WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 991% more annual revenue ($6.17B vs $565.18M). URBN leads profitability with a 7.5% profit margin vs -2.9%. DLTH appears more attractively valued with a PEG of 0.83. URBN earns a higher WallStSmart Score of 62/100 (C+).

DLTH

Hold

41

out of 100

Grade: D

Growth: 2.0Profit: 2.5Value: 6.7Quality: 6.5
Piotroski: 4/9Altman Z: 1.99

URBN

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 6.0Value: 7.3Quality: 6.8
Piotroski: 5/9Altman Z: 3.41
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for DLTH.

URBNSignificantly Overvalued (-104.9%)

Margin of Safety

-104.9%

Fair Value

$34.41

Current Price

$61.47

$27.06 premium

UndervaluedFair: $34.41Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DLTH2 strengths · Avg: 9.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

PEG RatioValuation
0.838/10

Growing faster than its price suggests

URBN3 strengths · Avg: 8.7/10
Altman Z-ScoreHealth
3.4110/10

Safe zone — low bankruptcy risk

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

DLTH4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.994/10

Grey zone — moderate risk

Market CapQuality
$112.02M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
4.2%3/10

Operating margin of 4.2%

Debt/EquityHealth
1.223/10

Elevated debt levels

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

7.5% margin — thin

EPS GrowthGrowth
-17.4%2/10

Earnings declined 17.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : DLTH

The strongest argument for DLTH centers on Price/Book, 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 Altman Z-Score, P/E Ratio, Price/Book. Revenue growth of 10.1% demonstrates continued momentum. PEG of 1.01 suggests the stock is reasonably priced for its growth.

Bear Case : DLTH

The primary concerns for DLTH are Altman Z-Score, Market Cap, Operating Margin.

Bear Case : URBN

The primary concerns for URBN are Profit Margin, EPS Growth.

Key Dynamics to Monitor

DLTH profiles as a turnaround stock while URBN is a value play — different risk/reward profiles.

DLTH carries more volatility with a beta of 1.80 — expect wider price swings.

URBN is growing revenue faster at 10.1% — sustainability is the question.

URBN generates stronger free cash flow (217M), providing more financial flexibility.

Bottom Line

URBN scores higher overall (62/100 vs 41/100) and 10.1% revenue growth. Both earn "Buy" and "Hold" 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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