Citi Trends Inc (CTRN)vsThe TJX Companies Inc (TJX)
CTRN
Citi Trends Inc
$43.06
-6.88%
CONSUMER CYCLICAL · Cap: $386.62M
TJX
The TJX Companies Inc
$158.62
-0.64%
CONSUMER CYCLICAL · Cap: $169.78B
Smart Verdict
WallStSmart Research — data-driven comparison
The TJX Companies Inc generates 7153% more annual revenue ($61.58B vs $849.09M). TJX leads profitability with a 9.4% profit margin vs 1.4%. CTRN appears more attractively valued with a PEG of 2.85. CTRN earns a higher WallStSmart Score of 57/100 (C).
CTRN
Buy57
out of 100
Grade: C
TJX
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-43.6%
Fair Value
$32.10
Current Price
$43.06
$10.96 premium
Margin of Safety
-15.0%
Fair Value
$138.91
Current Price
$158.62
$19.71 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 739.0% YoY
Reasonable price relative to book value
Every $100 of equity generates 56 in profit
Safe zone — low bankruptcy risk
Large-cap with strong market position
Earnings expanding 29.3% YoY
Areas to Watch
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
1.4% margin — thin
Moderate valuation
Trading at 17.2x book value
Elevated debt levels
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : CTRN
The strongest argument for CTRN centers on EPS Growth, Price/Book. Revenue growth of 14.4% 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 P/E Ratio, Market Cap, Return on Equity. Debt-to-equity of 1.81 is elevated, increasing financial risk. Thin 1.4% margins leave little buffer for downturns.
Bear Case : TJX
The primary concerns for TJX are P/E Ratio, Price/Book, Debt/Equity.
Key Dynamics to Monitor
CTRN carries more volatility with a beta of 1.88 — expect wider price swings.
CTRN is growing revenue faster at 14.4% — sustainability is the question.
TJX generates stronger free cash flow (457M), providing more financial flexibility.
Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CTRN scores higher overall (57/100 vs 56/100) and 14.4% 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.
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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