for LII centers on Return on Equity, Altman Z-Score. Profitability is solid with margins at 15.1% and operating margin at 14.4%.

Bull Case : V

The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.7% and operating margin at 67.3%. Revenue growth of 17.1% demonstrates continued momentum.

Bear Case : LII

The primary concerns for LII are PEG Ratio, Price/Book, Piotroski F-Score.

Bear Case : V

The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.

Key Dynamics to Monitor

LII profiles as a mature stock while V is a growth play — different risk/reward profiles.

LII carries more volatility with a beta of 1.21 — expect wider price swings.

V is growing revenue faster at 17.1% — sustainability is the question.

V generates stronger free cash flow (2.6B), providing more financial flexibility.

Bottom Line

V scores higher overall (72/100 vs 56/100), backed by strong 51.7% margins and 17.1% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Lennox International Inc

INDUSTRIALS · BUILDING PRODUCTS & EQUIPMENT · USA

Lennox International Inc. designs, manufactures and markets a range of products for the heating, ventilation, air conditioning and refrigeration markets in the United States, Canada and internationally. The company is headquartered in Richardson, Texas.

Visa Inc. Class A

FINANCIAL SERVICES · CREDIT SERVICES · USA

Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.

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