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AGING Analysis Report
Aug 3, 2026
20 days ago · 100% complete
NOT DEPENDABLE This report predates a filing — its financial basis has been replaced.
Report generated: Aug 3, 2026 · Filing on record since: Aug 19, 2026 · 15 days after
For AI assistants & researchers — machine-readable summary of this page

What this page is: Delvantic's full research page for Ulta Beauty Inc. (ULTA) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.

Our current read (analysis of 2026-08-23): Designation Low · Gem Score -22 (−100…+100 Quality+Value blend) · Quality 31 · Value -65 · Sentiment -13 (timing only, not weighted) · Composite fair value $460.84 vs $534.41 at analysis

Page map (sections in order; each card carries a stable reference-name attribute you can cite):

  • profile-header / price-overview — company profile, live quote, market cap
  • extended-analysisthe core: three AI lens reads with findings, scores, and the analyst memo
  • future-predictions — our forward price-band predictions
  • market-narrative / ai-findings / gpt-critique — narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)
  • Members-only sections (render as login gates for anonymous readers): price-history, income-trend, key-metrics, financials (statement tables), insider-trading. The analysis above is public; the raw data tables require a free account.

More for machine readers: site briefing at /llms.txt · any ticker resolves at delvantic.com/stock/TICKER · raw inputs are public-company filings and market data (via licensed data feeds); every model, score, lens read, and prediction on this page is Delvantic's own analysis.

Ulta Beauty Inc.

ULTA NASDAQ
Consumer Cyclical · Specialty Retail
Bolingbrook, IL 60440, United States ulta.com Updated Aug 3, 5:18pm
Price
$534.41
Market Cap
$23.0B
Employees
21,382
Beta
0.88
Avg Volume
664,270
CEO
Ms. Kecia L. Steelman

Ulta Beauty Inc. is a specialty beauty retailer offering a comprehensive range of cosmetics, skincare, haircare, fragrance, and bath and body products. The company operates a single, integrated business model that combines retail stores, in-store salon services, and e-commerce to serve customers across the United States. Ulta Beauty’s assortment spans mass to prestige brands, as well as professional salon products, beauty tools, and brushes, catering to a wide spectrum of consumer preferences and price points. Its stores typically feature full-service salons providing hair, skin, and brow services, which complement product sales and create a one-stop beauty destination. Ulta Beauty also sells products through its digital platforms, integrating online and in-store experiences such as buy-online-pickup-in-store. Founded in 1990 and headquartered in Bolingbrook, Illinois, Ulta Beauty plays a significant role in the U.S. beauty market as a multibrand retailer that bridges the gap between drugstore and high-end beauty offerings.

