WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsThe J. M. Smucker Company (SJM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 143% more annual revenue ($21.97B vs $9.05B). BJ leads profitability with a 2.6% profit margin vs -1.5%. SJM appears more attractively valued with a PEG of 1.68. 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

SJM

Hold

48

out of 100

Grade: D+

Growth: 4.0Profit: 4.5Value: 5.0Quality: 3.5
Piotroski: 4/9Altman Z: 0.70
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
SJMUndervalued (+14.0%)

Margin of Safety

+14.0%

Fair Value

$129.14

Current Price

$103.54

$25.60 discount

UndervaluedFair: $129.14Overvalued

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

SJM1 strengths · Avg: 8.0/10
Price/BookValuation
2.1x8/10

Reasonable price relative to book value

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

SJM4 concerns · Avg: 2.8/10
PEG RatioValuation
1.684/10

Expensive relative to growth rate

Debt/EquityHealth
1.423/10

Elevated debt levels

Return on EquityProfitability
-24.0%2/10

ROE of -24.0% — below average capital efficiency

EPS GrowthGrowth
-2.6%2/10

Earnings declined 2.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

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

Bull Case : SJM

The strongest argument for SJM centers on Price/Book.

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 : SJM

The primary concerns for SJM are PEG Ratio, Debt/Equity, Return on Equity.

Key Dynamics to Monitor

BJ profiles as a value stock while SJM is a turnaround play — different risk/reward profiles.

SJM carries more volatility with a beta of 0.26 — expect wider price swings.

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

SJM generates stronger free cash flow (487M), providing more financial flexibility.

Bottom Line

BJ scores higher overall (50/100 vs 48/100). 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.

The J. M. Smucker Company

CONSUMER DEFENSIVE · PACKAGED FOODS · USA

The J. M. Smucker Company, also known as Smucker and Smucker's, is an American manufacturer of jam, peanut butter, jelly, fruit syrups, beverages, shortening, ice cream toppings, and other products in North America. Smucker's headquarters are located in Orrville, Ohio.

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