WallStSmart

Lowe's Companies Inc (LOW)vsVF Corporation (VFC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 575% more annual revenue ($86.29B vs $12.78B). LOW leads profitability with a 7.7% profit margin vs 5.5%. VFC appears more attractively valued with a PEG of 0.17. VFC earns a higher WallStSmart Score of 69/100 (B-).

LOW

Hold

44

out of 100

Grade: D

Growth: 3.3Profit: 5.5Value: 4.0Quality: 7.0
Piotroski: 5/9Altman Z: 2.16

VFC

Strong Buy

69

out of 100

Grade: B-

Growth: 5.3Profit: 6.5Value: 8.0Quality: 5.8
Piotroski: 6/9Altman Z: 1.26
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LOWSignificantly Overvalued (-34.2%)

Margin of Safety

-34.2%

Fair Value

$167.88

Current Price

$233.37

$65.49 premium

UndervaluedFair: $167.88Overvalued
VFCUndervalued (+79.2%)

Margin of Safety

+79.2%

Fair Value

$100.22

Current Price

$19.41

$80.81 discount

UndervaluedFair: $100.22Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LOW2 strengths · Avg: 9.5/10
Debt/EquityHealth
-4.3110/10

Conservative balance sheet, low leverage

Market CapQuality
$130.68B9/10

Large-cap with strong market position

VFC4 strengths · Avg: 9.3/10
PEG RatioValuation
0.1710/10

Growing faster than its price suggests

EPS GrowthGrowth
78.1%10/10

Earnings expanding 78.1% YoY

Return on EquityProfitability
22.1%9/10

Every $100 of equity generates 22 in profit

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

LOW4 concerns · Avg: 3.0/10
PEG RatioValuation
2.484/10

Expensive relative to growth rate

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
7.7%3/10

7.7% margin — thin

EPS GrowthGrowth
-11.0%2/10

Earnings declined 11.0%

VFC4 concerns · Avg: 3.3/10
P/E RatioValuation
33.4x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
1.5%4/10

1.5% revenue growth

Profit MarginProfitability
5.5%3/10

5.5% margin — thin

Free Cash FlowQuality
$-13.60M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : LOW

The strongest argument for LOW centers on Debt/Equity, Market Cap. Revenue growth of 10.9% demonstrates continued momentum.

Bull Case : VFC

The strongest argument for VFC centers on PEG Ratio, EPS Growth, Return on Equity. PEG of 0.17 suggests the stock is reasonably priced for its growth.

Bear Case : LOW

The primary concerns for LOW are PEG Ratio, Return on Equity, Profit Margin.

Bear Case : VFC

The primary concerns for VFC are P/E Ratio, Revenue Growth, Profit Margin.

Key Dynamics to Monitor

VFC carries more volatility with a beta of 0.97 — expect wider price swings.

LOW is growing revenue faster at 10.9% — sustainability is the question.

LOW generates stronger free cash flow (964M), providing more financial flexibility.

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

Bottom Line

VFC scores higher overall (69/100 vs 44/100). Both earn "Strong 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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VF Corporation

CONSUMER CYCLICAL · APPAREL MANUFACTURING · USA

VF Corporation is an American worldwide apparel and footwear company founded in 1899 and headquartered in Denver, Colorado. The company's more than 30 brands are organized into three categories: Outdoor, Active and Work.

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