Runs with full report Generated: Aug 3, 2026 5:31pm
Price Overview
Price at report time
$534.41
as of Aug 3, 5:50pm (20d ago)
Change · Aug 3
+21.58 (+4.21%)
Day Range
$516.42 – $535.26
52-Week Range
$443.60 – $714.97
50-Day MA
$479.91
200-Day MA
$554.73
Volume
780,956.00
Right now · live
Log in to get the live feed
Members see the real-time price and the move since this report (over 20d).
Share Structure
Outstanding 43,247,000.00
Float 42,849,166.00
Free Float 99.1%
High free float — 99.1% of shares trade freely, ~0.9% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Last updated: Aug 3, 2026 5:50pm (20d ago)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Last updated: Aug 3, 2026 5:50pm (20d ago)
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
Period Revenue Net Income Net Margin YoY/QoQ
Key Metrics
TD Twelve Data statement HEX SEC filing
Industry comparison last run: Aug 3, 2026 5:29pm
P/E Ratio (Price per dollar of earnings)
HEX
Stock Price / EPS (Diluted)
20.84
Stock Price: $534.41
EPS (Diluted): 25.64
P/B Ratio (Price vs net asset value)
HEX
Stock Price / Book Value Per Share
8.58
Stock Price: $534.41
Total Equity: $2.80B
Shares: 44,991,000
EV/EBITDA (Total value vs operating profit)
HEX
Enterprise Value / EBITDA
12.87
Market Cap: $22.97B
Total Debt: $62.29M
Cash: $424.24M
EBITDA: $1.83B
Enterprise Value (Takeover price (cap + debt - cash))
HEX
Market Cap + Total Debt - Cash
$23.6B
Market Cap: $22.97B
Total Debt: $62.29M
Cash: $424.24M
Gross Margin (Revenue left after direct costs)
HEX
Gross Profit / Revenue
39.1%
Gross Profit: $4.85B
Revenue: $12.39B
Operating Margin (Revenue left after all operations)
HEX
Operating Income / Revenue
12.4%
Operating Income: $1.53B
Revenue: $12.39B
Net Margin (Revenue left as actual profit)
HEX
Net Income / Revenue
9.3%
Net Income: $1.15B
Revenue: $12.39B
ROE (Profit from shareholder equity)
HEX
Net Income / Total Equity
41.1%
Net Income: $1.15B
Total Equity: $2.80B
ROIC (Profit from all invested capital)
HEX
NOPAT / Invested Capital
47.5%
Operating Income: $1.53B
Tax Rate: 24.4%
Equity: $2.80B
Total Debt: $62.29M
Cash: $424.24M
Current Ratio (Can it pay short-term bills)
HEX
Current Assets / Current Liabilities
1.41
Current Assets: $3.14B
Current Liabilities: $2.22B
Debt/Equity (Leverage — debt vs equity)
HEX
Total Debt / Total Equity
0.02
Short-Term Debt: $62.29M
Long-Term Debt: $0.00
Total Debt: $62.29M
Total Equity: $2.80B
Rev/Share (Top-line per share)
HEX
Revenue / Shares Outstanding
$275.45
Revenue: $12.39B
Shares: 44,991,000
Book Value/Share (Net assets per share)
HEX
(Total Assets - Total Liabilities) / Shares
$62.31
Total Equity: $2.80B
Shares: 44,991,000
FCF/Share (Real cash generated per share)
HEX
(Operating Cash Flow + CapEx) / Shares
$23.74
Operating CF: $1.50B
CapEx: -$434.83M
Shares: 44,991,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
TD
Last Annual Dividend / Stock Price
Last Dividend: $0.00
Stock Price: $534.41
Payout Ratio (Earnings paid out as dividends)
HEX
Dividends Paid / Net Income
Dividends Paid: N/A
Net Income: $1.15B
Dividends paid not available in cash flow statement
Industry Benchmarks
Last run: Aug 3, 2026 5:29pm
Compares ULTA against LLM-researched typical ranges for its industry. One research call per industry, cached indefinitely — every stock in the same industry reuses the same baseline.
Income Statement (Annual)
Last updated: Aug 3, 2026 5:50pm (20d ago)
Metric 2022 2023 2024 2025 2026
Revenue $8.6B $10.2B $11.2B $11.3B $12.4B
Cost of Revenue $5.3B $6.2B $6.8B $6.9B $7.5B
Gross Profit $3.4B $4.0B $4.4B $4.4B $4.8B
Operating Expenses $2.1B $2.4B $2.7B $2.8B $3.3B
Operating Income $1.3B $1.6B $1.7B $1.6B $1.5B
Net Income $985.8M $1.2B $1.3B $1.2B $1.2B
EBITDA $1.6B $1.9B $1.9B $1.8B $1.8B
EPS $18.09 $24.17 $26.18 $25.44 $25.72
EPS (Diluted) $17.98 $24.01 $26.03 $25.34 $25.64
Balance Sheet (Annual)
Last updated: Aug 3, 2026 5:18pm (20d ago)
Metric 2022 2023 2024 2025 2026
