As the U.S. stock market navigates a landscape of mixed bank earnings and fluctuating economic data, major indices have recently edged lower, while gold and silver reach new heights. In such an environment, identifying stocks that may be trading below their intrinsic value can present potential opportunities for investors seeking to capitalize on market inefficiencies.

Top 10 Undervalued Stocks Based On Cash Flows In The United States

Name	Current Price	Fair Value (Est)	Discount (Est)
Workiva (WK)	$84.75	$166.67	49.2%
WesBanco (WSBC)	$34.58	$68.86	49.8%
UMB Financial (UMBF)	$123.30	$243.75	49.4%
Motorcar Parts of America (MPAA)	$13.60	$26.25	48.2%
Krystal Biotech (KRYS)	$282.01	$555.39	49.2%
Investar Holding (ISTR)	$27.62	$53.60	48.5%
Horizon Bancorp (HBNC)	$17.65	$34.30	48.5%
Fifth Third Bancorp (FITB)	$49.02	$95.11	48.5%
Dime Community Bancshares (DCOM)	$31.13	$60.91	48.9%
Aptiv (APTV)	$82.61	$163.62	49.5%

Click here to see the full list of 185 stocks from our Undervalued US Stocks Based On Cash Flows screener.

We’ll examine a selection from our screener results.

Kroger

Overview: The Kroger Co. operates as a food and drug retailer in the United States with a market cap of approximately $39.53 billion.

Operations: Kroger generates revenue primarily through its retail operations, amounting to $147.23 billion.

Estimated Discount To Fair Value: 22.2%

Kroger’s stock appears undervalued based on discounted cash flow analysis, trading over 20% below its estimated fair value of US$80.33. Despite slower revenue growth expectations compared to the market, Kroger’s earnings are forecasted to grow significantly at 29.7% annually, outpacing the broader market. Recent strategic moves include a significant share buyback plan and expanded delivery partnerships with Uber Eats and Instacart, potentially enhancing customer reach and operational efficiency amidst ongoing legal challenges and regulatory scrutiny.

• Upon reviewing our latest growth report, Kroger’s projected financial performance appears quite optimistic.
• Click to explore a detailed breakdown of our findings in Kroger’s balance sheet health report.

KR Discounted Cash Flow as at Jan 2026Lazard

Overview: Lazard, Inc. is a financial advisory and asset management firm with operations across the Americas, Europe, the Middle East, Africa, and the Asia Pacific, holding a market cap of approximately $4.92 billion.

Operations: Lazard, Inc. generates revenue primarily from its Financial Advisory segment at $1.81 billion and Asset Management segment at $1.22 billion.

Estimated Discount To Fair Value: 30.3%

Lazard’s stock is trading over 20% below its estimated fair value of US$77.11, highlighting potential undervaluation based on cash flows. While the company faces unstable dividend history and high debt levels, its earnings are projected to grow significantly at 29.9% annually, surpassing market averages. Recent leadership appointments in the Global Industrials Group may bolster strategic advisory capabilities across key sectors, potentially supporting revenue growth forecasts of 12.5% per year amidst a competitive landscape.

• Insights from our recent growth report point to a promising forecast for Lazard’s business outlook.
• Navigate through the intricacies of Lazard with our comprehensive financial health report here.

LAZ Discounted Cash Flow as at Jan 2026Sociedad Química y Minera de Chile

Overview: Sociedad Química y Minera de Chile S.A. is a global producer and seller of specialty plant nutrients and iodine derivatives, with a market cap of approximately $23.76 billion.

Operations: The company generates revenue from several segments, including Lithium and Derivatives at $2.08 billion, Iodine and Derivatives at $996.40 million, Specialty Plant Nutrition at $957.03 million, Potassium at $182.60 million, and Industrial Chemicals at $74.26 million.

Estimated Discount To Fair Value: 10.5%

Sociedad Química y Minera de Chile trades at US$79.58, about 10.5% below its fair value estimate of US$88.93, suggesting potential undervaluation based on cash flows. Despite high debt levels and a dividend not well covered by earnings, the company has returned to profitability with earnings projected to grow significantly at 28.6% annually, outpacing market averages. Recent strategic alliances in China may enhance long-term growth prospects amidst steady production and sales guidance for 2025.

• Our comprehensive growth report raises the possibility that Sociedad Química y Minera de Chile is poised for substantial financial growth.
• Dive into the specifics of Sociedad Química y Minera de Chile here with our thorough financial health report.

SQM Discounted Cash Flow as at Jan 2026Seize The Opportunity

• Discover the full array of 185 Undervalued US Stocks Based On Cash Flows right here.
• Are any of these part of your asset mix? Tap into the analytical power of Simply Wall St’s portfolio to get a 360-degree view on how they’re shaping up.
• Simply Wall St is your key to unlocking global market trends, a free user-friendly app for forward-thinking investors.

Contemplating Other Strategies?

• Explore high-performing small cap companies that haven’t yet garnered significant analyst attention.
• Diversify your portfolio with solid dividend payers offering reliable income streams to weather potential market turbulence.
• Fuel your portfolio with companies showing strong growth potential, backed by optimistic outlooks both from analysts and management.

This article by Simply Wall St is general in nature. We provide commentary based on historical data
and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.
It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your
financial situation. We aim to bring you long-term focused analysis driven by fundamental data.
Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.
Simply Wall St has no position in any stocks mentioned.

Companies discussed in this article include KR LAZ and SQM.

This article was originally published by Simply Wall St.

Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com