WallStSmart

Abercrombie & Fitch Company (ANF)vsUrban Outfitters Inc (URBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 21% more annual revenue ($6.47B vs $5.34B). ANF leads profitability with a 10.0% profit margin vs 8.8%. URBN appears more attractively valued with a PEG of 1.35. URBN earns a higher WallStSmart Score of 71/100 (B).

ANF

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 8.0Value: 5.0Quality: 6.0
Piotroski: 3/9Altman Z: 4.21

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

Intrinsic value data unavailable for ANF.

URBNUndervalued (+4.0%)

Margin of Safety

+4.0%

Fair Value

$73.45

Current Price

$78.58

$5.13 discount

UndervaluedFair: $73.45Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ANF4 strengths · Avg: 9.0/10
Return on EquityProfitability
36.1%10/10

Every $100 of equity generates 36 in profit

Altman Z-ScoreHealth
4.2110/10

Safe zone — low bankruptcy risk

P/E RatioValuation
13.1x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
43.3%8/10

Earnings expanding 43.3% YoY

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
12.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

ANF3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.8%4/10

4.8% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.622/10

Expensive relative to growth rate

URBN0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : ANF

The strongest argument for ANF centers on Return on Equity, Altman Z-Score, P/E Ratio.

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 1.35 suggests the stock is reasonably priced for its growth.

Bear Case : ANF

The primary concerns for ANF are Revenue Growth, Piotroski F-Score, PEG Ratio.

Bear Case : URBN

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

Key Dynamics to Monitor

URBN carries more volatility with a beta of 1.26 — expect wider price swings.

URBN is growing revenue faster at 10.4% — sustainability is the question.

URBN generates stronger free cash flow (301M), providing more financial flexibility.

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

Bottom Line

URBN scores higher overall (71/100 vs 64/100) and 10.4% revenue growth. 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.

Abercrombie & Fitch Company

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Abercrombie & Fitch Co., is a specialty retailer. The company is headquartered in New Albany, Ohio.

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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