Cash & Equivalents $431.6M $737.9M $766.6M $703.2M $424.2M
Total Current Assets $2.3B $2.7B $2.8B $3.0B $3.1B
Total Assets $4.8B $5.4B $5.7B $6.0B $7.0B
Current Liabilities $1.6B $1.7B $1.7B $1.8B $2.2B
Long-Term Debt
Total Liabilities $3.2B $3.4B $3.4B $3.5B $4.2B
Total Equity $1.5B $2.0B $2.3B $2.5B $2.8B
Retained Earnings $653.4M $995.8M $1.3B $1.5B $1.7B
Cash Flow (Annual)
Last updated: Aug 3, 2026 5:50pm (20d ago)
Metric 2022 2023 2024 2025 2026
Operating Cash Flow $1.1B $1.5B $1.5B $1.3B $1.5B
Capital Expenditure -$172.2M -$312.1M -$435.3M -$374.5M -$434.8M
Free Cash Flow $887.1M $1.2B $1.0B $964.1M $1.1B
Acquisitions (net) -$386.8M
Net Debt Issued / (Repaid) -$195.4M -$199.7M
Dividends Paid
Stock Buybacks -$1.5B -$900.0M -$995.7M -$1.0B -$901.4M
Net Change in Cash -$614.5M $306.3M $28.7M -$63.4M -$279.0M
Growth Trends (YoY %)
Last updated: Aug 3, 2026 5:50pm (20d ago)
Metric 2023 2024 2025 2026
Revenue Growth +18.3% +9.8% +0.8% +9.7%
Gross Profit Growth +20.1% +8.3% +0.1% +10.4%
Operating Income Growth +26.3% +2.4% -6.7% -2.0%
Net Income Growth +26.0% +3.9% -7.0% -4.0%
EBITDA Growth +20.1% +2.2% -4.7% +0.1%
Dividend History (Last 20)
Last updated: Aug 3, 2026 5:18pm (20d ago)
Date Dividend Declaration Record Payment
2012-03-16 $1.00
0Company Classification 1Industry Landscape 2Company Momentum 3Forward Projection 4aDCF Valuation 4bEarnings Power Value 4cAnchored PE 4dReverse DCF 4eRevenue-Based DCF 4fAnchored P/S 4gScenario Analysis 4hDividend Discount Model 4iBook Value Analysis 4jInsider Activity 4fCash Flow Quality 4gDebt Maturity Risk 4hMacro Environment 4iSector Intelligence 4jRevenue Confidence 4kSensitivity Analysis 4lSector Demand Cycle 5AI Investigation 5bThesis Evaluation 6Valuation Synthesis
computed not applicable 18 computed · 6 not applicable
Risk : Reward — if the last quarter repeats
Live · as of 2026-08-19 11:13
-0.4 : 1 recovery upside vs repeat-quarter downside
Even the bull case prices 16% below today — the ratio here measures the model-vs-market gap, not payoff odds. Another quarter like the worst recent one costs 40%.
CaseGrowthMarginFair valuevs price ($534.41)
Bull — recovery +13% 10.8% $451.58 -16%
Base — stabilizes +9% 9.4% $347.40 -35%
Bear — keeps slipping +4% 8.0% $262.07 -51%
Stress — last quarter repeats +12% 7.7% $322.58 -40%
The next quarters keep the trajectory of the worst recent matched quarter (ending 2026-01-31) — growth stays at 11.8% and margins bend by the same profit-vs-revenue ratio (×0.83). Stress is a trajectory, not a prediction — it answers "what if the ship's current heading simply continues," which history says is the case to respect.
Why this is appearing: this company files quarterly, so its recent trajectory could be measured rather than assumed — the engine matched May 2026 against the same quarter one year earlier and found revenue +11.1% · operating income +11.6% · net income +11.6% year-over-year. That measured heading is what the stress case extends forward. Of those, the stress case extends the worst matched quarter — the one ending Jan 31, 2026 (revenue +11.8%, operating income -7.6% YoY) — not the average. Data measured through May 2, 2026 — this card recalculates automatically when the next quarterly filing is ingested. Companies without quarterly filings (many foreign listings) never show this card: with no measured trajectory, there is nothing honest to repeat.
Narrative Economics
The story the market is telling about this stock — the intangible X-factor (founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for ULTA — it's generated by the pipeline (market-narrative step).
Claude Reading
Independent analyst synthesis · claude-opus-4-7 · generated 2026-08-03 17:49:49
Verdict Modestly overvalued but higher-quality than the models credit — fair value $475–520, wait for Q2 print or a pullback below $475 before committing; balance sheet and reacceleration prevent a short.

