WallStSmart

Duluth Holdings Inc (DLTH)vsRoss Stores Inc (ROST)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Ross Stores Inc generates 4107% more annual revenue ($23.78B vs $565.18M). ROST leads profitability with a 9.7% profit margin vs -2.9%. DLTH appears more attractively valued with a PEG of 0.83. ROST earns a higher WallStSmart Score of 64/100 (C+).

DLTH

Hold

41

out of 100

Grade: D

Growth: 2.0Profit: 2.5Value: 7.7Quality: 7.0
Piotroski: 6/9Altman Z: 2.16

ROST

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 7.5Value: 3.3Quality: 7.0
Piotroski: 5/9Altman Z: 3.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DLTHUndervalued (+73.7%)

Margin of Safety

+73.7%

Fair Value

$8.97

Current Price

$3.32

$5.65 discount

UndervaluedFair: $8.97Overvalued
ROSTOvervalued (-8.9%)

Margin of Safety

-8.9%

Fair Value

$176.80

Current Price

$230.37

$53.57 premium

UndervaluedFair: $176.80Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DLTH2 strengths · Avg: 9.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

PEG RatioValuation
0.838/10

Growing faster than its price suggests

ROST5 strengths · Avg: 9.0/10
Return on EquityProfitability
36.7%10/10

Every $100 of equity generates 37 in profit

Altman Z-ScoreHealth
3.0810/10

Safe zone — low bankruptcy risk

Market CapQuality
$72.39B9/10

Large-cap with strong market position

Revenue GrowthGrowth
20.6%8/10

Revenue surging 20.6% year-over-year

EPS GrowthGrowth
37.4%8/10

Earnings expanding 37.4% YoY

Areas to Watch

DLTH4 concerns · Avg: 2.5/10
Market CapQuality
$126.59M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
4.2%3/10

Operating margin of 4.2%

Return on EquityProfitability
-9.7%2/10

ROE of -9.7% — below average capital efficiency

Revenue GrowthGrowth
-10.5%2/10

Revenue declined 10.5%

ROST3 concerns · Avg: 3.3/10
P/E RatioValuation
31.2x4/10

Premium valuation, high expectations priced in

Price/BookValuation
12.0x4/10

Trading at 12.0x book value

PEG RatioValuation
2.722/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : DLTH

The strongest argument for DLTH centers on Price/Book, PEG Ratio. PEG of 0.83 suggests the stock is reasonably priced for its growth.

Bull Case : ROST

The strongest argument for ROST centers on Return on Equity, Altman Z-Score, Market Cap. Revenue growth of 20.6% demonstrates continued momentum.

Bear Case : DLTH

The primary concerns for DLTH are Market Cap, Operating Margin, Return on Equity.

Bear Case : ROST

The primary concerns for ROST are P/E Ratio, Price/Book, PEG Ratio.

Key Dynamics to Monitor

DLTH profiles as a turnaround stock while ROST is a growth play — different risk/reward profiles.

DLTH carries more volatility with a beta of 1.43 — expect wider price swings.

ROST is growing revenue faster at 20.6% — sustainability is the question.

ROST generates stronger free cash flow (627M), providing more financial flexibility.

Bottom Line

ROST scores higher overall (64/100 vs 41/100) and 20.6% revenue growth. DLTH offers better value entry with a 73.7% margin of safety. 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.

Duluth Holdings Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Duluth Holdings Inc. sells men's and women's casual, workwear, and accessories under the Duluth Trading brand in the United States. The company is headquartered in Mount Horeb, Wisconsin.

Ross Stores Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Ross Stores, Inc., operating under the brand name Ross Dress for Less, is an American chain of discount department stores headquartered in Dublin, California.

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