Charles Schwab Corp (SCHW)vsUrban Outfitters Inc (URBN)
SCHW
Charles Schwab Corp
$95.68
-0.72%
FINANCIAL SERVICES · Cap: $169.34B
URBN
Urban Outfitters Inc
$61.47
-0.36%
CONSUMER CYCLICAL · Cap: $5.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Charles Schwab Corp generates 288% more annual revenue ($23.92B vs $6.17B). SCHW leads profitability with a 37.0% profit margin vs 7.5%. URBN appears more attractively valued with a PEG of 1.01. SCHW earns a higher WallStSmart Score of 75/100 (B+).
SCHW
Strong Buy75
out of 100
Grade: B+
URBN
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+56.0%
Fair Value
$217.62
Current Price
$95.68
$121.94 discount
Margin of Safety
-104.9%
Fair Value
$34.41
Current Price
$61.47
$27.06 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 49.7%
Conservative balance sheet, low leverage
Large-cap with strong market position
18.9% revenue growth
Earnings expanding 41.1% YoY
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Negative free cash flow — burning cash
7.5% margin — thin
Earnings declined 17.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : SCHW
The strongest argument for SCHW centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 37.0% and operating margin at 49.7%. Revenue growth of 18.9% 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 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : SCHW
The primary concerns for SCHW are Free Cash Flow.
Bear Case : URBN
The primary concerns for URBN are Profit Margin, EPS Growth.
Key Dynamics to Monitor
SCHW profiles as a growth stock while URBN is a value play — different risk/reward profiles.
URBN carries more volatility with a beta of 1.21 — expect wider price swings.
SCHW is growing revenue faster at 18.9% — sustainability is the question.
URBN generates stronger free cash flow (217M), providing more financial flexibility.
Bottom Line
SCHW scores higher overall (75/100 vs 62/100), backed by strong 37.0% margins and 18.9% 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.
Charles Schwab Corp
FINANCIAL SERVICES · CAPITAL MARKETS · USA
The Charles Schwab Corporation is an American multinational financial services company. It offers banking, commercial banking, an electronic trading platform, and wealth management advisory services to both retail and institutional clients.
Visit Website →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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