The Travelers Companies Inc (TRV)vsUrban Outfitters Inc (URBN)
TRV
The Travelers Companies Inc
$298.04
-0.30%
FINANCIAL SERVICES · Cap: $63.57B
URBN
Urban Outfitters Inc
$71.50
+1.50%
CONSUMER CYCLICAL · Cap: $6.32B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 694% more annual revenue ($48.94B vs $6.17B). TRV leads profitability with a 15.5% profit margin vs 7.5%. URBN appears more attractively valued with a PEG of 1.22. TRV earns a higher WallStSmart Score of 72/100 (B).
TRV
Strong Buy72
out of 100
Grade: B
URBN
Buy57
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for TRV.
Margin of Safety
+17.3%
Fair Value
$85.26
Current Price
$71.50
$13.76 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Earnings expanding 357.6% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
1.0% revenue growth
Distress zone — elevated risk
7.5% margin — thin
Earnings declined 17.5%
Comparative Analysis Report
WallStSmart ResearchBull Case : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 15.5% and operating margin at 18.7%.
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 1.22 suggests the stock is reasonably priced for its growth.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Bear Case : URBN
The primary concerns for URBN are Profit Margin, EPS Growth.
Key Dynamics to Monitor
URBN carries more volatility with a beta of 1.23 — expect wider price swings.
URBN is growing revenue faster at 10.1% — sustainability is the question.
TRV generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (72/100 vs 57/100), backed by strong 15.5% margins. URBN offers better value entry with a 17.3% 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.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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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