WallStSmart

Lowe's Companies Inc (LOW)vsLife Time Group Holdings Inc (LTH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 2773% more annual revenue ($88.43B vs $3.08B). LTH leads profitability with a 12.5% profit margin vs 7.5%. LOW trades at a lower P/E of 17.5x. LTH earns a higher WallStSmart Score of 57/100 (C).

LOW

Hold

50

out of 100

Grade: D+

Growth: 3.3Profit: 5.5Value: 5.3Quality: 6.0
Piotroski: 3/9Altman Z: 1.88

LTH

Buy

57

out of 100

Grade: C

Growth: 6.7Profit: 6.5Value: 5.3Quality: 3.5
Piotroski: 5/9Altman Z: 0.81
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-50.6%)

Margin of Safety

-50.6%

Fair Value

$139.97

Current Price

$210.74

$70.77 premium

UndervaluedFair: $139.97Overvalued

Intrinsic value data unavailable for LTH.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LOW4 strengths · Avg: 8.8/10
Debt/EquityHealth
-4.5910/10

Conservative balance sheet, low leverage

Market CapQuality
$115.86B9/10

Large-cap with strong market position

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.83B8/10

Generating 2.8B in free cash flow

LTH1 strengths · Avg: 8.0/10
Price/BookValuation
2.2x8/10

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

LTH3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.293/10

Elevated debt levels

Free Cash FlowQuality
$-61.22M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.812/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : LOW

The strongest argument for LOW centers on Debt/Equity, Market Cap, P/E Ratio. Revenue growth of 10.3% demonstrates continued momentum. PEG of 1.36 suggests the stock is reasonably priced for its growth.

Bull Case : LTH

The strongest argument for LTH centers on Price/Book. Revenue growth of 11.7% demonstrates continued momentum.

Bear Case : LOW

The primary concerns for LOW are Altman Z-Score, Return on Equity, Profit Margin.

Bear Case : LTH

The primary concerns for LTH are Debt/Equity, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

LTH carries more volatility with a beta of 1.55 — expect wider price swings.

LTH is growing revenue faster at 11.7% — 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

LTH scores higher overall (57/100 vs 50/100) and 11.7% revenue growth. 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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Life Time Group Holdings Inc

CONSUMER CYCLICAL · LEISURE · USA

Life Time Group Holdings, Inc. offers health, fitness and wellness experiences to a community of individual members in the United States and Canada. The company is headquartered in Chanhassen, Minnesota.

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