WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsUtz Brands Inc (UTZ)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 1391% more annual revenue ($21.46B vs $1.44B). BJ leads profitability with a 2.7% profit margin vs 0.1%. BJ trades at a lower P/E of 20.9x. 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

UTZ

Hold

40

out of 100

Grade: D

Growth: 3.3Profit: 3.0Value: 5.7Quality: 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
UTZUndervalued (+45.6%)

Margin of Safety

+45.6%

Fair Value

$20.48

Current Price

$7.75

$12.73 discount

UndervaluedFair: $20.48Overvalued

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

UTZ1 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

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%

UTZ4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.4%4/10

0.4% revenue growth

Market CapQuality
$685.36M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.1%3/10

0.1% margin — thin

P/E RatioValuation
775.0x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

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

Bull Case : UTZ

The strongest argument for UTZ centers on Price/Book.

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 : UTZ

The primary concerns for UTZ are Revenue Growth, Market Cap, Profit Margin. A P/E of 775.0x leaves little room for execution misses. Thin 0.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

UTZ carries more volatility with a beta of 0.99 — expect wider price swings.

BJ is growing revenue faster at 5.6% — sustainability is the question.

BJ generates stronger free cash flow (193M), providing more financial flexibility.

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

Bottom Line

BJ scores higher overall (52/100 vs 40/100). UTZ offers better value entry with a 45.6% 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.

Utz Brands Inc

CONSUMER DEFENSIVE · PACKAGED FOODS · USA

Utz Brands, Inc. is a snack food company. The company is headquartered in Hanover, Pennsylvania.

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