BJs Wholesale Club Holdings Inc (BJ)vsLincoln Educational Services (LINC)
BJ
BJs Wholesale Club Holdings Inc
$91.49
+2.05%
CONSUMER DEFENSIVE · Cap: $11.35B
LINC
Lincoln Educational Services
$25.02
+2.63%
CONSUMER DEFENSIVE · Cap: $808.26M
Smart Verdict
WallStSmart Research — data-driven comparison
BJs Wholesale Club Holdings Inc generates 3897% more annual revenue ($22.81B vs $570.78M). LINC leads profitability with a 4.0% profit margin vs 2.6%. LINC appears more attractively valued with a PEG of 1.72. BJ earns a higher WallStSmart Score of 58/100 (C).
BJ
Buy58
out of 100
Grade: C
LINC
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-62.6%
Fair Value
$61.20
Current Price
$91.49
$30.29 premium
Intrinsic value data unavailable for LINC.
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
Revenue surging 22.4% year-over-year
Earnings expanding 20.0% YoY
Areas to Watch
Expensive relative to growth rate
2.6% margin — thin
Operating margin of 4.0%
Elevated debt levels
Expensive relative to growth rate
Premium valuation, high expectations priced in
Grey zone — moderate risk
Smaller company, higher risk/reward
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 : LINC
The strongest argument for LINC centers on Revenue Growth, EPS Growth. Revenue growth of 22.4% 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 : LINC
The primary concerns for LINC are PEG Ratio, P/E Ratio, Altman Z-Score. Thin 4.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
LINC carries more volatility with a beta of 0.85 — expect wider price swings.
LINC is growing revenue faster at 22.4% — sustainability is the question.
BJ generates stronger free cash flow (224M), providing more financial flexibility.
Monitor DISCOUNT STORES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BJ scores higher overall (58/100 vs 56/100) and 15.7% revenue growth. Both earn "Buy" and "Buy" 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.
Lincoln Educational Services
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA
Lincoln Educational Services Corporation offers various career-oriented postsecondary education services to high school graduates and working adults in the United States. The company is headquartered in West Orange, New Jersey.
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