WallStSmart

Lowe's Companies Inc (LOW)vsService Corporation International (SCI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 1942% more annual revenue ($88.43B vs $4.33B). SCI leads profitability with a 12.4% profit margin vs 7.5%. LOW appears more attractively valued with a PEG of 1.36. SCI earns a higher WallStSmart Score of 56/100 (C).

LOW

Hold

50

out of 100

Grade: D+

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

SCI

Buy

56

out of 100

Grade: C

Growth: 3.3Profit: 7.5Value: 5.0Quality: 3.0
Piotroski: 4/9Altman Z: 0.48
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 SCI.

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

SCI2 strengths · Avg: 9.0/10
Return on EquityProfitability
39.5%10/10

Every $100 of equity generates 40 in profit

Operating MarginProfitability
22.1%8/10

Strong operational efficiency at 22.1%

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

SCI4 concerns · Avg: 3.0/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

Revenue GrowthGrowth
2.1%4/10

2.1% revenue growth

EPS GrowthGrowth
-1.0%2/10

Earnings declined 1.0%

Altman Z-ScoreHealth
0.482/10

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 : SCI

The strongest argument for SCI centers on Return on Equity, Operating Margin.

Bear Case : LOW

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

Bear Case : SCI

The primary concerns for SCI are PEG Ratio, Revenue Growth, EPS Growth. Debt-to-equity of 3.26 is elevated, increasing financial risk.

Key Dynamics to Monitor

LOW carries more volatility with a beta of 0.90 — expect wider price swings.

LOW is growing revenue faster at 10.3% — 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

SCI scores higher overall (56/100 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.

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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Service Corporation International

CONSUMER CYCLICAL · PERSONAL SERVICES · USA

Service Corporation International offers death care products and services in the United States and Canada. The company is headquartered in Houston, Texas.

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