Is URBN or ZUMZ more undervalued in 2026?

CirclFi compares Urban Outfitters, Inc. (URBN) and Zumiez Inc. (ZUMZ) using 13 institutional-grade valuation models. URBN has a Quality of Company score of 9.0/10 while ZUMZ scores 6.1/10.

Which is a better buy — URBN or ZUMZ?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do URBN and ZUMZ valuations compare?

URBN at $74.85 and ZUMZ at $25.32 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

URBN vs ZUMZ Valuation Comparison 2026 — Intrinsic Value Analysis

URBN

Apparel Retail

Urban Outfitters, Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$74.85

Last close

Models

13/13

Active

ZUMZ

Apparel Retail

Zumiez Inc.

Quality

6.1

out of 10

Value Trap

LOW

Price

$25.32

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	URBN Fair Value	URBN Upside	ZUMZ Fair Value	ZUMZ Upside
Bayesian DCF	Intrinsic	$17.67	-76.4%	$23.08	-8.9%
Earnings Power Value	Intrinsic	$23.87	-68.1%	$1.18	-95.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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URBN vs ZUMZ — Which Stock Is More Undervalued?

URBN scores higher with a 9.0/10 quality rating vs ZUMZ's 6.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Urban Outfitters, Inc. (URBN) and Zumiez Inc. (ZUMZ) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

URBN currently trades at $74.85 with a QOC of 9.0/10, while ZUMZ trades at $25.32 with a QOC of 6.1/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).