WallStSmart

Lowe's Companies Inc (LOW)vsPattern Group Inc. Series A Common Stock (PTRN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 2901% more annual revenue ($90.43B vs $3.01B). LOW leads profitability with a 7.3% profit margin vs 0.9%. 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

PTRN

Hold

36

out of 100

Grade: F

Growth: 7.3Profit: 3.5Value: 5.0Quality: 8.0
Piotroski: 2/9Altman Z: 4.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-34.3%)

Margin of Safety

-34.3%

Fair Value

$144.62

Current Price

$196.16

$51.54 premium

UndervaluedFair: $144.62Overvalued

Intrinsic value data unavailable for PTRN.

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

PTRN3 strengths · Avg: 10.0/10
Revenue GrowthGrowth
46.6%10/10

Revenue surging 46.6% year-over-year

Debt/EquityHealth
0.0810/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.2010/10

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

PTRN4 concerns · Avg: 2.8/10
Profit MarginProfitability
0.9%3/10

0.9% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-23.2%2/10

ROE of -23.2% — below average capital efficiency

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 : PTRN

The strongest argument for PTRN centers on Revenue Growth, Debt/Equity, Altman Z-Score. Revenue growth of 46.6% demonstrates continued momentum.

Bear Case : LOW

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

Bear Case : PTRN

The primary concerns for PTRN are Profit Margin, Operating Margin, Piotroski F-Score. Thin 0.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

LOW profiles as a value stock while PTRN is a hypergrowth play — different risk/reward profiles.

PTRN is growing revenue faster at 46.6% — sustainability is the question.

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

Monitor HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LOW scores higher overall (50/100 vs 36/100). 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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Pattern Group Inc. Series A Common Stock

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Pattern Group Inc. operates online marketplaces that sell various consumer products. The company is headquartered in Lehi, Utah.

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