WallStSmart

Dollar Tree Inc (DLTR)vsUdemy Inc (UDMY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Dollar Tree Inc generates 2400% more annual revenue ($19.75B vs $789.84M). DLTR leads profitability with a 6.5% profit margin vs 0.5%. DLTR trades at a lower P/E of 20.2x. DLTR earns a higher WallStSmart Score of 57/100 (C).

DLTR

Buy

57

out of 100

Grade: C

Growth: 6.0Profit: 6.5Value: 6.0Quality: 5.5
Piotroski: 6/9Altman Z: 2.51

UDMY

Avoid

35

out of 100

Grade: F

Growth: 4.0Profit: 4.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DLTRUndervalued (+17.0%)

Margin of Safety

+17.0%

Fair Value

$150.57

Current Price

$128.57

$22.00 discount

UndervaluedFair: $150.57Overvalued
UDMYUndervalued (+15.4%)

Margin of Safety

+15.4%

Fair Value

$5.46

Current Price

$4.63

$0.83 discount

UndervaluedFair: $5.46Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DLTR1 strengths · Avg: 10.0/10
Return on EquityProfitability
36.7%10/10

Every $100 of equity generates 37 in profit

UDMY0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

DLTR3 concerns · Avg: 2.7/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

Profit MarginProfitability
6.5%3/10

6.5% margin — thin

Debt/EquityHealth
2.171/10

Elevated debt levels

UDMY4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$675.68M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.9%3/10

ROE of 1.9% — below average capital efficiency

Profit MarginProfitability
0.5%3/10

0.5% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : DLTR

The strongest argument for DLTR centers on Return on Equity.

Bull Case : UDMY

UDMY has a balanced fundamental profile.

Bear Case : DLTR

The primary concerns for DLTR are PEG Ratio, Profit Margin, Debt/Equity. Debt-to-equity of 2.17 is elevated, increasing financial risk.

Bear Case : UDMY

The primary concerns for UDMY are EPS Growth, Market Cap, Return on Equity. A P/E of 154.3x leaves little room for execution misses. Thin 0.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

UDMY carries more volatility with a beta of 1.58 — expect wider price swings.

DLTR is growing revenue faster at 7.2% — sustainability is the question.

DLTR generates stronger free cash flow (391M), providing more financial flexibility.

Monitor DISCOUNT STORES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

DLTR scores higher overall (57/100 vs 35/100). UDMY offers better value entry with a 15.4% margin of safety. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Dollar Tree Inc

CONSUMER DEFENSIVE · DISCOUNT STORES · USA

Dollar Tree is an American chain of discount variety stores that sells items for $1 or less, headquartered in Chesapeake, Virginia.

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Udemy Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Udemy, Inc. operates a platform for teaching and learning skills in the United States and internationally. The company is headquartered in San Francisco, California.

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