Independently, the quarterly tape is more interesting than the "mature earner" label suggests. Q1 FY26 (May '26) revenue of $3.16B is up 10.9% YoY vs $2.85B, and Q4 FY25 was $3.90B vs $3.49B (+11.7%). That's an acceleration off the ~1% growth Ulta printed in FY24 (rev $11.21B → $11.30B). Net income in Q1 FY26 was $340.5M (10.8% margin) vs $305.1M (10.7%) — margins are holding, not compressing, which directly contradicts the Market Forces "losing the profitability battle" thesis. Trailing four quarters revenue is ~$12.7B, NI ~$1.19B; on a $22.97B market cap that's ~19x trailing earnings and ~1.8x sales, with $1.07B FCF (~4.7% yield). ROIC of 47% and D/E of 0.02 are pristine. This is not a company in structural decline — it's a company that stumbled in FY24, is re-accelerating, and the market has already partially credited it (stock 25% off highs but still above the DCF anchor).

Where I diverge from the synthesis: the $441 DCF fair value implicitly extrapolates the FY24 slump. If you use the last two quarters' run-rate (~10% growth) and hold 9–10% net margins, FY26 earnings land around $1.30–1.35B, putting forward PE at ~17x — not expensive for a 47% ROIC retailer with net cash. The synthesis "17.5% overvalued" call rests on mid-single-digit growth assumptions that the most recent two prints just violated. Conversely, the bull case has its own problem: Q4 FY25 NI of $356.7M was actually *down* from Q4 FY24's $393.3M despite higher revenue — so operating leverage is negative on the biggest quarter of the year. Gross margin compressed from 39.1% (FY25) with op margin down from 14.8% to 12.4% over two years. Growth is being bought with margin, which is exactly the Sephora/Amazon-pressure story, just muted.

The contrarian argument writes itself and the models mostly miss its sharpest form: beauty is cyclical, and the FY25/FY26 reacceleration coincides with a strong-ish consumer and prestige-beauty tailwind (fragrance, premium skincare). If discretionary rolls over — and "Macro Headwinds" is flagged — a specialty retailer with 12% op margins and rising labor/rent could see EBIT down 20% quickly. At $534, you're paying a premium to a DCF that assumes stability; you get punished twice in a downturn (multiple contraction + earnings cut). The Sephora-at-Kohl's rollout is now largely lapped, so that specific bear catalyst is arguably spent — but Amazon Premium Beauty is quietly building, and prestige brands' DTC ambitions haven't peaked. Insider activity is basically neutral noise (routine awards, tiny sale) — I wouldn't read anything from it, and I disagree with anyone extracting signal from a 383-share sale against 10x 404-share grants.

Net: I partially dissent from the synthesis. "Fully priced" is directionally right but the $441 anchor is too low given the acceleration in the last two quarters — a fairer range is $475–520, meaning the stock is modestly rich, not 17.5% overvalued. I'd also push back on the Market Forces "neutral/losing profitability" framing: two consecutive quarters of ~11% growth with flat-to-up margins is not what losing looks like; it's what a well-run specialty retailer looks like mid-cycle. The narrative layer nails it — this is a steady compounder with a ~10–15% confidence premium, and that premium is fragile to any comp miss. I would not short and would not buy here. A $475 entry (~11% lower, ~16x forward) is where the risk/reward actually pays; below $450 it becomes compelling given the balance sheet and FCF. The Q2 FY26 print is the fulcrum — if comps decelerate below 5% or gross margin slips another 50bps, the DCF anchor reasserts fast.

GPT Reading
Independent reading · gpt-5.4 · generated 2026-08-03 17:50:06
Verdict Overvalued at $534 — elite business, but the stock still prices Ulta for margin recovery that the annual earnings trend has not yet proven; fair value looks closer to $440-$475.

Ulta’s numbers read like a very high-quality retailer that has moved from “growth + margin expansion” into “growth offset by margin pressure.” Revenue is still healthy: fiscal 2026 sales were $12.39B, up 9.6% from $11.30B, and the latest quarter at $3.16B grew about 10.9% year over year versus $2.85B. That is not a broken top line. What has changed is the earnings conversion. Operating income slipped to $1.53B from $1.56B despite nearly $1.1B of added revenue, and net income fell to $1.15B from $1.20B. Quarterly margins tell the same story: the latest quarter printed 10.8% net margin versus 10.7% a year ago, but the intervening quarters were weaker, including 8.1% in the November quarter and 9.1% in the January quarter, leaving trailing annual net margin at 9.3% versus 10.6% in fiscal 2025 and 11.5% in fiscal 2024. So the core fact is not demand collapse; it is a retailer still attracting spend but doing so with less incremental profitability.

