WallStSmart

Lowe's Companies Inc (LOW)vsXpel Inc (XPEL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lowe's Companies Inc generates 17957% more annual revenue ($88.43B vs $489.75M). XPEL leads profitability with a 10.8% profit margin vs 7.5%. LOW trades at a lower P/E of 17.5x. XPEL earns a higher WallStSmart Score of 55/100 (C-).

LOW

Hold

50

out of 100

Grade: D+

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

XPEL

Buy

55

out of 100

Grade: C-

Growth: 7.3Profit: 7.0Value: 5.0Quality: 8.5
Piotroski: 2/9Altman Z: 4.81
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
XPELOvervalued (-11.4%)

Margin of Safety

-11.4%

Fair Value

$49.32

Current Price

$44.56

$4.76 premium

UndervaluedFair: $49.32Overvalued

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

XPEL2 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.8110/10

Safe zone — low bankruptcy risk

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

XPEL3 concerns · Avg: 2.7/10
Market CapQuality
$1.26B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Free Cash FlowQuality
$-2.34M2/10

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, 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 : XPEL

The strongest argument for XPEL centers on Debt/Equity, Altman Z-Score. Revenue growth of 13.1% demonstrates continued momentum.

Bear Case : LOW

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

Bear Case : XPEL

The primary concerns for XPEL are Market Cap, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

XPEL carries more volatility with a beta of 1.13 — expect wider price swings.

XPEL is growing revenue faster at 13.1% — 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

XPEL scores higher overall (55/100 vs 50/100) and 13.1% revenue growth. 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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Xpel Inc

CONSUMER CYCLICAL · AUTO PARTS · USA

XPEL, Inc. manufactures, sells, distributes, and installs aftermarket automotive products in the United States, China, Canada, Continental Europe, the United Kingdom, Asia Pacific, Latin America, the Middle East / Africa, and internationally. The company is headquartered in San Antonio, Texas.

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