WallStSmart

Duluth Holdings Inc (DLTH)vsUrban Outfitters Inc (URBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 1076% more annual revenue ($6.47B vs $550.75M). URBN leads profitability with a 8.8% profit margin vs 1.1%. DLTH appears more attractively valued with a PEG of 0.83. URBN earns a higher WallStSmart Score of 71/100 (B).

DLTH

Buy

57

out of 100

Grade: C

Growth: 4.7Profit: 4.5Value: 8.0Quality: 7.0
Piotroski: 6/9Altman Z: 2.15

URBN

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.0Value: 6.7Quality: 8.0
Piotroski: 6/9Altman Z: 3.32
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DLTHUndervalued (+72.4%)

Margin of Safety

+72.4%

Fair Value

$8.54

Current Price

$4.65

$3.89 discount

UndervaluedFair: $8.54Overvalued
URBNUndervalued (+4.0%)

Margin of Safety

+4.0%

Fair Value

$73.45

Current Price

$78.58

$5.13 discount

UndervaluedFair: $73.45Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DLTH3 strengths · Avg: 9.3/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

EPS GrowthGrowth
1266.0%10/10

Earnings expanding 1266.0% YoY

PEG RatioValuation
0.838/10

Growing faster than its price suggests

URBN4 strengths · Avg: 9.0/10
EPS GrowthGrowth
75.9%10/10

Earnings expanding 75.9% YoY

Altman Z-ScoreHealth
3.3210/10

Safe zone — low bankruptcy risk

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

DLTH4 concerns · Avg: 3.0/10
P/E RatioValuation
27.4x4/10

Moderate valuation

Market CapQuality
$176.72M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.1%3/10

1.1% margin — thin

Return on EquityProfitability
-9.7%2/10

ROE of -9.7% — below average capital efficiency

URBN0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : DLTH

The strongest argument for DLTH centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.83 suggests the stock is reasonably priced for its growth.

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 : DLTH

The primary concerns for DLTH are P/E Ratio, Market Cap, Profit Margin. Thin 1.1% margins leave little buffer for downturns.

Bear Case : URBN

No major red flags identified for URBN, but monitor valuation.

Key Dynamics to Monitor

DLTH carries more volatility with a beta of 1.38 — expect wider price swings.

URBN is growing revenue faster at 10.4% — 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 57/100) and 10.4% revenue growth. DLTH offers better value entry with a 72.4% margin of safety. 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.

Duluth Holdings Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Duluth Holdings Inc. sells men's and women's casual, workwear, and accessories under the Duluth Trading brand in the United States. The company is headquartered in Mount Horeb, Wisconsin.

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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