WallStSmart

Carter’s Inc (CRI)vsThe TJX Companies Inc (TJX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The TJX Companies Inc generates 1983% more annual revenue ($60.37B vs $2.90B). TJX leads profitability with a 9.1% profit margin vs 3.2%. CRI appears more attractively valued with a PEG of 2.01. TJX earns a higher WallStSmart Score of 56/100 (C).

CRI

Buy

53

out of 100

Grade: C-

Growth: 4.0Profit: 5.5Value: 8.0Quality: 5.0

TJX

Buy

56

out of 100

Grade: C

Growth: 6.7Profit: 7.5Value: 7.3Quality: 6.3
Piotroski: 5/9Altman Z: 3.30
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRIOvervalued (-13.2%)

Margin of Safety

-13.2%

Fair Value

$33.40

Current Price

$34.93

$1.53 premium

UndervaluedFair: $33.40Overvalued
TJXUndervalued (+30.8%)

Margin of Safety

+30.8%

Fair Value

$227.92

Current Price

$159.74

$68.18 discount

UndervaluedFair: $227.92Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRI2 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

P/E RatioValuation
13.8x8/10

Attractively priced relative to earnings

TJX5 strengths · Avg: 9.0/10
Return on EquityProfitability
59.1%10/10

Every $100 of equity generates 59 in profit

Altman Z-ScoreHealth
3.3010/10

Safe zone — low bankruptcy risk

Market CapQuality
$177.78B9/10

Large-cap with strong market position

EPS GrowthGrowth
28.3%8/10

Earnings expanding 28.3% YoY

Free Cash FlowQuality
$2.63B8/10

Generating 2.6B in free cash flow

Areas to Watch

CRI4 concerns · Avg: 3.5/10
PEG RatioValuation
2.014/10

Expensive relative to growth rate

EPS GrowthGrowth
4.0%4/10

4.0% earnings growth

Market CapQuality
$1.27B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.2%3/10

3.2% margin — thin

TJX3 concerns · Avg: 3.3/10
P/E RatioValuation
32.8x4/10

Premium valuation, high expectations priced in

Price/BookValuation
17.6x4/10

Trading at 17.6x book value

PEG RatioValuation
3.242/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CRI

The strongest argument for CRI centers on Price/Book, P/E Ratio.

Bull Case : TJX

The strongest argument for TJX centers on Return on Equity, Altman Z-Score, Market Cap.

Bear Case : CRI

The primary concerns for CRI are PEG Ratio, EPS Growth, Market Cap. Thin 3.2% margins leave little buffer for downturns.

Bear Case : TJX

The primary concerns for TJX are P/E Ratio, Price/Book, PEG Ratio.

Key Dynamics to Monitor

CRI carries more volatility with a beta of 1.05 — expect wider price swings.

TJX is growing revenue faster at 8.5% — sustainability is the question.

TJX generates stronger free cash flow (2.6B), providing more financial flexibility.

Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TJX scores higher overall (56/100 vs 53/100). 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.

Carter’s Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Carter's, Inc. designs, supplies, and markets branded children's clothing under the brands Carter's, OshKosh, Skip Hop, Child of Mine, Just One You, Simple Joys, Carter's little baby basics, and other brands in the United States and internationally. The company is headquartered in Atlanta, Georgia.

The TJX Companies Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

The TJX Companies, Inc. (abbreviated TJX) is an American multinational off-price department store corporation, headquartered in Framingham, Massachusetts.

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