WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsFresh Del Monte Produce Inc (FDP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 415% more annual revenue ($21.97B vs $4.27B). BJ leads profitability with a 2.6% profit margin vs 1.6%. BJ appears more attractively valued with a PEG of 2.18. BJ earns a higher WallStSmart Score of 50/100 (C-).

BJ

Buy

50

out of 100

Grade: C-

Growth: 4.0Profit: 5.5Value: 4.0Quality: 5.5
Piotroski: 5/9Altman Z: 3.59

FDP

Hold

44

out of 100

Grade: D

Growth: 2.0Profit: 4.5Value: 4.0Quality: 8.0
Piotroski: 5/9Altman Z: 3.65
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-71.6%)

Margin of Safety

-71.6%

Fair Value

$58.00

Current Price

$89.21

$31.21 premium

UndervaluedFair: $58.00Overvalued
FDPSignificantly Overvalued (-30.8%)

Margin of Safety

-30.8%

Fair Value

$30.53

Current Price

$29.52

$1.01 premium

UndervaluedFair: $30.53Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BJ2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
3.5910/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
22.8%9/10

Every $100 of equity generates 23 in profit

FDP2 strengths · Avg: 10.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.6510/10

Safe zone — low bankruptcy risk

Areas to Watch

BJ4 concerns · Avg: 3.3/10
PEG RatioValuation
2.184/10

Expensive relative to growth rate

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

Operating MarginProfitability
3.7%3/10

Operating margin of 3.7%

Debt/EquityHealth
1.353/10

Elevated debt levels

FDP4 concerns · Avg: 3.3/10
PEG RatioValuation
2.354/10

Expensive relative to growth rate

Market CapQuality
$1.53B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.6%3/10

ROE of 3.6% — below average capital efficiency

Profit MarginProfitability
1.6%3/10

1.6% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

The strongest argument for BJ centers on Altman Z-Score, Return on Equity.

Bull Case : FDP

The strongest argument for FDP centers on Price/Book, Altman Z-Score.

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 : FDP

The primary concerns for FDP are PEG Ratio, Market Cap, Return on Equity. Thin 1.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

FDP carries more volatility with a beta of 0.29 — expect wider price swings.

BJ is growing revenue faster at 9.9% — sustainability is the question.

FDP generates stronger free cash flow (30M), providing more financial flexibility.

Monitor DISCOUNT STORES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BJ scores higher overall (50/100 vs 44/100). 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.

Fresh Del Monte Produce Inc

CONSUMER DEFENSIVE · FARM PRODUCTS · USA

Fresh Del Monte Produce Inc. produces, markets and distributes fresh and fresh cut fruits and vegetables in North America, Europe, the Middle East, Africa, Asia and internationally. The company is headquartered in George Town, Cayman Islands.

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