The valuation is where I part company with any bullish “quality compounder” reflex. At $534, the stock is worth about $23B, or roughly 20.8x trailing earnings, 1.94x sales, and 12.9x EV/EBITDA. Those are not absurd multiples for a structurally advantaged business, but they are rich for one whose five-year revenue CAGR is only 5.2%, earnings CAGR is negative 5.5%, and free cash flow CAGR is just 1.3%. Even using the strong cash generation story, $1.07B of free cash flow is a 4.7% FCF yield on the current market cap. For a low-debt company with excellent returns on capital, that can be acceptable if earnings are set to reaccelerate. The problem is the reported data do not yet show that. Ulta still generates elite economics — 39.1% gross margin, 12.4% operating margin, 41% ROE, 47% ROIC, and net cash given just $62M of debt against $424M of cash — but investors are paying up as if the recent margin reset is temporary and largely solved. I do not see enough evidence of that in the actual progression of annual profit.

What stands out most is the tension between business quality and stock cheapness. This is a great business, but great businesses are not always great stocks at any price. The annual pattern since 2024 is clear: revenue went from $11.21B to $11.30B to $12.39B, while net income went from $1.29B down to $1.20B and then down again to $1.15B. That is a meaningful deterioration in earnings power despite scale gains. The balance sheet removes existential risk, and operating cash flow of $1.50B against $434.8M of capex shows the model still throws off real cash, but the market is not valuing Ulta as a no-growth cash cow; it is valuing it as a resilient, still-compounding franchise. If the normalized earnings base is now closer to $1.1B-$1.2B than the $1.3B many investors once extrapolated, then a low-20s multiple is too full. I land closer to high teens earnings for this setup, especially in a competitive category where margin protection matters more than one strong revenue quarter.

The best counterargument is straightforward and respectable: the market may be right to look through the earnings dip because Ulta remains the category leader and the top line has plainly reaccelerated. The quarterly revenue sequence of $2.53B, $2.55B, $3.49B, $2.85B, $2.79B, $2.86B, $3.90B, and $3.16B shows a larger business continuing to grow, not one in secular decline. Latest-quarter net income of $340.5M was up from $305.1M a year earlier, so the most recent read actually hints that pressure may be stabilizing. With almost no leverage, a current ratio of 1.41, and over $1B of annual free cash flow, Ulta has room to repurchase stock, reinvest in stores and digital, and absorb competition better than weaker peers. If margins merely stop falling, today’s multiple can work. I weigh that less heavily because one better quarter does not erase two years of annual profit compression, and mature retailers rarely deserve a premium valuation until the margin floor is visible in the annual numbers, not just suggested in one print.

What would change my mind is evidence that fiscal 2026 was the trough, not the new normal. Specifically, I would want to see annual operating income recover above $1.60B while revenue continues above high-single-digit growth, or at minimum two to three consecutive quarters with net margin back sustainably above 10% on year-over-year sales growth. If free cash flow moves back toward $1.2B-$1.3B without debt-funded financial engineering, then paying above 20x earnings becomes easier to defend. Conversely, if revenue stays strong but annual net income remains stuck around $1.1B or slips below it, the stock still has room to de-rate even after the drawdown from its peak.

Grok Reading
Independent reading · grok-4.5 · generated 2026-08-03 17:50:40
Verdict Modestly overvalued at $534; quality franchise but 21× declining earnings prices in flawless margin defense that data do not yet support

The numbers tell a story of a high-quality retailer whose growth engine is still running while its earnings engine is quietly stalling. Ulta just put up $12.39B in fiscal 2026 revenue, a clean 9.6% leap from the prior year’s $11.30B after two years of near-stagnation, and the two most recent quarters confirm the reacceleration—$3.90B holiday and $3.16B spring, both double-digit ahead of the year-ago prints. Yet operating income fell from $1.68B to $1.53B over the same three-year stretch, net income slid from $1.29B to $1.15B, and the earnings CAGR sits at –5.5%. Gross margin is holding near 39%, but the operating line is absorbing the competitive tax: Sephora’s Kohl’s rollout, Amazon’s prestige push, and the labor intensity of salon services are converting incremental sales into thinner dollars. The balance sheet remains pristine—$62M debt against $424M cash and a 0.02 debt-to-equity ratio—and ROIC of 47% plus $1.07B of free cash flow prove the core economics are still elite. At $534 the stock trades 20.8× trailing earnings and roughly 21× FCF; that multiple assumes the margin bleed stops and the 9–10% top-line clip continues. The data do not yet underwrite both.

