Citi Trends Inc (CTRN)vsThe TJX Companies Inc (TJX)
CTRN
Citi Trends Inc
$60.20
-0.69%
CONSUMER CYCLICAL · Cap: $505.54M
TJX
The TJX Companies Inc
$126.00
-0.02%
CONSUMER CYCLICAL · Cap: $138.62B
Smart Verdict
WallStSmart Research — data-driven comparison
The TJX Companies Inc generates 7068% more annual revenue ($62.36B vs $869.97M). TJX leads profitability with a 9.7% profit margin vs 0.8%. TJX appears more attractively valued with a PEG of 2.47. TJX earns a higher WallStSmart Score of 58/100 (C).
CTRN
Buy54
out of 100
Grade: C-
TJX
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-37.4%
Fair Value
$33.55
Current Price
$60.20
$26.65 premium
Margin of Safety
+10.6%
Fair Value
$140.96
Current Price
$126.00
$14.97 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 739.0% YoY
Every $100 of equity generates 57 in profit
Safe zone — low bankruptcy risk
Large-cap with strong market position
Earnings expanding 23.6% YoY
Generating 1.7B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 5.9% — below average capital efficiency
0.8% margin — thin
Elevated debt levels
Expensive relative to growth rate
Trading at 13.4x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CTRN
The strongest argument for CTRN centers on EPS Growth. Revenue growth of 10.9% demonstrates continued momentum.
Bull Case : TJX
The strongest argument for TJX centers on Return on Equity, Altman Z-Score, Market Cap.
Bear Case : CTRN
The primary concerns for CTRN are Market Cap, Return on Equity, Profit Margin. A P/E of 70.5x leaves little room for execution misses. Thin 0.8% margins leave little buffer for downturns.
Bear Case : TJX
The primary concerns for TJX are PEG Ratio, Price/Book, Debt/Equity.
Key Dynamics to Monitor
CTRN carries more volatility with a beta of 1.82 — expect wider price swings.
CTRN is growing revenue faster at 10.9% — sustainability is the question.
TJX generates stronger free cash flow (1.7B), providing more financial flexibility.
Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TJX scores higher overall (58/100 vs 54/100). 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.
Citi Trends Inc
CONSUMER CYCLICAL · APPAREL RETAIL · USA
Citi Trends, Inc. is a retailer of affordable fashion clothing, accessories and home goods. The company is headquartered in Savannah, Georgia.
The TJX Companies Inc
CONSUMER CYCLICAL · APPAREL RETAIL · USA
The TJX Companies, Inc. (abbreviated TJX) is an American multinational off-price department store corporation, headquartered in Framingham, Massachusetts.
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