WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsFranklin Covey Company (FC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 8582% more annual revenue ($22.81B vs $262.75M). BJ leads profitability with a 2.6% profit margin vs 0.8%. FC appears more attractively valued with a PEG of 1.12. BJ earns a higher WallStSmart Score of 58/100 (C).

BJ

Buy

58

out of 100

Grade: C

Growth: 6.7Profit: 5.5Value: 4.0Quality: 5.5
Piotroski: 5/9Altman Z: 3.58

FC

Hold

40

out of 100

Grade: F

Growth: 3.3Profit: 4.5Value: 4.0Quality: 5.3
Piotroski: 4/9Altman Z: 2.00
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-62.6%)

Margin of Safety

-62.6%

Fair Value

$61.20

Current Price

$91.49

$30.29 premium

UndervaluedFair: $61.20Overvalued
FCFair Value (-3.6%)

Margin of Safety

-3.6%

Fair Value

$18.09

Current Price

$17.96

$0.13 premium

UndervaluedFair: $18.09Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BJ3 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.5810/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
22.9%9/10

Every $100 of equity generates 23 in profit

Revenue GrowthGrowth
15.7%8/10

15.7% revenue growth

FC0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

BJ4 concerns · Avg: 3.3/10
PEG RatioValuation
2.194/10

Expensive relative to growth rate

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

Debt/EquityHealth
1.263/10

Elevated debt levels

FC4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

Market CapQuality
$230.62M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

P/E RatioValuation
130.1x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull 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 : FC

PEG of 1.12 suggests the stock is reasonably priced for its growth.

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 : FC

The primary concerns for FC are Revenue Growth, Market Cap, Profit Margin. A P/E of 130.1x leaves little room for execution misses. Thin 0.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

BJ profiles as a growth stock while FC is a value play — different risk/reward profiles.

FC carries more volatility with a beta of 0.77 — expect wider price swings.

BJ is growing revenue faster at 15.7% — sustainability is the question.

BJ generates stronger free cash flow (224M), providing more financial flexibility.

Bottom Line

BJ scores higher overall (58/100 vs 40/100) and 15.7% revenue growth. 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.

Franklin Covey Company

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Franklin Covey Co. provides training and consulting services in the areas of execution, sales performance, productivity, customer loyalty, leadership, and educational improvement for organizations and individuals globally. The company is headquartered in Salt Lake City, Utah.

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