Apparel - Retail
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5 / 10Stock Comparison
VSCO vs HAFC vs AEO vs HOPE vs ANF
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Apparel - Retail
Banks - Regional
Apparel - Retail
VSCO vs HAFC vs AEO vs HOPE vs ANF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Apparel - Retail | Banks - Regional | Apparel - Retail | Banks - Regional | Apparel - Retail |
| Market Cap | $3.80B | $908M | $2.82B | $1.60B | $3.60B |
| Revenue (TTM) | $6.39B | $445M | $5.50B | $968M | $5.27B |
| Net Income (TTM) | $171M | $76M | $192M | $59M | $507M |
| Gross Margin | 36.7% | 57.5% | 33.0% | 48.6% | 58.6% |
| Operating Margin | 4.9% | 24.3% | 6.0% | 8.3% | 13.4% |
| Forward P/E | 17.4x | 9.6x | 12.1x | 11.7x | 8.0x |
| Total Debt | $2.70B | $280M | $1.73B | $396M | $1.17B |
| Cash & Equiv. | $227M | $213M | $239M | $560M | $760M |
VSCO vs HAFC vs AEO vs HOPE vs ANF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jul 21 | May 26 | Return |
|---|---|---|---|
| Victoria's Secret &… (VSCO) | 100 | 106.2 | +6.2% |
| Hanmi Financial Cor… (HAFC) | 100 | 166.6 | +66.6% |
| American Eagle Outf… (AEO) | 100 | 48.3 | -51.7% |
| Hope Bancorp, Inc. (HOPE) | 100 | 94.5 | -5.5% |
| Abercrombie & Fitch… (ANF) | 100 | 207.6 | +107.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: VSCO vs HAFC vs AEO vs HOPE vs ANF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
VSCO ranks third and is worth considering specifically for momentum.
- +147.1% vs ANF's +12.7%
HAFC carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 5 yrs, beta 0.92, yield 3.6%
- Lower volatility, beta 0.92, Low D/E 35.2%, current ratio 49.21x
- Beta 0.92, yield 3.6%, current ratio 49.21x
- NIM 3.0% vs HOPE's 2.5%
AEO lags the leaders in this set but could rank higher in a more targeted comparison.
Among these 5 stocks, HOPE doesn't own a clear edge in any measured category.
ANF is the #2 pick in this set and the best alternative if growth exposure and long-term compounding is your priority.
- Rev growth 6.4%, EPS growth -2.2%, 3Y rev CAGR 12.5%
- 219.7% 10Y total return vs HAFC's 76.5%
- 6.4% revenue growth vs HOPE's -3.2%
- Lower P/E (8.0x vs 12.1x)
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 6.4% revenue growth vs HOPE's -3.2% | |
| Value | Lower P/E (8.0x vs 12.1x) | |
| Quality / Margins | 17.1% margin vs VSCO's 2.7% | |
| Stability / Safety | Beta 0.92 vs VSCO's 2.23, lower leverage | |
| Dividends | 3.6% yield, 5-year raise streak, vs HOPE's 4.4%, (3 stocks pay no dividend) | |
| Momentum (1Y) | +147.1% vs ANF's +12.7% | |
| Efficiency (ROA) | 15.1% ROA vs HOPE's 0.3%, ROIC 31.4% vs 2.3% |
VSCO vs HAFC vs AEO vs HOPE vs ANF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
VSCO vs HAFC vs AEO vs HOPE vs ANF — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
ANF leads in 3 of 6 categories
HAFC leads 2 • VSCO leads 0 • AEO leads 0 • HOPE leads 0 • 1 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
HAFC leads this category, winning 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
VSCO is the larger business by revenue, generating $6.4B annually — 14.4x HAFC's $445M. HAFC is the more profitable business, keeping 17.1% of every revenue dollar as net income compared to VSCO's 2.7%. On growth, AEO holds the edge at +9.7% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $6.4B | $445M | $5.5B | $968M | $5.3B |
| EBITDAEarnings before interest/tax | $561M | $110M | $546M | $84M | $862M |
| Net IncomeAfter-tax profit | $171M | $76M | $192M | $59M | $507M |
| Free Cash FlowCash after capex | $309M | $204M | $25M | $147M | $378M |
| Gross MarginGross profit ÷ Revenue | +36.7% | +57.5% | +33.0% | +48.6% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +4.9% | +24.3% | +6.0% | +8.3% | +13.4% |
| Net MarginNet income ÷ Revenue | +2.7% | +17.1% | +3.5% | +6.0% | +9.6% |
| FCF MarginFCF ÷ Revenue | +4.8% | +45.8% | +0.5% | +15.6% | +7.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +9.3% | — | +9.7% | — | +5.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +35.2% | +20.7% | -7.4% | +35.0% | +3.1% |
Valuation Metrics
ANF leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
At 7.5x trailing earnings, ANF trades at a 72% valuation discount to HOPE's 27.2x P/E. On an enterprise value basis, ANF's 4.7x EV/EBITDA is more attractive than HOPE's 17.2x.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $3.8B | $908M | $2.8B | $1.6B | $3.6B |
