WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 439% more annual revenue ($6.17B vs $1.14B). URBN leads profitability with a 7.5% profit margin vs 5.1%. SCVL appears more attractively valued with a PEG of 0.95. URBN earns a higher WallStSmart Score of 62/100 (C+).

SCVL

Buy

55

out of 100

Grade: C

Growth: 2.0Profit: 5.5Value: 7.3Quality: 8.5
Piotroski: 2/9Altman Z: 3.57

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

SCVLSignificantly Overvalued (-39.9%)

Margin of Safety

-39.9%

Fair Value

$14.28

Current Price

$17.87

$3.59 premium

UndervaluedFair: $14.28Overvalued
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

SCVL4 strengths · Avg: 9.5/10
P/E RatioValuation
8.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.5710/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.958/10

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

SCVL4 concerns · Avg: 2.8/10
Market CapQuality
$490.29M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
5.1%3/10

5.1% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-3.2%2/10

Revenue declined 3.2%

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 : SCVL

The strongest argument for SCVL centers on P/E Ratio, Price/Book, Altman Z-Score. PEG of 0.95 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 : SCVL

The primary concerns for SCVL are Market Cap, Profit Margin, Piotroski F-Score.

Bear Case : URBN

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

Key Dynamics to Monitor

SCVL carries more volatility with a beta of 1.27 — 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.

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

Bottom Line

URBN scores higher overall (62/100 vs 55/100) 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.

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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