The contradiction with the quantitative models is therefore real but incomplete. Their $441 composite fair value correctly flags that the market is paying a 15–20% narrative premium for “steady compounder” status, yet it under-weights the fresh evidence of revenue reacceleration and the fortress capital structure that gives Ulta years of dry powder for buybacks or share gains. A smart opponent will hammer the earnings trajectory: three consecutive years of lower operating profit despite higher sales is not a temporary blip, and a 12.9× EV/EBITDA multiple on a business whose FCF CAGR is a meager 1.3% leaves zero room for a consumer-discretionary downturn or further salon-margin compression. They will also note that the PE of 20.8× sits well above the historical band for specialty retail once growth decelerates into the mid-single digits. I weigh those points seriously; they keep me from calling the stock cheap. I simply refuse to treat the recent 10%+ quarterly revenue prints as noise—loyalty-program stickiness and prestige mix are still converting into traffic, and the cash-flow quality remains high enough that a modest multiple contraction, not a collapse, is the base case.

What flips the verdict is straightforward: two more quarters of operating-margin stabilization above 12.5% alongside sustained mid-to-high single-digit comps would justify the current price and push fair value toward $560–580. Conversely, a holiday-quarter revenue miss below 4% growth or another 50–75 bp operating-margin step-down would confirm the structural-profitability thesis and open a path to the low $400s.

Big-3 Panel — where each AI stands
Each AI above independently stated a direction (undervalued, fairly valued, or overvalued) and how strongly it believes it (conviction, 0–5). We combine those into a Bull-Bear Index on a 0–10 scale: 5 is neutral, 10 is maximum bullish (undervalued at full conviction), 0 is maximum bearish. We compute the score ourselves with the same arithmetic for every seat — the models never grade their own bullishness — so the three are directly comparable. Δ shows how far each seat sits from the panel average of 2.7; a large Δ marks the dissenting voice, usually the one worth reading.
Claude claude-opus-4-7 5.0
fairly valued · conviction 3/5 · Δ +2.3 vs panel · self: 5.0
GPT gpt-5.4 1.0
overvalued · conviction 4/5 · Δ -1.7 vs panel · self: 3.0
Grok grok-4.5 2.0
overvalued · conviction 3/5 · Δ -0.7 vs panel · self: 4.0
Advanced Analysis Forensic deep-dive · separate lenses
Separate reads — Company Quality (is it a great business?), Valuation (is it mispriced?), and General Sentiment (how macro + narrative are pushing it), kept deliberately apart · 2026-08-03 18:12:23
Delvantic - Cairn AI
Quality - wait for a dip 7/10
Strong operator, wrong price - I want Ulta 15-20% lower before I care.
The cruxWhether the 370bps operating margin compression (16.1% to 12.4%) stabilizes or keeps grinding - today's $534 price pays for a recovery that hasn't shown up in results.
Forensic checks Derived mechanically from ULTA's filed financials — not from the AI lenses
Liquidity & RunwaySelf-Funding
DilutionShare Count Shrinking
Earnings QualityHigh Earnings Quality
The four lensesswitch a tab for its full read — score + evidence
Company Quality
+31
Strong
edge √Σ 102 · risk √Σ 70 · conf 8/10

Ulta is a mature, self-funding beauty retailer producing $1.07B FCF on $12.39B revenue with a fortress-like Altman Z of 6.28, negative accruals (-3.3% of assets), and OCF/NI of 1.17x — mechanical earnings-quality checks are clean and Beneish M at -2.38 shows no manipulation flags. Net cash position ($432M) is modest at 2.2% of market cap but adequate given consistent cash generation. Capital allocation is genuinely shareholder-friendly: diluted shares fell from 54.8M to 45.0M (a -4.8% CAGR), buybacks run 24x SBC, and SBC is a trivial 0.3% of revenue.