| Enterprise ValueMkt cap + debt − cash | $6.3B | $976M | $4.3B | $1.4B | $4.0B |
| Trailing P/EPrice ÷ TTM EPS | 23.31x | 12.10x | 15.27x | 27.22x | 7.51x |
| Forward P/EPrice ÷ next-FY EPS est. | 17.37x | 9.61x | 12.06x | 11.70x | 7.98x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.95x | — | — | — |
| EV / EBITDAEnterprise value multiple | 11.09x | 8.59x | 7.99x | 17.18x | 4.68x |
| Price / SalesMarket cap ÷ Revenue | 0.61x | 2.04x | 0.51x | 1.66x | 0.68x |
| Price / BookPrice ÷ Book value/share | 5.78x | 1.15x | 1.73x | 0.71x | 2.68x |
| Price / FCFMarket cap ÷ FCF | 15.40x | 4.46x | — | 10.58x | 9.52x |
Profitability & Efficiency
ANF leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
ANF delivers a 38.5% return on equity — every $100 of shareholder capital generates $39 in annual profit, vs $3 for HOPE. HOPE carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to VSCO's 4.06x. On the Piotroski fundamental quality scale (0–9), HAFC scores 9/9 vs AEO's 2/9, reflecting strong financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +24.9% | +9.8% | +12.1% | +2.6% | +38.5% |
| ROA (TTM)Return on assets | +3.6% | +1.0% | +4.8% | +0.3% | +15.1% |
| ROICReturn on invested capital | +7.7% | +7.4% | +8.1% | +2.3% | +31.4% |
| ROCEReturn on capital employed | +10.1% | +2.5% | +10.7% | +0.9% | +30.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 9 | 2 | 6 | 5 |
| Debt / EquityFinancial leverage | 4.06x | 0.35x | 1.02x | 0.17x | 0.82x |
| Net DebtTotal debt minus cash | $2.5B | $68M | $1.5B | -$164M | $409M |
| Cash & Equiv.Liquid assets | $227M | $213M | $239M | $560M | $760M |
| Total DebtShort + long-term debt | $2.7B | $280M | $1.7B | $396M | $1.2B |
| Interest CoverageEBIT ÷ Interest expense | 4.24x | 0.62x | 75.18x | 0.17x | 302.38x |
Total Returns (Dividends Reinvested)
ANF leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ANF five years ago would be worth $19,266 today (with dividends reinvested), compared to $5,188 for AEO. Over the past 12 months, VSCO leads with a +147.1% total return vs ANF's +12.7%. The 3-year compound annual growth rate (CAGR) favors ANF at 49.9% vs AEO's 10.4% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | -10.9% | +15.2% | -35.9% | +15.3% | -36.6% |
| 1-Year ReturnPast 12 months | +147.1% | +36.9% | +53.4% | +30.4% | +12.7% |
| 3-Year ReturnCumulative with dividends | +77.4% | +137.2% | +34.4% | +80.7% | +237.1% |
| 5-Year ReturnCumulative with dividends | +11.9% | +64.7% | -48.1% | -2.0% | +92.7% |
| 10-Year ReturnCumulative with dividends | +11.9% | +76.5% | +45.6% | +18.8% | +219.7% |
| CAGR (3Y)Annualised 3-year return | +21.0% | +33.4% | +10.4% | +21.8% | +49.9% |
Risk & Volatility
HAFC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
HAFC is the less volatile stock with a 0.92 beta — it tends to amplify market swings less than VSCO's 2.23 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. HAFC currently trades 97.2% from its 52-week high vs AEO's 58.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.23x | 0.92x | 2.08x | 1.10x | 1.42x |
| 52-Week HighHighest price in past year | $66.89 | $31.27 | $28.46 | $13.02 | $133.11 |
| 52-Week LowLowest price in past year | $17.53 | $21.84 | $9.27 | $9.44 | $65.45 |
| % of 52W HighCurrent price vs 52-week peak | +71.1% | +97.2% | +58.5% | +96.2% | +59.0% |
| RSI (14)Momentum oscillator 0–100 | 51.4 | 64.1 | 40.8 | 59.1 | 33.0 |
| Avg Volume (50D)Average daily shares traded | 2.3M | 265K | 5.2M | 902K | 1.2M |
Analyst Outlook
Evenly matched — HAFC and HOPE each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: VSCO as "Buy", HAFC as "Hold", AEO as "Hold", HOPE as "Hold", ANF as "Hold". Consensus price targets imply 53.9% upside for ANF (target: $121) vs 15.2% for HAFC (target: $35). For income investors, HOPE offers the higher dividend yield at 4.39% vs HAFC's 3.57%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold | Hold | Hold | Hold |
| Price TargetConsensus 12-month target | $55.67 | $35.00 | $24.83 | $14.50 | $120.80 |
| # AnalystsCovering analysts | 14 | 11 | 52 | 6 | 55 |
| Dividend YieldAnnual dividend ÷ price | — | +3.6% | — | +4.4% | — |
| Dividend StreakConsecutive years of raises | — | 5 | 2 | 0 | 0 |
| Dividend / ShareAnnual DPS | — | $1.09 | — | $0.55 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +1.0% | 0.0% | 0.0% | +12.5% |
ANF leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). HAFC leads in 2 (Income & Cash Flow, Risk & Volatility). 1 tied.
