BJs Wholesale Club Holdings Inc (BJ)vsUnited-Guardian Inc (UG)
BJ
BJs Wholesale Club Holdings Inc
$91.49
+2.05%
CONSUMER DEFENSIVE · Cap: $11.35B
UG
United-Guardian Inc
$7.17
-0.28%
CONSUMER DEFENSIVE · Cap: $32.78M
Smart Verdict
WallStSmart Research — data-driven comparison
BJs Wholesale Club Holdings Inc generates 203455% more annual revenue ($22.81B vs $11.21M). UG leads profitability with a 22.0% profit margin vs 2.6%. UG appears more attractively valued with a PEG of 1.13. UG earns a higher WallStSmart Score of 65/100 (B-).
BJ
Buy58
out of 100
Grade: C
UG
Strong Buy65
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-62.6%
Fair Value
$61.20
Current Price
$91.49
$30.29 premium
Margin of Safety
+36.8%
Fair Value
$10.43
Current Price
$7.17
$3.26 discount
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
Safe zone — low bankruptcy risk
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 24.3%
Areas to Watch
Expensive relative to growth rate
2.6% margin — thin
Operating margin of 4.0%
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
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 : UG
The strongest argument for UG centers on Altman Z-Score, Profit Margin, P/E Ratio. Profitability is solid with margins at 22.0% and operating margin at 24.3%. PEG of 1.13 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 : UG
The primary concerns for UG are Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
BJ profiles as a growth stock while UG is a mature play — different risk/reward profiles.
UG carries more volatility with a beta of 0.96 — 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
UG scores higher overall (65/100 vs 58/100), backed by strong 22.0% margins. Both earn "Strong 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.
United-Guardian Inc
CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA
United-Guardian, Inc. manufactures and markets cosmetic ingredients, pharmaceuticals, medical lubricants, and specialty industrial products in the United States and internationally. The company is headquartered in Hauppauge, New York.
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