WallStSmart

Shoe Carnival Inc (SCVL)vsUrban Outfitters Inc (URBN)

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Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 474% more annual revenue ($6.47B vs $1.13B). URBN leads profitability with a 8.8% profit margin vs 3.3%. SCVL appears more attractively valued with a PEG of 0.95. URBN earns a higher WallStSmart Score of 74/100 (B).

SCVL

Buy

52

out of 100

Grade: C-

Growth: 2.0Profit: 4.5Value: 7.0Quality: 7.5
Piotroski: 2/9Altman Z: 3.32

URBN

Strong Buy

74

out of 100

Grade: B

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for SCVL.

URBNUndervalued (+3.9%)

Margin of Safety

+3.9%

Fair Value

$73.41

Current Price

$75.35

$1.94 discount

UndervaluedFair: $73.41Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SCVL4 strengths · Avg: 9.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.3210/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.958/10

Growing faster than its price suggests

P/E RatioValuation
12.5x8/10

Attractively priced relative to earnings

URBN4 strengths · Avg: 9.5/10
P/E RatioValuation
11.6x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
75.9%10/10

Earnings expanding 75.9% YoY

Altman Z-ScoreHealth
3.3210/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

SCVL4 concerns · Avg: 3.0/10
Market CapQuality
$458.59M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
5.5%3/10

ROE of 5.5% — below average capital efficiency

Profit MarginProfitability
3.3%3/10

3.3% margin — thin

Operating MarginProfitability
2.8%3/10

Operating margin of 2.8%

URBN0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : SCVL

The strongest argument for SCVL centers on Price/Book, Altman Z-Score, PEG Ratio. PEG of 0.95 suggests the stock is reasonably priced for its growth.

Bull Case : URBN

The strongest argument for URBN centers on P/E Ratio, EPS Growth, Altman Z-Score. Revenue growth of 10.4% demonstrates continued momentum. PEG of 1.25 suggests the stock is reasonably priced for its growth.

Bear Case : SCVL

The primary concerns for SCVL are Market Cap, Return on Equity, Profit Margin. Thin 3.3% margins leave little buffer for downturns.

Bear Case : URBN

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

Key Dynamics to Monitor

SCVL carries more volatility with a beta of 1.40 — 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 (74/100 vs 52/100) and 10.4% 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.

Shoe Carnival Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Shoe Carnival, Inc., is a family footwear retailer in the United States. The company is headquartered in Evansville, Indiana.

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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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