BJs Wholesale Club Holdings Inc (BJ)vsUnited Natural Foods Inc (UNFI)
BJ
BJs Wholesale Club Holdings Inc
$89.21
+0.92%
CONSUMER DEFENSIVE · Cap: $11.63B
UNFI
United Natural Foods Inc
$55.52
+4.81%
CONSUMER DEFENSIVE · Cap: $3.13B
Smart Verdict
WallStSmart Research — data-driven comparison
United Natural Foods Inc generates 44% more annual revenue ($31.54B vs $21.97B). BJ leads profitability with a 2.6% profit margin vs -0.3%. UNFI appears more attractively valued with a PEG of 1.09. BJ earns a higher WallStSmart Score of 50/100 (C-).
BJ
Buy50
out of 100
Grade: C-
UNFI
Hold42
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-71.6%
Fair Value
$58.00
Current Price
$89.21
$31.21 premium
Intrinsic value data unavailable for UNFI.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 23 in profit
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
2.6% margin — thin
Operating margin of 3.7%
Elevated debt levels
Operating margin of 1.1%
Weak financial health signals
ROE of -5.0% — below average capital efficiency
Revenue declined 2.6%
Comparative Analysis Report
WallStSmart ResearchBull Case : BJ
The strongest argument for BJ centers on Altman Z-Score, Return on Equity.
Bull Case : UNFI
The strongest argument for UNFI centers on Altman Z-Score, Price/Book. PEG of 1.09 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 : UNFI
The primary concerns for UNFI are Operating Margin, Piotroski F-Score, Return on Equity. Debt-to-equity of 2.09 is elevated, increasing financial risk.
Key Dynamics to Monitor
BJ profiles as a value stock while UNFI is a turnaround play — different risk/reward profiles.
UNFI carries more volatility with a beta of 0.82 — expect wider price swings.
BJ is growing revenue faster at 9.9% — sustainability is the question.
UNFI generates stronger free cash flow (243M), providing more financial flexibility.
Bottom Line
BJ scores higher overall (50/100 vs 42/100). 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.
United Natural Foods Inc
CONSUMER DEFENSIVE · FOOD DISTRIBUTION · USA
United Natural Foods, Inc. distributes natural, organic, specialty, agricultural and conventional, edible and non-food products in the United States and Canada. The company is headquartered in Providence, Rhode Island.
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