BJs Wholesale Club Holdings Inc (BJ)vsCoursera Inc (COUR)
BJ
BJs Wholesale Club Holdings Inc
$91.43
-0.82%
CONSUMER DEFENSIVE · Cap: $11.86B
COUR
Coursera Inc
$5.95
-2.62%
CONSUMER DEFENSIVE · Cap: $1.03B
Smart Verdict
WallStSmart Research — data-driven comparison
BJs Wholesale Club Holdings Inc generates 2673% more annual revenue ($21.46B vs $773.90M). BJ leads profitability with a 2.7% profit margin vs -8.2%. BJ earns a higher WallStSmart Score of 52/100 (C-).
BJ
Buy52
out of 100
Grade: C-
COUR
Hold37
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+24.9%
Fair Value
$132.45
Current Price
$91.43
$41.02 discount
Margin of Safety
+60.1%
Fair Value
$14.37
Current Price
$5.95
$8.42 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 29 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
3.5% earnings growth
2.7% margin — thin
Operating margin of 3.2%
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -10.3% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BJ
The strongest argument for BJ centers on Altman Z-Score, Return on Equity.
Bull Case : COUR
The strongest argument for COUR centers on Debt/Equity, Price/Book.
Bear Case : BJ
The primary concerns for BJ are PEG Ratio, EPS Growth, Profit Margin. Thin 2.7% margins leave little buffer for downturns.
Bear Case : COUR
The primary concerns for COUR are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
BJ profiles as a value stock while COUR is a turnaround play — different risk/reward profiles.
COUR carries more volatility with a beta of 1.35 — expect wider price swings.
COUR is growing revenue faster at 9.1% — sustainability is the question.
BJ generates stronger free cash flow (193M), providing more financial flexibility.
Bottom Line
BJ scores higher overall (52/100 vs 37/100). COUR offers better value entry with a 60.1% margin of safety. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
BJs Wholesale Club Holdings Inc
CONSUMER DEFENSIVE · DISCOUNT STORES · USA
BJ's Wholesale Club Holdings, Inc., operates warehouse clubs on the East Coast of the United States. The company is headquartered in Westborough, Massachusetts.
Coursera Inc
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA
Coursera, Inc. operates an online educational content platform that connects students, educators, and institutions. The company is headquartered in Mountain View, California.
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