Citi Trends Inc (CTRN)vsUrban Outfitters Inc (URBN)
CTRN
Citi Trends Inc
$60.62
-5.22%
CONSUMER CYCLICAL · Cap: $505.54M
URBN
Urban Outfitters Inc
$78.58
+3.94%
CONSUMER CYCLICAL · Cap: $6.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Urban Outfitters Inc generates 644% more annual revenue ($6.47B vs $869.97M). URBN leads profitability with a 8.8% profit margin vs 0.8%. URBN appears more attractively valued with a PEG of 1.35. URBN earns a higher WallStSmart Score of 71/100 (B).
CTRN
Buy54
out of 100
Grade: C-
URBN
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-37.4%
Fair Value
$33.55
Current Price
$60.62
$27.07 premium
Margin of Safety
+4.0%
Fair Value
$73.45
Current Price
$78.58
$5.13 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 739.0% YoY
Earnings expanding 75.9% YoY
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 5.9% — below average capital efficiency
0.8% margin — thin
Elevated debt levels
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : CTRN
The strongest argument for CTRN centers on EPS Growth. Revenue growth of 10.9% demonstrates continued momentum.
Bull Case : URBN
The strongest argument for URBN centers on EPS Growth, Altman Z-Score, P/E Ratio. Revenue growth of 10.4% demonstrates continued momentum. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bear Case : CTRN
The primary concerns for CTRN are Market Cap, Return on Equity, Profit Margin. A P/E of 70.5x leaves little room for execution misses. Thin 0.8% margins leave little buffer for downturns.
Bear Case : URBN
No major red flags identified for URBN, but monitor valuation.
Key Dynamics to Monitor
CTRN carries more volatility with a beta of 1.82 — expect wider price swings.
CTRN is growing revenue faster at 10.9% — sustainability is the question.
URBN generates stronger free cash flow (301M), providing more financial flexibility.
Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
URBN scores higher overall (71/100 vs 54/100) and 10.4% 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.
Citi Trends Inc
CONSUMER CYCLICAL · APPAREL RETAIL · USA
Citi Trends, Inc. is a retailer of affordable fashion clothing, accessories and home goods. The company is headquartered in Savannah, Georgia.
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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