WallStSmart

Lowe's Companies Inc (LOW)vsOnewater Marine (ONEW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 4886% more annual revenue ($90.43B vs $1.81B). LOW leads profitability with a 7.3% profit margin vs -6.7%. 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

ONEW

Hold

41

out of 100

Grade: D

Growth: 4.0Profit: 4.0Value: 6.7Quality: 3.5
Piotroski: 3/9Altman Z: 1.32
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-36.2%)

Margin of Safety

-36.2%

Fair Value

$144.51

Current Price

$198.18

$53.67 premium

UndervaluedFair: $144.51Overvalued
ONEWUndervalued (+36.4%)

Margin of Safety

+36.4%

Fair Value

$20.49

Current Price

$10.73

$9.76 discount

UndervaluedFair: $20.49Overvalued

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

ONEW1 strengths · Avg: 10.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

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

ONEW4 concerns · Avg: 2.5/10
Market CapQuality
$196.82M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-37.7%2/10

ROE of -37.7% — below average capital efficiency

Revenue GrowthGrowth
-4.0%2/10

Revenue declined 4.0%

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 : ONEW

The strongest argument for ONEW centers on Price/Book.

Bear Case : LOW

The primary concerns for LOW are EPS Growth, Altman Z-Score, Return on Equity.

Bear Case : ONEW

The primary concerns for ONEW are Market Cap, Piotroski F-Score, Return on Equity. Debt-to-equity of 3.06 is elevated, increasing financial risk.

Key Dynamics to Monitor

LOW profiles as a value stock while ONEW is a turnaround play — different risk/reward profiles.

ONEW carries more volatility with a beta of 1.54 — 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 41/100). ONEW offers better value entry with a 36.4% margin of safety. 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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Onewater Marine

CONSUMER CYCLICAL · SPECIALTY RETAIL · USA

OneWater Marine Inc. is a recreational boat retailer in the United States. The company is headquartered in Buford, Georgia.

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