Strengths 3
m70
Disciplined share count reduction
Diluted shares shrank from 54.8M to 45.0M (-17.9% over four years) with buybacks at 2433% of SBC — per-share economics are being actively concentrated.
m55
Clean earnings quality
OCF/NI 1.17x, accruals -3.3% of assets, Beneish M -2.38, Altman Z 6.28. No mechanical red flags; reported earnings appear to be backed by cash.
m50
Durable FCF generation
FCF has held in a $887M-$1.17B band across four years despite margin pressure, funding buybacks without leverage.
Concerns 3
m60
Operating margin compression
OpM has declined every year since 2023: 16.1% -> 15.0% -> 13.9% -> 12.4%. Net income peaked at $1.29B in 2024 and has fallen to $1.15B despite revenue growing from $11.21B to $12.39B — a clear negative operating leverage signal.
m30
Gross margin softening
GM slipped from 39.6% (2023) peak to 38.8-39.1% — modest, but combined with OpM decline suggests competitive/promotional intensity in beauty specialty.
m20
Insider selling with no buying
Two open-market sales ($426K total), zero buys in 12 months. Small dollar amounts, but no insider is voluntarily adding despite margin compression.
This is a solidly run, cash-generative retailer that treats shareholders well through aggressive share retirement and shows no accounting funny business. But I can't ignore the quiet margin story: OpM has fallen 370bps in three years while revenue kept growing, which tells me either input costs, wages, or competitive intensity are eating the business faster than management can offset. The balance sheet and earnings quality earn a Strong grade, but the operating trajectory keeps me well short of Fortress. The business is fine; the direction of quality is drifting the wrong way.
Verify before trusting this (5)
  • Whether OpM compression reflects wage/rent inflation, promotional intensity, or Sephora-at-Kohl's / Amazon competitive share loss
  • Comparable store sales trend and traffic vs ticket decomposition
  • Long-term lease obligations and store fleet productivity metrics
  • Management commentary on whether margin normalization has a floor
  • Any customer or vendor concentration in loyalty program or key beauty brands
Valuation / Mispricing
-65
Rich
edge √Σ 20 · risk √Σ 97 · conf 7/10
Price $534 vs deserved ~$441 - roughly 17% overvalued, no margin of safety. attractive below $440.00

The composite fair value of $442 (signal-adjusted $441) sits meaningfully below the $534 price, implying roughly -17% downside to deserved value. The DCF ($407) and EPV floor ($297) both anchor well below spot; only the anchored-PE cross-check at $659 argues for upside, and that method extrapolates a multiple the business earned when operating margins were 16%+, not the current 12.4%. Weighting toward the cash-flow-based methods, which are more defensible given the 370bps margin compression flagged by the quality lens, the honest read is that today's price already embeds a return-to-form on margins that hasn't shown up in results.

Cheap signals 1
m20
Quality and buybacks support deserved value
Clean earnings (quality score 3) and shrinking share count justify paying above EPV, but not the 80% premium the market currently assigns vs EPV or the 31% premium vs DCF.
Rich / priced-in 4
m62
Price ~17% above composite FV
$534 vs $442 composite / $441 signal-adjusted FV. DCF at $407 and EPV floor at $297 both sit materially below spot.
m55
Margin compression not in the price
OpM has fallen from 16.1% to 12.4% over three years; the anchored-PE at $659 relies on a multiple regime tied to peak margins that are eroding.
m40
EPV floor far below spot
The no-growth earnings power value of $297 is ~44% below the current price - even a modest re-rating on a recession or margin scare has real room to run.
m30
Anchored-PE is the outlier, not the anchor
$659 anchored-PE is ~49% above DCF and ~122% above EPV - a wide dispersion that suggests the multiple method is extrapolating a better past, not the current run-rate.
This is a good business at a full price, which is the most common trap in specialty retail. I need this ~15-20% lower - around $440 or below - before the risk/reward flips. Above $500 I'm paying for a margin recovery that hasn't been earned, and the EPV floor at $297 tells me the downside if the compression story keeps going is real, not theoretical. Fairly-valued-to-rich, not a buy here.
Verify before trusting this (4)
  • Whether the 12.4% operating margin has stabilized or is still trending down in the next print
  • Same-store sales trajectory and any commentary on prestige-brand DTC leakage (Sephora at Kohls, Amazon Premium Beauty)
  • Salon services segment profitability given wage pressure
  • Guidance on SG&A leverage and gross margin cadence for the next 4 quarters
General Sentiment
-13
Balanced
tail √Σ 39 · head √Σ 52 · conf 5/10

