Lowe's Companies Inc (LOW)vsUnited Homes Group Inc. (UHG)
LOW
Lowe's Companies Inc
$198.18
+0.69%
CONSUMER CYCLICAL · Cap: $110.43B
UHG
United Homes Group Inc.
$1.22
0.00%
CONSUMER CYCLICAL · Cap: $71.77M
Smart Verdict
WallStSmart Research — data-driven comparison
Lowe's Companies Inc generates 22136% more annual revenue ($90.43B vs $406.69M). LOW leads profitability with a 7.3% profit margin vs -4.0%. LOW earns a higher WallStSmart Score of 50/100 (D+).
LOW
Hold50
out of 100
Grade: D+
UHG
Hold39
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-36.2%
Fair Value
$144.51
Current Price
$198.18
$53.67 premium
Margin of Safety
+33.9%
Fair Value
$3.63
Current Price
$1.22
$2.41 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Large-cap with strong market position
Attractively priced relative to earnings
Generating 3.1B in free cash flow
Reasonable price relative to book value
Earnings expanding 278.1% YoY
Areas to Watch
0.0% earnings growth
Grey zone — moderate risk
ROE of 0.0% — below average capital efficiency
7.3% margin — thin
Smaller company, higher risk/reward
Operating margin of 1.2%
ROE of -30.7% — below average capital efficiency
Revenue declined 8.5%
Comparative Analysis Report
WallStSmart ResearchBull 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 : UHG
The strongest argument for UHG centers on Price/Book, EPS Growth.
Bear Case : LOW
The primary concerns for LOW are EPS Growth, Altman Z-Score, Return on Equity.
Bear Case : UHG
The primary concerns for UHG are Market Cap, Operating Margin, Return on Equity. Debt-to-equity of 2.82 is elevated, increasing financial risk.
Key Dynamics to Monitor
LOW profiles as a value stock while UHG is a turnaround play — different risk/reward profiles.
UHG carries more volatility with a beta of 1.10 — 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 39/100). UHG offers better value entry with a 33.9% 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.
Visit Website →United Homes Group Inc.
CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA
United Homes Group, Inc. is a homebuilder in the Southeast that provides affordable homes for the entry-level and first move-up byer segments. The company is headquartered in Irmo, South Carolina.
Visit Website →Compare with Other HOME IMPROVEMENT RETAIL Stocks
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