WallStSmart

Floor & Decor Holdings Inc (FND)vsUrban Outfitters Inc (URBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 37% more annual revenue ($6.47B vs $4.71B). URBN leads profitability with a 8.8% profit margin vs 4.9%. URBN appears more attractively valued with a PEG of 1.35. URBN earns a higher WallStSmart Score of 71/100 (B).

FND

Buy

53

out of 100

Grade: C-

Growth: 6.0Profit: 5.0Value: 5.3Quality: 6.0
Piotroski: 4/9Altman Z: 2.05

URBN

Strong Buy

71

out of 100

Grade: B

Growth: 7.3Profit: 7.0Value: 6.7Quality: 8.0
Piotroski: 6/9Altman Z: 3.32
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FNDUndervalued (+14.8%)

Margin of Safety

+14.8%

Fair Value

$80.92

Current Price

$47.28

$33.64 discount

UndervaluedFair: $80.92Overvalued
URBNUndervalued (+4.0%)

Margin of Safety

+4.0%

Fair Value

$73.42

Current Price

$75.01

$1.59 discount

UndervaluedFair: $73.42Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FND2 strengths · Avg: 9.0/10
EPS GrowthGrowth
53.4%10/10

Earnings expanding 53.4% YoY

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

URBN4 strengths · Avg: 9.0/10
EPS GrowthGrowth
75.9%10/10

Earnings expanding 75.9% YoY

Altman Z-ScoreHealth
3.3210/10

Safe zone — low bankruptcy risk

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

FND3 concerns · Avg: 3.7/10
PEG RatioValuation
2.204/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.0%4/10

3.0% revenue growth

Profit MarginProfitability
4.9%3/10

4.9% margin — thin

URBN0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : FND

The strongest argument for FND centers on EPS Growth, Price/Book.

Bull Case : URBN

The strongest argument for URBN centers on EPS Growth, Altman Z-Score, P/E Ratio. Revenue growth of 10.4% demonstrates continued momentum. PEG of 1.35 suggests the stock is reasonably priced for its growth.

Bear Case : FND

The primary concerns for FND are PEG Ratio, Revenue Growth, Profit Margin. Thin 4.9% margins leave little buffer for downturns.

Bear Case : URBN

No major red flags identified for URBN, but monitor valuation.

Key Dynamics to Monitor

FND carries more volatility with a beta of 1.55 — expect wider price swings.

URBN is growing revenue faster at 10.4% — sustainability is the question.

URBN generates stronger free cash flow (301M), providing more financial flexibility.

Monitor HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

URBN scores higher overall (71/100 vs 53/100) and 10.4% revenue growth. Both earn "Strong 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.

Floor & Decor Holdings Inc

CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA

Floor & Decor Holdings, Inc. is a multi-channel specialty retailer of hard surface flooring and related accessories. The company is headquartered in Atlanta, Georgia.

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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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