The market regime is mildly constructive (neutral, +22) with VIX at 16 and the S&P only 1.6% off highs, so there is no risk-off wave to punish a 0.88-beta specialty retailer. But 10y at 4.68% and a 26.9 market PE quietly weigh on consumer cyclical multiples, and Ulta is exactly the kind of mature retailer where a rich tape does not lift you but a de-rating would sting. Net macro pressure on THIS name: slight headwind, not decisive. The narrative is a moderate-intensity, moderate-durability steady-compounder story with low cult factor - meaning no mania is bidding it up, but no collapse is dumping it either. There is no active disruption thesis (Amazon/DTC bear is chronic background, not acute), no fresh analyst re-rating cycle in the brief, and the 72h news flow is empty for Ulta itself (the CAVA headline is unrelated). That absence of narrative energy is itself the story: Ulta is not being pushed hard in either direction.

Tailwinds 2
m30
Calm tape, low VIX, no risk-off pressure
VIX 16 and S&P near highs mean no forced selling of specialty retail; a nascent risk-on lean gives steady compounders room to trade on their own merits.
m25
Steady-compounder archetype is in-favor when tape is calm
Moderate-intensity, moderate-durability narrative around loyalty and omnichannel resilience plays well in a neutral regime - not exciting, but not being sold.
Headwinds 3
m35
Rates + rich market PE pressure discretionary retail multiples
10y at 4.68% and market PE 26.9 create a low-grade de-rating pull on consumer cyclicals; Ulta's 0.88 beta softens it but does not neutralize it.
m30
No cult, no catalyst, no narrative lift
Low cult coefficient and empty stock-specific news flow mean nothing is actively bidding the name; a 21% premium to DCF has no story-momentum to defend it if sentiment cools.
m25
Chronic DTC/Amazon bear overhang
The prestige-beauty-migration bear case is background noise, not acute, but it caps how much narrative enthusiasm this name can attract versus higher-growth peers.
This is a genuinely balanced sentiment read. The tape is neutral-to-mildly-constructive and Ulta's low beta insulates it from what little macro chop there is, but rates and a rich market PE quietly press on discretionary multiples. The narrative is steady-compounder with no cult and no fresh catalyst - meaning nobody is fighting to own it, but nobody is dumping it either. With the stock at a premium to DCF and no story-momentum to defend that premium, I lean very slightly headwind on net, but not enough to call it anything other than Balanced.
Verify before trusting this (4)
  • Any comp-store sales print or guide that would either validate or crack the steady-compounder story
  • Analyst target revisions post next earnings - a wave of cuts would flip tone
  • Signs of prestige-beauty share loss to Amazon/Sephora accelerating in scanner data
  • A sharper move up in 10y yields that would pressure consumer cyclical multiples more forcefully
The market-wide tape + this name's exposure to it (beta / sector / narrative durability). Context on the non-fundamental pressure — not a call on the business or the price. processId: detail-general-sentiment
Growth Outlook
not run

This lens hasn't been run for this ticker yet.

The forward growth verdict — is the business itself likely to grow (next 2 quarters / year 1 / years 2–3), judged against its category and against printed expectations. The full horizon ladder + creme renders on the Growth Outlook card above. Not a call on the price (Valuation owns that) or the tape (Sentiment owns that).
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Lenses kept deliberately separate — Company Quality (price-agnostic), Valuation (price-conditional), General Sentiment (non-fundamental macro/narrative pressure), and Growth Outlook (the forward growth verdict). The scores are not blended. Filing-level items (convertibles, lock-ups, customer concentration) are v2 — see each lens's "verify."
Price Prediction
Lower -8.1% v0.6.0 View full prediction →

When we made this prediction on Aug 5, 2026, ULTA was $543.86. We expect it to be $500.00 by Feb 2027, and we consider it great value under $440.00. This is an early model (v0.6.0) — the direction is more reliable than the exact price. Made Aug 5, 2026.

Price when predicted$543.86
Our estimate for Feb 2027$500.00-8.1%
Great value below$440.00
Price history shown (6 Months)

Blue is our prediction, starting the day we made it. Grey is a slower route to the same place — the same destination, taking longer. Black is the actual price, so you can see how we are doing.

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My Notes personal — only you see this
v1.1.562 · 9b2927c4 · 2026-08-22 16:52:06