WallStSmart

Dollar Tree Inc (DLTR)vsNatural Grocers by Vitamin Cottage Inc (NGVC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Dollar Tree Inc generates 1374% more annual revenue ($19.41B vs $1.32B). DLTR leads profitability with a 6.6% profit margin vs 3.3%. DLTR appears more attractively valued with a PEG of 1.12. DLTR earns a higher WallStSmart Score of 63/100 (C+).

DLTR

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 6.5Value: 6.0Quality: 5.0
Piotroski: 6/9Altman Z: 1.82

NGVC

Buy

60

out of 100

Grade: C+

Growth: 6.7Profit: 5.5Value: 8.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DLTRUndervalued (+11.4%)

Margin of Safety

+11.4%

Fair Value

$141.13

Current Price

$107.00

$34.13 discount

UndervaluedFair: $141.13Overvalued
NGVCUndervalued (+71.9%)

Margin of Safety

+71.9%

Fair Value

$87.98

Current Price

$26.44

$61.54 discount

UndervaluedFair: $87.98Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DLTR1 strengths · Avg: 10.0/10
Return on EquityProfitability
31.7%10/10

Every $100 of equity generates 32 in profit

NGVC4 strengths · Avg: 8.3/10
Return on EquityProfitability
23.6%9/10

Every $100 of equity generates 24 in profit

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Price/BookValuation
3.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
25.0%8/10

Earnings expanding 25.0% YoY

Areas to Watch

DLTR3 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.824/10

Grey zone — moderate risk

Profit MarginProfitability
6.6%3/10

6.6% margin — thin

Debt/EquityHealth
1.513/10

Elevated debt levels

NGVC3 concerns · Avg: 3.0/10
Market CapQuality
$730.40M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.3%3/10

3.3% margin — thin

Operating MarginProfitability
4.7%3/10

Operating margin of 4.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : DLTR

The strongest argument for DLTR centers on Return on Equity. PEG of 1.12 suggests the stock is reasonably priced for its growth.

Bull Case : NGVC

The strongest argument for NGVC centers on Return on Equity, P/E Ratio, Price/Book. PEG of 1.44 suggests the stock is reasonably priced for its growth.

Bear Case : DLTR

The primary concerns for DLTR are Altman Z-Score, Profit Margin, Debt/Equity. Debt-to-equity of 1.51 is elevated, increasing financial risk.

Bear Case : NGVC

The primary concerns for NGVC are Market Cap, Profit Margin, Operating Margin. Thin 3.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

NGVC carries more volatility with a beta of 1.20 — expect wider price swings.

DLTR is growing revenue faster at 9.0% — sustainability is the question.

DLTR generates stronger free cash flow (970M), providing more financial flexibility.

Monitor DISCOUNT STORES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

DLTR scores higher overall (63/100 vs 60/100). NGVC offers better value entry with a 71.9% margin of safety. 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.

Dollar Tree Inc

CONSUMER DEFENSIVE · DISCOUNT STORES · USA

Dollar Tree is an American chain of discount variety stores that sells items for $1 or less, headquartered in Chesapeake, Virginia.

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Natural Grocers by Vitamin Cottage Inc

CONSUMER DEFENSIVE · GROCERY STORES · USA

Natural Grocers of Vitamin Cottage, Inc., sells natural and organic foods and dietary supplements in the United States. The company is headquartered in Lakewood, Colorado.

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