The TJX Companies Inc (TJX)vsUrban Outfitters Inc (URBN)
TJX
The TJX Companies Inc
$158.62
-0.20%
CONSUMER CYCLICAL · Cap: $184.85B
URBN
Urban Outfitters Inc
$71.30
-2.21%
CONSUMER CYCLICAL · Cap: $6.59B
Smart Verdict
WallStSmart Research — data-driven comparison
The TJX Companies Inc generates 875% more annual revenue ($61.58B vs $6.32B). TJX leads profitability with a 9.4% profit margin vs 7.5%. URBN appears more attractively valued with a PEG of 1.34. URBN earns a higher WallStSmart Score of 63/100 (C+).
TJX
Buy56
out of 100
Grade: C
URBN
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-19.7%
Fair Value
$138.91
Current Price
$158.62
$19.71 premium
Margin of Safety
+2.0%
Fair Value
$71.98
Current Price
$71.30
$0.68 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 56 in profit
Safe zone — low bankruptcy risk
Large-cap with strong market position
Earnings expanding 29.3% YoY
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
Trading at 17.2x book value
Elevated debt levels
Expensive relative to growth rate
7.5% margin — thin
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : TJX
The strongest argument for TJX centers on Return on Equity, Altman Z-Score, Market Cap.
Bull Case : URBN
The strongest argument for URBN centers on Altman Z-Score, P/E Ratio, Price/Book. Revenue growth of 11.4% demonstrates continued momentum. PEG of 1.34 suggests the stock is reasonably priced for its growth.
Bear Case : TJX
The primary concerns for TJX are P/E Ratio, Price/Book, Debt/Equity.
Bear Case : URBN
The primary concerns for URBN are Profit Margin, Free Cash Flow.
Key Dynamics to Monitor
URBN carries more volatility with a beta of 1.22 — expect wider price swings.
URBN is growing revenue faster at 11.4% — sustainability is the question.
TJX generates stronger free cash flow (457M), providing more financial flexibility.
Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
URBN scores higher overall (63/100 vs 56/100) and 11.4% 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.
The TJX Companies Inc
CONSUMER CYCLICAL · APPAREL RETAIL · USA
The TJX Companies, Inc. (abbreviated TJX) is an American multinational off-price department store corporation, headquartered in Framingham, Massachusetts.
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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