BJs Wholesale Club Holdings Inc (BJ)vsCoursera Inc (COUR)
BJ
BJs Wholesale Club Holdings Inc
$92.03
-1.40%
CONSUMER DEFENSIVE · Cap: $11.35B
COUR
Coursera Inc
$5.04
-2.14%
CONSUMER DEFENSIVE · Cap: $1.85B
Smart Verdict
WallStSmart Research — data-driven comparison
BJs Wholesale Club Holdings Inc generates 2476% more annual revenue ($22.81B vs $885.40M). BJ leads profitability with a 2.6% profit margin vs -15.4%. BJ earns a higher WallStSmart Score of 58/100 (C).
BJ
Buy58
out of 100
Grade: C
COUR
Hold41
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-62.6%
Fair Value
$61.21
Current Price
$92.03
$30.82 premium
Margin of Safety
+39.5%
Fair Value
$9.49
Current Price
$5.04
$4.45 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 23 in profit
15.7% revenue growth
Reasonable price relative to book value
Revenue surging 59.6% year-over-year
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
2.6% margin — thin
Operating margin of 4.0%
Elevated debt levels
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -10.1% — below average capital efficiency
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : BJ
The strongest argument for BJ centers on Altman Z-Score, Return on Equity, Revenue Growth. Revenue growth of 15.7% demonstrates continued momentum.
Bull Case : COUR
The strongest argument for COUR centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 59.6% demonstrates continued momentum.
Bear Case : BJ
The primary concerns for BJ are PEG Ratio, Profit Margin, Operating Margin. Thin 2.6% 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 growth stock while COUR is a hypergrowth play — different risk/reward profiles.
COUR carries more volatility with a beta of 1.23 — expect wider price swings.
COUR is growing revenue faster at 59.6% — sustainability is the question.
BJ generates stronger free cash flow (224M), providing more financial flexibility.
Bottom Line
BJ scores higher overall (58/100 vs 41/100) and 15.7% revenue growth. COUR offers better value entry with a 39.5% 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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