Is HD or LOW more undervalued in 2026?

CirclFi compares Home Depot, Inc. (The) (HD) and Lowe's Companies, Inc. (LOW) using 13 institutional-grade valuation models. HD has a Quality of Company score of 9.0/10 while LOW scores 8.7/10.

Which is a better buy — HD or LOW?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do HD and LOW valuations compare?

HD at $321.21 and LOW at $217.92 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HD vs LOW Valuation Comparison 2026 — Intrinsic Value Analysis

HD

Home Improvement Retail

Home Depot, Inc. (The)

Quality

9.0

out of 10

Value Trap

SAFE

Price

$321.21

Last close

Models

12/13

Active

LOW

Home Improvement Retail

Lowe's Companies, Inc.

Quality

8.7

out of 10

Value Trap

SAFE

Price

$217.92

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	HD Fair Value	HD Upside	LOW Fair Value	LOW Upside
Bayesian DCF	Intrinsic	$140.50	-56.3%	$108.14	-50.4%
Earnings Power Value	Intrinsic	$95.38	-70.3%	$67.15	-69.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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HD vs LOW — Which Stock Is More Undervalued?

HD scores higher with a 9.0/10 quality rating vs LOW's 8.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Home Depot, Inc. (The) (HD) and Lowe's Companies, Inc. (LOW) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

HD currently trades at $321.21 with a QOC of 9.0/10, while LOW trades at $217.92 with a QOC of 8.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).