WallStSmart

Ross Stores Inc (ROST)vsUrban Outfitters Inc (URBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ross Stores Inc generates 269% more annual revenue ($22.75B vs $6.17B). ROST leads profitability with a 9.4% profit margin vs 7.5%. URBN appears more attractively valued with a PEG of 1.03. URBN earns a higher WallStSmart Score of 60/100 (C).

ROST

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 7.5Value: 4.7Quality: 8.0
Piotroski: 5/9Altman Z: 3.10

URBN

Buy

60

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

ROSTSignificantly Overvalued (-15.2%)

Margin of Safety

-15.2%

Fair Value

$167.08

Current Price

$211.19

$44.11 premium

UndervaluedFair: $167.08Overvalued
URBNSignificantly Overvalued (-110.8%)

Margin of Safety

-110.8%

Fair Value

$33.46

Current Price

$63.39

$29.93 premium

UndervaluedFair: $33.46Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ROST3 strengths · Avg: 9.7/10
Return on EquityProfitability
36.7%10/10

Every $100 of equity generates 37 in profit

Altman Z-ScoreHealth
3.1010/10

Safe zone — low bankruptcy risk

Market CapQuality
$68.68B9/10

Large-cap with strong market position

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

Safe zone — low bankruptcy risk

P/E RatioValuation
12.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

ROST3 concerns · Avg: 3.3/10
P/E RatioValuation
31.9x4/10

Premium valuation, high expectations priced in

Price/BookValuation
10.9x4/10

Trading at 10.9x book value

PEG RatioValuation
3.102/10

Expensive relative to growth rate

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 : ROST

The strongest argument for ROST centers on Return on Equity, Altman Z-Score, Market Cap. Revenue growth of 12.2% demonstrates continued momentum.

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 1.03 suggests the stock is reasonably priced for its growth.

Bear Case : ROST

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

Bear Case : URBN

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

Key Dynamics to Monitor

URBN carries more volatility with a beta of 1.21 — expect wider price swings.

ROST is growing revenue faster at 12.2% — sustainability is the question.

ROST generates stronger free cash flow (921M), providing more financial flexibility.

Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

URBN scores higher overall (60/100 vs 56/100) and 10.1% revenue growth. 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.

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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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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