WallStSmart

Urban Outfitters Inc (URBN)vsZumiez Inc (ZUMZ)

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Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 564% more annual revenue ($6.17B vs $929.06M). URBN leads profitability with a 7.5% profit margin vs 1.4%. ZUMZ appears more attractively valued with a PEG of 0.96. URBN earns a higher WallStSmart Score of 62/100 (C+).

URBN

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 6.0Value: 7.3Quality: 6.8
Piotroski: 5/9Altman Z: 3.41

ZUMZ

Buy

55

out of 100

Grade: C-

Growth: 3.3Profit: 4.5Value: 7.3Quality: 5.0
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Intrinsic Value Comparison

Multi-model valuation · Graham Formula

URBNSignificantly Overvalued (-104.9%)

Margin of Safety

-104.9%

Fair Value

$34.41

Current Price

$61.47

$27.06 premium

UndervaluedFair: $34.41Overvalued
ZUMZSignificantly Overvalued (-255.2%)

Margin of Safety

-255.2%

Fair Value

$6.80

Current Price

$21.87

$15.07 premium

UndervaluedFair: $6.80Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

ZUMZ2 strengths · Avg: 9.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.968/10

Growing faster than its price suggests

Areas to Watch

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%

ZUMZ4 concerns · Avg: 3.8/10
P/E RatioValuation
28.0x4/10

Moderate valuation

Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

EPS GrowthGrowth
1.2%4/10

1.2% earnings growth

Market CapQuality
$371.13M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : ZUMZ

The strongest argument for ZUMZ centers on Price/Book, PEG Ratio. PEG of 0.96 suggests the stock is reasonably priced for its growth.

Bear Case : URBN

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

Bear Case : ZUMZ

The primary concerns for ZUMZ are P/E Ratio, Revenue Growth, EPS Growth. Thin 1.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

URBN carries more volatility with a beta of 1.21 — 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.

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.

Zumiez Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Zumiez Inc., is a specialty retailer of clothing, footwear, accessories and durable goods for young men and women. The company is headquartered in Lynnwood, Washington.

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