LOWLowe's

Consumer Cyclical

$185.97-30% 1Y

$185.97

$179.4552 weeks$286.02

Is it safe?

Good

Strong, no red flags: a safe balance sheet and clean books.

2 good, 3 neutral, 1 without data

SurvivalSafe zone

Financially healthy, low distress risk Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.

Honest booksLow risk

Reported earnings show no manipulation flags Beneish M-score, a forensic model that detects earnings-manipulation patterns (receivables outrunning sales, margins slipping, accrual-heavy profit).

Quality6 / 9

Mixed fundamental signals Piotroski F-score, nine pass/fail tests of year-over-year financial health across profitability, balance sheet and efficiency. 7 to 9 is strong, 0 to 3 weak.

Credit gradeBBBderived · Jul 31, 2026

Investment-grade balance sheet. A rule of thumb on leverage, not a credit rating.

Drawdown risk26% volderived · Oct 9, 2026

Moderate price swings, typical volatility. Worst drawdown -49% · now 35% below its 52-week high.

Unless marked, from SEC EDGAR, as of Jan 30, 2026.

Against the whole market›

Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.

Volatilitybetter than 87% of the market

Max drawdownbetter than 79% of the market

Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.

Can LOW take a bad year?

Lowe's carries $34.1B of net debt at 2.74× EBITDA: a load its earnings can carry.

$34.1B

Net debt · as at Q2 2026 · between two and four years of EBITDA, normal for a stable business

Net debt / EBITDA: 2.74×
Net debt / EBITDA · 2.43× a year ago · the load is going up
Altman Z-score: 3.13
Altman Z-score · safe zone, above 3
Interest cover: 396×
Interest cover · operating profit covers the interest bill several times over