WallStSmart

Sea Ltd (SE)vsUrban Outfitters Inc (URBN)

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Smart Verdict

WallStSmart Research — data-driven comparison

Sea Ltd generates 328% more annual revenue ($27.72B vs $6.47B). URBN leads profitability with a 8.8% profit margin vs 5.9%. SE appears more attractively valued with a PEG of 0.99. URBN earns a higher WallStSmart Score of 71/100 (B).

SE

Buy

60

out of 100

Grade: C+

Growth: 8.7Profit: 5.5Value: 7.3Quality: 6.5
Piotroski: 6/9Altman Z: 1.53

URBN

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.0Value: 6.7Quality: 8.0
Piotroski: 6/9Altman Z: 3.32
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SEUndervalued (+55.2%)

Margin of Safety

+55.2%

Fair Value

$255.67

Current Price

$75.18

$180.49 discount

UndervaluedFair: $255.67Overvalued
URBNUndervalued (+3.9%)

Margin of Safety

+3.9%

Fair Value

$73.34

Current Price

$89.35

$16.01 discount

UndervaluedFair: $73.34Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SE4 strengths · Avg: 8.8/10
Revenue GrowthGrowth
48.1%10/10

Revenue surging 48.1% year-over-year

Market CapQuality
$57.43B9/10

Large-cap with strong market position

PEG RatioValuation
0.998/10

Growing faster than its price suggests

Free Cash FlowQuality
$1.15B8/10

Generating 1.1B in free cash flow

URBN4 strengths · Avg: 9.0/10
EPS GrowthGrowth
75.9%10/10

Earnings expanding 75.9% YoY

Altman Z-ScoreHealth
3.3210/10

Safe zone — low bankruptcy risk

P/E RatioValuation
13.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Areas to Watch

SE3 concerns · Avg: 3.7/10
P/E RatioValuation
36.2x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Profit MarginProfitability
5.9%3/10

5.9% margin — thin

URBN0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : SE

The strongest argument for SE centers on Revenue Growth, Market Cap, PEG Ratio. Revenue growth of 48.1% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.

Bull Case : URBN

The strongest argument for URBN centers on EPS Growth, Altman Z-Score, P/E Ratio. Revenue growth of 10.4% demonstrates continued momentum. PEG of 1.24 suggests the stock is reasonably priced for its growth.

Bear Case : SE

The primary concerns for SE are P/E Ratio, Altman Z-Score, Profit Margin.

Bear Case : URBN

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

Key Dynamics to Monitor

SE profiles as a hypergrowth stock while URBN is a value play — different risk/reward profiles.

SE carries more volatility with a beta of 1.55 — expect wider price swings.

SE is growing revenue faster at 48.1% — sustainability is the question.

SE generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

URBN scores higher overall (71/100 vs 60/100) and 10.4% revenue growth. SE offers better value entry with a 55.2% margin of safety. 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.

Sea Ltd

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Sea Limited is engaged in the digital entertainment, e-commerce and digital financial services businesses in Southeast Asia, Latin America, the rest of Asia and internationally. The company is headquartered in Singapore.

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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