Citi Trends Inc (CTRN)vsUrban Outfitters Inc (URBN)
CTRN
Citi Trends Inc
$44.63
-2.64%
CONSUMER CYCLICAL · Cap: $366.02M
URBN
Urban Outfitters Inc
$61.47
-0.36%
CONSUMER CYCLICAL · Cap: $5.53B
Smart Verdict
WallStSmart Research — data-driven comparison
Urban Outfitters Inc generates 652% more annual revenue ($6.17B vs $819.96M). URBN leads profitability with a 7.5% profit margin vs 0.6%. URBN appears more attractively valued with a PEG of 1.01. URBN earns a higher WallStSmart Score of 62/100 (C+).
CTRN
Hold41
out of 100
Grade: D
URBN
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-976.9%
Fair Value
$4.28
Current Price
$44.63
$40.35 premium
Margin of Safety
-104.9%
Fair Value
$34.41
Current Price
$61.47
$27.06 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
No standout strengths identified
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
0.6% margin — thin
Operating margin of 3.0%
7.5% margin — thin
Earnings declined 17.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : CTRN
CTRN has a balanced fundamental profile.
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 : CTRN
The primary concerns for CTRN are Market Cap, Return on Equity, Profit Margin. A P/E of 69.6x leaves little room for execution misses. Thin 0.6% margins leave little buffer for downturns.
Bear Case : URBN
The primary concerns for URBN are Profit Margin, EPS Growth.
Key Dynamics to Monitor
CTRN carries more volatility with a beta of 2.06 — expect wider price swings.
URBN is growing revenue faster at 10.1% — 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 41/100) 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.
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.
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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