WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsChevron Corp (CVX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chevron Corp generates 761% more annual revenue ($184.65B vs $21.46B). CVX leads profitability with a 6.7% profit margin vs 2.7%. BJ appears more attractively valued with a PEG of 2.45. BJ earns a higher WallStSmart Score of 52/100 (C-).

BJ

Buy

52

out of 100

Grade: C-

Growth: 4.7Profit: 6.0Value: 7.3Quality: 5.8
Piotroski: 5/9Altman Z: 3.87

CVX

Hold

40

out of 100

Grade: F

Growth: 2.0Profit: 5.0Value: 4.7Quality: 3.5
Piotroski: 1/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-83.2%)

Margin of Safety

-83.2%

Fair Value

$54.31

Current Price

$97.81

$43.50 premium

UndervaluedFair: $54.31Overvalued
CVXSignificantly Overvalued (-360.9%)

Margin of Safety

-360.9%

Fair Value

$45.08

Current Price

$205.15

$160.07 premium

UndervaluedFair: $45.08Overvalued

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

CVX3 strengths · Avg: 8.7/10
Market CapQuality
$410.17B10/10

Mega-cap, among the largest globally

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.38B8/10

Generating 5.4B in free cash flow

Areas to Watch

BJ4 concerns · Avg: 3.5/10
PEG RatioValuation
2.454/10

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%

CVX4 concerns · Avg: 3.3/10
P/E RatioValuation
30.9x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Profit MarginProfitability
6.7%3/10

6.7% margin — thin

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

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

Bull Case : CVX

The strongest argument for CVX centers on Market Cap, Price/Book, Free Cash Flow.

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 : CVX

The primary concerns for CVX are P/E Ratio, Return on Equity, Profit Margin.

Key Dynamics to Monitor

CVX carries more volatility with a beta of 0.66 — expect wider price swings.

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

CVX generates stronger free cash flow (5.4B), 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). 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.

Chevron Corp

ENERGY · OIL & GAS INTEGRATED · USA

Chevron Corporation is an American multinational energy corporation. One of the successor companies of Standard Oil, it is headquartered in San Ramon, California, and active in more than 180 countries. Chevron is engaged in every aspect of the oil and natural gas industries, including hydrocarbon exploration and production; refining, marketing and transport; chemicals manufacturing and sales; and power generation.

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