WallStSmart

Dollar Tree Inc (DLTR)vsUniversal Technical Institute Inc (UTI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Dollar Tree Inc generates 2171% more annual revenue ($20.07B vs $883.60M). DLTR leads profitability with a 8.0% profit margin vs 3.9%. DLTR appears more attractively valued with a PEG of 1.64. DLTR earns a higher WallStSmart Score of 63/100 (C+).

DLTR

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 6.7Quality: 5.5
Piotroski: 6/9Altman Z: 2.51

UTI

Hold

44

out of 100

Grade: D

Growth: 6.0Profit: 5.0Value: 3.3Quality: 5.0
Piotroski: 5/9Altman Z: 1.96
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DLTRUndervalued (+19.9%)

Margin of Safety

+19.9%

Fair Value

$156.08

Current Price

$118.17

$37.91 discount

UndervaluedFair: $156.08Overvalued
UTISignificantly Overvalued (-22.2%)

Margin of Safety

-22.2%

Fair Value

$22.22

Current Price

$20.31

$1.91 premium

UndervaluedFair: $22.22Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DLTR3 strengths · Avg: 9.3/10
Return on EquityProfitability
47.1%10/10

Every $100 of equity generates 47 in profit

EPS GrowthGrowth
197.2%10/10

Earnings expanding 197.2% YoY

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

UTI0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

DLTR2 concerns · Avg: 2.5/10
PEG RatioValuation
1.644/10

Expensive relative to growth rate

Debt/EquityHealth
2.241/10

Elevated debt levels

UTI4 concerns · Avg: 3.8/10
PEG RatioValuation
1.924/10

Expensive relative to growth rate

P/E RatioValuation
34.9x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.964/10

Grey zone — moderate risk

Market CapQuality
$1.17B3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull Case : DLTR

The strongest argument for DLTR centers on Return on Equity, EPS Growth, P/E Ratio.

Bull Case : UTI

UTI has a balanced fundamental profile.

Bear Case : DLTR

The primary concerns for DLTR are PEG Ratio, Debt/Equity. Debt-to-equity of 2.24 is elevated, increasing financial risk.

Bear Case : UTI

The primary concerns for UTI are PEG Ratio, P/E Ratio, Altman Z-Score. Thin 3.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

UTI carries more volatility with a beta of 1.17 — expect wider price swings.

UTI is growing revenue faster at 7.2% — sustainability is the question.

DLTR generates stronger free cash flow (676M), providing more financial flexibility.

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

Bottom Line

DLTR scores higher overall (63/100 vs 44/100). 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.

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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Universal Technical Institute Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Universal Technical Institute, Inc. offers postsecondary education for students seeking careers as professional automotive, diesel, collision repair, motorcycle and marine technicians in the United States. The company is headquartered in Phoenix, Arizona.

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