WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsFour Seasons Education Cayman (FEDU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 8099% more annual revenue ($21.46B vs $261.70M). FEDU leads profitability with a 3.4% profit margin vs 2.7%. FEDU trades at a lower P/E of 16.8x. BJ earns a higher WallStSmart Score of 52/100 (C-).

BJ

Buy

52

out of 100

Grade: C-

Growth: 4.7Profit: 6.0Value: 6.0Quality: 5.8
Piotroski: 5/9Altman Z: 3.87

FEDU

Hold

48

out of 100

Grade: D+

Growth: 6.7Profit: 4.0Value: 7.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJUndervalued (+24.9%)

Margin of Safety

+24.9%

Fair Value

$132.45

Current Price

$91.43

$41.02 discount

UndervaluedFair: $132.45Overvalued
FEDUUndervalued (+86.3%)

Margin of Safety

+86.3%

Fair Value

$73.48

Current Price

$11.00

$62.48 discount

UndervaluedFair: $73.48Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BJ2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
3.8710/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
28.6%9/10

Every $100 of equity generates 29 in profit

FEDU3 strengths · Avg: 9.3/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
358.6%10/10

Earnings expanding 358.6% YoY

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Areas to Watch

BJ4 concerns · Avg: 3.5/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

EPS GrowthGrowth
3.5%4/10

3.5% earnings growth

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

FEDU3 concerns · Avg: 3.0/10
Market CapQuality
$21.65M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.7%3/10

ROE of 1.7% — below average capital efficiency

Profit MarginProfitability
3.4%3/10

3.4% 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 : FEDU

The strongest argument for FEDU centers on Price/Book, EPS Growth, P/E Ratio.

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 : FEDU

The primary concerns for FEDU are Market Cap, Return on Equity, Profit Margin. Thin 3.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

BJ carries more volatility with a beta of 0.33 — expect wider price swings.

FEDU is growing revenue faster at 7.9% — sustainability is the question.

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

Bottom Line

BJ scores higher overall (52/100 vs 48/100). FEDU offers better value entry with a 86.3% 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.

Four Seasons Education Cayman

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · China

Four Seasons Education (Cayman) Inc., provides after-school education services that focus on mathematics education for kindergarten, elementary, and high school students in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.

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