BJs Wholesale Club Holdings Inc (BJ)vsCoursera Inc (COUR)
BJ
BJs Wholesale Club Holdings Inc
$89.21
+0.92%
CONSUMER DEFENSIVE · Cap: $11.63B
COUR
Coursera Inc
$5.47
-1.80%
CONSUMER DEFENSIVE · Cap: $1.53B
Smart Verdict
WallStSmart Research — data-driven comparison
BJs Wholesale Club Holdings Inc generates 2738% more annual revenue ($21.97B vs $773.90M). BJ leads profitability with a 2.6% profit margin vs -8.2%. BJ earns a higher WallStSmart Score of 50/100 (C-).
BJ
Buy50
out of 100
Grade: C-
COUR
Avoid33
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-71.4%
Fair Value
$58.05
Current Price
$89.21
$31.16 premium
Margin of Safety
+33.1%
Fair Value
$8.58
Current Price
$5.47
$3.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 27 in profit
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
0.0% earnings growth
Smaller company, higher risk/reward
ROE of -10.1% — below average capital efficiency
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BJ
The strongest argument for BJ centers on Altman Z-Score, Return on Equity.
Bull Case : COUR
The strongest argument for COUR 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 : COUR
The primary concerns for COUR are EPS Growth, Market Cap, Return on Equity.
Key Dynamics to Monitor
BJ profiles as a value stock while COUR is a turnaround play — different risk/reward profiles.
COUR carries more volatility with a beta of 1.25 — expect wider price swings.
BJ is growing revenue faster at 9.9% — sustainability is the question.
COUR generates stronger free cash flow (14M), providing more financial flexibility.
Bottom Line
BJ scores higher overall (50/100 vs 33/100). COUR offers better value entry with a 33.1% margin of safety. Both earn "Buy" and "Avoid" 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.
Coursera Inc
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA
Coursera, Inc. operates an online educational content platform that connects students, educators, and institutions. The company is headquartered in Mountain View, California.
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