WallStSmart

BrilliA Inc (BRIA)vsUrban Outfitters Inc (URBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 9475% more annual revenue ($6.17B vs $64.39M). URBN leads profitability with a 7.5% profit margin vs 4.4%. URBN trades at a lower P/E of 12.2x. URBN earns a higher WallStSmart Score of 62/100 (C+).

BRIA

Hold

43

out of 100

Grade: D

Growth: 3.3Profit: 6.5Value: 5.7Quality: 7.3
Piotroski: 4/9Altman Z: 5.01

URBN

Buy

62

out of 100

Grade: C+

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BRIASignificantly Overvalued (-158.5%)

Margin of Safety

-158.5%

Fair Value

$0.82

Current Price

$1.86

$1.04 premium

UndervaluedFair: $0.82Overvalued
URBNSignificantly Overvalued (-104.9%)

Margin of Safety

-104.9%

Fair Value

$34.41

Current Price

$61.47

$27.06 premium

UndervaluedFair: $34.41Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BRIA3 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
5.0110/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
21.5%9/10

Every $100 of equity generates 22 in profit

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

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

Areas to Watch

BRIA4 concerns · Avg: 2.5/10
Market CapQuality
$46.00M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.4%3/10

4.4% margin — thin

EPS GrowthGrowth
-28.9%2/10

Earnings declined 28.9%

Free Cash FlowQuality
$-4.59M2/10

Negative free cash flow — burning cash

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%

Comparative Analysis Report

WallStSmart Research

Bull Case : BRIA

The strongest argument for BRIA centers on Altman Z-Score, Return on Equity, P/E Ratio. Revenue growth of 13.8% demonstrates continued momentum.

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.

Bear Case : BRIA

The primary concerns for BRIA are Market Cap, Profit Margin, EPS Growth. Thin 4.4% margins leave little buffer for downturns.

Bear Case : URBN

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

Key Dynamics to Monitor

BRIA is growing revenue faster at 13.8% — 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 43/100) and 10.1% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

BrilliA Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

BrilliA Inc. is an innovative biotechnology company specializing in advanced skin health and regenerative medicine solutions. By harnessing proprietary technologies, BrilliA addresses significant unmet medical needs through the development of novel products aimed at enhancing wound healing and overall patient quality of life. With a robust emphasis on research and development, the company is well-positioned to translate scientific advancements into transformative therapeutic solutions, solidifying its leadership role in the evolving healthcare landscape.

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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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