WallStSmart

Cato Corporation (CATO)vsRoss Stores Inc (ROST)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ross Stores Inc generates 3532% more annual revenue ($23.78B vs $654.67M). ROST leads profitability with a 9.7% profit margin vs 0.0%. CATO appears more attractively valued with a PEG of 1.17. ROST earns a higher WallStSmart Score of 64/100 (C+).

CATO

Buy

57

out of 100

Grade: C

Growth: 5.3Profit: 3.5Value: 7.0Quality: 6.0
Piotroski: 6/9Altman Z: 1.99

ROST

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 7.5Value: 3.3Quality: 7.0
Piotroski: 5/9Altman Z: 3.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CATOUndervalued (+76.6%)

Margin of Safety

+76.6%

Fair Value

$12.93

Current Price

$3.18

$9.75 discount

UndervaluedFair: $12.93Overvalued
ROSTOvervalued (-8.9%)

Margin of Safety

-8.9%

Fair Value

$176.80

Current Price

$230.37

$53.57 premium

UndervaluedFair: $176.80Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CATO2 strengths · Avg: 10.0/10
Price/BookValuation
0.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
181.7%10/10

Earnings expanding 181.7% YoY

ROST5 strengths · Avg: 9.0/10
Return on EquityProfitability
36.7%10/10

Every $100 of equity generates 37 in profit

Altman Z-ScoreHealth
3.0810/10

Safe zone — low bankruptcy risk

Market CapQuality
$72.39B9/10

Large-cap with strong market position

Revenue GrowthGrowth
20.6%8/10

Revenue surging 20.6% year-over-year

EPS GrowthGrowth
37.4%8/10

Earnings expanding 37.4% YoY

Areas to Watch

CATO4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.5%4/10

0.5% revenue growth

Altman Z-ScoreHealth
1.994/10

Grey zone — moderate risk

Market CapQuality
$65.47M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

ROST3 concerns · Avg: 3.3/10
P/E RatioValuation
31.2x4/10

Premium valuation, high expectations priced in

Price/BookValuation
12.0x4/10

Trading at 12.0x book value

PEG RatioValuation
2.722/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CATO

The strongest argument for CATO centers on Price/Book, EPS Growth. PEG of 1.17 suggests the stock is reasonably priced for its growth.

Bull Case : ROST

The strongest argument for ROST centers on Return on Equity, Altman Z-Score, Market Cap. Revenue growth of 20.6% demonstrates continued momentum.

Bear Case : CATO

The primary concerns for CATO are Revenue Growth, Altman Z-Score, Market Cap. Thin 0.0% margins leave little buffer for downturns.

Bear Case : ROST

The primary concerns for ROST are P/E Ratio, Price/Book, PEG Ratio.

Key Dynamics to Monitor

CATO profiles as a value stock while ROST is a growth play — different risk/reward profiles.

ROST carries more volatility with a beta of 0.88 — expect wider price swings.

ROST is growing revenue faster at 20.6% — sustainability is the question.

ROST generates stronger free cash flow (627M), providing more financial flexibility.

Bottom Line

ROST scores higher overall (64/100 vs 57/100) and 20.6% revenue growth. CATO offers better value entry with a 76.6% margin of safety. Both earn "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.

Cato Corporation

CONSUMER CYCLICAL · APPAREL RETAIL · USA

The Cato Corporation is a specialty clothing and fashion accessories retailer primarily in the southeastern United States. The company is headquartered in Charlotte, North Carolina.

Ross Stores Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Ross Stores, Inc., operating under the brand name Ross Dress for Less, is an American chain of discount department stores headquartered in Dublin, California.

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