WallStSmart

Carter’s Inc (CRI)vsUrban Outfitters Inc (URBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 117% more annual revenue ($6.47B vs $2.98B). URBN leads profitability with a 8.8% profit margin vs 6.5%. URBN appears more attractively valued with a PEG of 1.35. CRI earns a higher WallStSmart Score of 73/100 (B).

CRI

Strong Buy

73

out of 100

Grade: B

Growth: 6.0Profit: 6.0Value: 8.0Quality: 6.0
Piotroski: 3/9Altman Z: 2.52

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

CRIUndervalued (+36.8%)

Margin of Safety

+36.8%

Fair Value

$59.81

Current Price

$30.43

$29.38 discount

UndervaluedFair: $59.81Overvalued
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

CRI4 strengths · Avg: 9.5/10
P/E RatioValuation
6.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

EPS GrowthGrowth
47146.0%10/10

Earnings expanding 47146.0% YoY

Operating MarginProfitability
23.7%8/10

Strong operational efficiency at 23.7%

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

CRI4 concerns · Avg: 3.3/10
PEG RatioValuation
2.014/10

Expensive relative to growth rate

Market CapQuality
$1.18B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
6.5%3/10

6.5% margin — thin

Debt/EquityHealth
1.153/10

Elevated debt levels

URBN0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : CRI

The strongest argument for CRI centers on P/E Ratio, Price/Book, EPS Growth.

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 : CRI

The primary concerns for CRI are PEG Ratio, Market Cap, Profit Margin.

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

CRI scores higher overall (73/100 vs 71/100). Both earn "Strong Buy" and "Strong 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.

Carter’s Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Carter's, Inc. designs, supplies, and markets branded children's clothing under the brands Carter's, OshKosh, Skip Hop, Child of Mine, Just One You, Simple Joys, Carter's little baby basics, and other brands in the United States and internationally. The company is headquartered in Atlanta, Georgia.

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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