WallStSmart

General Motors Company (GM)vsUrban Outfitters Inc (URBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

General Motors Company generates 2837% more annual revenue ($185.53B vs $6.32B). URBN leads profitability with a 7.5% profit margin vs 1.1%. GM appears more attractively valued with a PEG of 0.35. URBN earns a higher WallStSmart Score of 63/100 (C+).

GM

Buy

53

out of 100

Grade: C-

Growth: 4.0Profit: 4.0Value: 5.3Quality: 3.5
Piotroski: 3/9Altman Z: 1.20

URBN

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 6.5Value: 6.7Quality: 7.5
Piotroski: 6/9Altman Z: 3.32
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GMSignificantly Overvalued (-33.9%)

Margin of Safety

-33.9%

Fair Value

$62.99

Current Price

$83.73

$20.74 premium

UndervaluedFair: $62.99Overvalued
URBNUndervalued (+1.7%)

Margin of Safety

+1.7%

Fair Value

$71.73

Current Price

$76.64

$4.91 discount

UndervaluedFair: $71.73Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GM4 strengths · Avg: 9.3/10
PEG RatioValuation
0.3510/10

Growing faster than its price suggests

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Market CapQuality
$76.31B9/10

Large-cap with strong market position

Free Cash FlowQuality
$4.41B8/10

Generating 4.4B in free cash flow

URBN3 strengths · Avg: 8.7/10
Altman Z-ScoreHealth
3.3210/10

Safe zone — low bankruptcy risk

P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

GM4 concerns · Avg: 3.5/10
P/E RatioValuation
38.7x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
1.9%4/10

1.9% revenue growth

Return on EquityProfitability
3.1%3/10

ROE of 3.1% — below average capital efficiency

Profit MarginProfitability
1.1%3/10

1.1% margin — thin

URBN2 concerns · Avg: 2.5/10
Profit MarginProfitability
7.5%3/10

7.5% margin — thin

Free Cash FlowQuality
$-177.76M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : GM

The strongest argument for GM centers on PEG Ratio, Price/Book, Market Cap. PEG of 0.35 suggests the stock is reasonably priced for its growth.

Bull Case : URBN

The strongest argument for URBN centers on Altman Z-Score, P/E Ratio, Price/Book. Revenue growth of 11.4% demonstrates continued momentum. PEG of 1.47 suggests the stock is reasonably priced for its growth.

Bear Case : GM

The primary concerns for GM are P/E Ratio, Revenue Growth, Return on Equity. Debt-to-equity of 2.06 is elevated, increasing financial risk. Thin 1.1% margins leave little buffer for downturns.

Bear Case : URBN

The primary concerns for URBN are Profit Margin, Free Cash Flow.

Key Dynamics to Monitor

GM carries more volatility with a beta of 1.33 — expect wider price swings.

URBN is growing revenue faster at 11.4% — sustainability is the question.

GM generates stronger free cash flow (4.4B), providing more financial flexibility.

Monitor AUTO MANUFACTURERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

URBN scores higher overall (63/100 vs 53/100) and 11.4% revenue growth. 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.

General Motors Company

CONSUMER CYCLICAL · AUTO MANUFACTURERS · USA

General Motors Company (GM) is an American multinational corporation headquartered in Detroit, Michigan that designs, manufactures, markets, and distributes vehicles and vehicle parts, and sells financial services, with global headquarters in Detroit's Renaissance Center.

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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