VSCO vs HAFC vs AEO vs HOPE vs ANF: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is VSCO or HAFC or AEO or HOPE or ANF a better buy right now?
For growth investors, Abercrombie & Fitch Co.
(ANF) is the stronger pick with 6. 4% revenue growth year-over-year, versus -3. 2% for Hope Bancorp, Inc. (HOPE). Abercrombie & Fitch Co. (ANF) offers the better valuation at 7. 5x trailing P/E (8. 0x forward), making it the more compelling value choice. Analysts rate Victoria's Secret & Co. (VSCO) a "Buy" — based on 14 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — VSCO or HAFC or AEO or HOPE or ANF?
On trailing P/E, Abercrombie & Fitch Co.
(ANF) is the cheapest at 7. 5x versus Hope Bancorp, Inc. at 27. 2x. On forward P/E, Abercrombie & Fitch Co. is actually cheaper at 8. 0x.
03Which is the better long-term investment — VSCO or HAFC or AEO or HOPE or ANF?
Over the past 5 years, Abercrombie & Fitch Co.
(ANF) delivered a total return of +92. 7%, compared to -48. 1% for American Eagle Outfitters, Inc. (AEO). Over 10 years, the gap is even starker: ANF returned +219. 7% versus VSCO's +11. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — VSCO or HAFC or AEO or HOPE or ANF?
By beta (market sensitivity over 5 years), Hanmi Financial Corporation (HAFC) is the lower-risk stock at 0.
92β versus Victoria's Secret & Co. 's 2. 23β — meaning VSCO is approximately 142% more volatile than HAFC relative to the S&P 500. On balance sheet safety, Hope Bancorp, Inc. (HOPE) carries a lower debt/equity ratio of 17% versus 4% for Victoria's Secret & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — VSCO or HAFC or AEO or HOPE or ANF?
By revenue growth (latest reported year), Abercrombie & Fitch Co.
(ANF) is pulling ahead at 6. 4% versus -3. 2% for Hope Bancorp, Inc. (HOPE). On earnings-per-share growth, the picture is similar: Victoria's Secret & Co. grew EPS 46. 8% year-over-year, compared to -43. 9% for Hope Bancorp, Inc.. Over a 3-year CAGR, ANF leads at 12. 5% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — VSCO or HAFC or AEO or HOPE or ANF?
Hanmi Financial Corporation (HAFC) is the more profitable company, earning 17.
1% net margin versus 2. 6% for Victoria's Secret & Co. — meaning it keeps 17. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HAFC leads at 24. 3% versus 5. 0% for VSCO. At the gross margin level — before operating expenses — ANF leads at 58. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is VSCO or HAFC or AEO or HOPE or ANF more undervalued right now?
On forward earnings alone, Abercrombie & Fitch Co.
(ANF) trades at 8. 0x forward P/E versus 17. 4x for Victoria's Secret & Co. — 9. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ANF: 53. 9% to $120. 80.
08Which pays a better dividend — VSCO or HAFC or AEO or HOPE or ANF?
In this comparison, HOPE (4.
4% yield), HAFC (3. 6% yield) pay a dividend. VSCO, AEO, ANF do not pay a meaningful dividend and should not be held primarily for income.
09Is VSCO or HAFC or AEO or HOPE or ANF better for a retirement portfolio?
For long-horizon retirement investors, Hanmi Financial Corporation (HAFC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
92), 3. 6% yield). Victoria's Secret & Co. (VSCO) carries a higher beta of 2. 23 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (HAFC: +76. 5%, VSCO: +11. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between VSCO and HAFC and AEO and HOPE and ANF?
These companies operate in different sectors (VSCO (Consumer Cyclical) and HAFC (Financial Services) and AEO (Consumer Cyclical) and HOPE (Financial Services) and ANF (Consumer Cyclical)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: VSCO is a small-cap quality compounder stock; HAFC is a small-cap deep-value stock; AEO is a small-cap deep-value stock; HOPE is a small-cap income-oriented stock; ANF is a small-cap deep-value stock. HAFC, HOPE pay a dividend while VSCO, AEO, ANF do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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