WallStSmart

Abercrombie & Fitch Company (ANF)vsUrban Outfitters Inc (URBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 20% more annual revenue ($6.32B vs $5.28B). ANF leads profitability with a 9.3% profit margin vs 7.5%. URBN appears more attractively valued with a PEG of 1.35. URBN earns a higher WallStSmart Score of 66/100 (B-).

ANF

Buy

50

out of 100

Grade: C-

Growth: 4.7Profit: 7.5Value: 4.7Quality: 6.0
Piotroski: 3/9Altman Z: 4.21

URBN

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 6.5Value: 6.7Quality: 7.5
Piotroski: 6/9Altman Z: 3.32
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ANFSignificantly Overvalued (-68.1%)

Margin of Safety

-68.1%

Fair Value

$59.10

Current Price

$100.31

$41.21 premium

UndervaluedFair: $59.10Overvalued
URBNUndervalued (+1.8%)

Margin of Safety

+1.8%

Fair Value

$71.78

Current Price

$75.40

$3.62 discount

UndervaluedFair: $71.78Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ANF3 strengths · Avg: 10.0/10
P/E RatioValuation
9.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
36.1%10/10

Every $100 of equity generates 36 in profit

Altman Z-ScoreHealth
4.2110/10

Safe zone — low bankruptcy risk

URBN3 strengths · Avg: 8.7/10
Altman Z-ScoreHealth
3.3210/10

Safe zone — low bankruptcy risk

P/E RatioValuation
14.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

ANF4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
1.5%4/10

1.5% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.622/10

Expensive relative to growth rate

EPS GrowthGrowth
-7.5%2/10

Earnings declined 7.5%

URBN2 concerns · Avg: 2.5/10
Profit MarginProfitability
7.5%3/10

7.5% margin — thin

Free Cash FlowQuality
$-177.76M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : ANF

The strongest argument for ANF centers on P/E Ratio, Return on Equity, Altman Z-Score.

Bull Case : URBN

The strongest argument for URBN centers on Altman Z-Score, P/E Ratio, Price/Book. Revenue growth of 11.4% demonstrates continued momentum. PEG of 1.35 suggests the stock is reasonably priced for its growth.

Bear Case : ANF

The primary concerns for ANF are Revenue Growth, Piotroski F-Score, PEG Ratio.

Bear Case : URBN

The primary concerns for URBN are Profit Margin, Free Cash Flow.

Key Dynamics to Monitor

URBN carries more volatility with a beta of 1.22 — expect wider price swings.

URBN is growing revenue faster at 11.4% — sustainability is the question.

ANF generates stronger free cash flow (-17M), providing more financial flexibility.

Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

URBN scores higher overall (66/100 vs 50/100) and 11.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Abercrombie & Fitch Company

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Abercrombie & Fitch Co., is a specialty retailer. The company is headquartered in New Albany, Ohio.

Urban Outfitters Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Urban Outfitters, Inc. is engaged in the retail and wholesale of general consumer products. The company is headquartered in Philadelphia, Pennsylvania.

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