# Urban Outfitters Inc (URBN) — Stock CV

Urban Outfitters Inc is a $7.04B consumer company. Revenue shrank 11.6% over the last year, it keeps 9¢ of every dollar of sales as profit, and its net debt equals ~1.3 years of free cash flow. It trades at 12.4× earnings — in the cheapest third of its own history.

> Founded in 1970, Philadelphia-based Urban Outfitters is a multibrand apparel and home goods retailer that operates approximately 800 stores and e-commerce platforms in the US, which accounts for about 87% of sales, as well as in other regions.

## Identity

- **Ticker**: URBN
- **Sector**: Consumer Cyclical
- **Industry**: Retail-Family Clothing Stores
- **Headquarters**: PHILADELPHIA, PA
- **Employees**: 31 000
- **Website**: https://www.urbn.com
- **Market cap**: $7.04B
- **Last price**: $82.18
- **Financial profile**: Strong

## Vitals (TTM)

- **Revenue**: $13.9B
- **Net income**: $1.29B
- **Free cash flow**: $385M
- **Net debt**: $497M
- **P/E**: 12.4
- **Revenue growth (YoY)**: -11.6%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 90 |
| Growth | 44 |
| Profitability | 57 |
| Health | 88 |
| Quality | 82 |
| Moat | 48 |

## Qualifications (beginner checklist) — 9 of 10 passed

- [ ] Revenue growing — -11.6% YoY
- [x] Profitable — $1.29B TTM
- [x] Profit growing — +44.0% YoY
- [x] Generates cash — $385M TTM
- [x] Debt under control — ~1.3y of cash flow to repay
- [x] Established company — $7.04B market cap
- [x] Not printing shares — -13.7% shares over ~5y
- [x] Proven track record — 11/12 profitable years
- [x] Financially stable — Altman Z 3.6 — safe
- [x] Valuation not extreme — P/E 12.4

## Experience (career milestones)

- **FY2026** — Best year on record: $1.31B net income
- **FY2022** — Revenue crossed $10B: $10.8B for the year
- **FY2016** — First recorded profitable year: $508M net income
- **FY2016** — Revenue already above $1B: $8.22B in first reported year

## Strengths

- Could repay net debt from ~1.6 years of free cash flow
- Interest covered 12.7× by operating earnings
- Piotroski F-Score 7/9 — fundamentally strong checklist
- Altman Z-Score 3.63 — low bankruptcy-risk zone

## Watch-outs

- Revenue shrinking 11.6% year over year

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2023 | $11.5B | $410M | -$497M |
| FY2024 | $12.3B | $737M | $575M |
| FY2025 | $14.1B | $1.13B | $571M |
| FY2026 | $15.2B | $1.31B | $382M |
| FY2027 | $4.62B | $472M | -$54.1M |

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Source: https://stockcv.com/URBN — derived from company filings; may be delayed or incomplete. Information, not investment advice.