COMPARE · Data as of August 21, 2026
FIVE vs URBN
Verdict: Side-by-side breakdown using the Bull Rankings model. FIVE scored 73.1, URBN scored 68.4 — FIVE leads.
Compare another set
FIVE
Five Below, Inc.
73.1
$250.24 · $13.8B
fundamentals as of
Score gap
4.7
FIVE leads
URBN
Urban Outfitters, Inc.
68.4
$74.24 · $6.4B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestURBN14.3x
- Fastest growthFIVE+25.9%
- Strongest balance sheetURBN0.46
- Highest qualityURBN75 / 100
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
FIVE
stronger →← stronger
URBN
73
Qualityreturns · margins · balance sheet
75
94
Growthrevenue & earnings expansion
85
57
Valuevaluation vs sector peers
50
FIVE is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
FIVE
URBN
$505mC+
FCF
$150mC
+25.9%A-
Rev
+11.2%B
0.86B
D/E
0.46B+
31.6xC
P/E
14.3xA-
0.98B+
PEG
1.38B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
FIVE
URBN
64% above
Price vs fair valuelower is cheaper
199% above
~18%/yr
Growth the price implies10-yr FCF · lower = less priced in
~36%/yr
-43%
1-yr DCF upside
-69%
-39%
5-yr DCF upside
-67%
-33%
10-yr DCF upside
-63%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
FIVE
Why this score
- Durable high returns
URBN
Why this score
- Buying back stock
- Durable high returns
The companies
FIVEFive Below, Inc.
Why now
Specialty Retail · market cap $13.8b. Trading near 52-week high of $251.63 — momentum setup, limited technical margin of safety. Revenue growing +26% — in hypergrowth territory. PEG 0.98 — paying under fair value for the growth rate. 21 sell-side analysts rate this a Buy with a mean 1-yr target of $269.81 (implying +8% upside).
Moat
ROE 19% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 115% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Trading within 1% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Trailing P/E 32x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates.
URBNUrban Outfitters, Inc.
Why now
Apparel Retail · market cap $6.4b. 12% off the 52-week high of $84.35. Revenue growing +11%, comfortably above the S&P median. 13 sell-side analysts rate this a Buy with a mean 1-yr target of $87.69 (implying +18% upside).
Moat
ROE 18% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately.
Risk
Value re-rating depends on a catalyst. Without one — analyst day, divestiture, margin recovery, capital return — the stock can stay cheap on these multiples for years.
Verdict — model-derived comparison
FIVE leads URBN by 6.2 points (73.1 to 66.9), its sharpest advantage coming in Rev (grade A-). A contrarian could still prefer URBN for its stronger P/E (grade A-). Note they play different roles — FIVE screens as growth, URBN screens as value — so the model rewards different traits for each.
Our AI analyst is busy right now, so this verdict is drawn directly from the pillars, grades and DCF above.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where FIVE and URBN diverge
On the headline score the gap is 4.7 points in favor of FIVE. The widest single difference is Growth, where FIVE leads by 9.0 points.
- GrowthFIVE 94.2 · URBN 85.2FIVE +9.0
- ValueFIVE 56.9 · URBN 50.1FIVE +6.8
- QualityFIVE 72.8 · URBN 75.1level
Pillars run 0–100 against sector peers, so a score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.