WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsCarvana Co (CVNA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Carvana Co generates 5% more annual revenue ($22.52B vs $21.46B). CVNA leads profitability with a 6.4% profit margin vs 2.7%. BJ trades at a lower P/E of 21.5x. CVNA 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

CVNA

Buy

52

out of 100

Grade: C-

Growth: 8.0Profit: 7.0Value: 4.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.18
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJUndervalued (+26.1%)

Margin of Safety

+26.1%

Fair Value

$134.73

Current Price

$92.97

$41.76 discount

UndervaluedFair: $134.73Overvalued

Intrinsic value data unavailable for CVNA.

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

CVNA5 strengths · Avg: 9.4/10
Market CapQuality
$317.62B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
60.2%10/10

Every $100 of equity generates 60 in profit

Revenue GrowthGrowth
52.0%10/10

Revenue surging 52.0% year-over-year

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Price/BookValuation
3.0x8/10

Reasonable price relative to book value

Areas to Watch

BJ4 concerns · Avg: 3.5/10
PEG RatioValuation
2.414/10

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%

CVNA2 concerns · Avg: 2.5/10
Profit MarginProfitability
6.4%3/10

6.4% margin — thin

P/E RatioValuation
231.2x2/10

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 : CVNA

The strongest argument for CVNA centers on Market Cap, Return on Equity, Revenue Growth. Revenue growth of 52.0% demonstrates continued momentum.

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 : CVNA

The primary concerns for CVNA are Profit Margin, P/E Ratio. A P/E of 231.2x leaves little room for execution misses.

Key Dynamics to Monitor

BJ profiles as a value stock while CVNA is a hypergrowth play — different risk/reward profiles.

CVNA carries more volatility with a beta of 3.55 — expect wider price swings.

CVNA is growing revenue faster at 52.0% — sustainability is the question.

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

Bottom Line

BJ scores higher overall (52/100 vs 52/100). 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.

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.

Carvana Co

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Carvana Co., operates an e-commerce platform to buy and sell used cars in the United States. The company is headquartered in Tempe, Arizona.

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