WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsAMCON Distributing Company (DIT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 836% more annual revenue ($22.81B vs $2.44B). BJ leads profitability with a 2.6% profit margin vs 0.1%. DIT appears more attractively valued with a PEG of 1.10. BJ earns a higher WallStSmart Score of 58/100 (C).

BJ

Buy

58

out of 100

Grade: C

Growth: 6.7Profit: 5.5Value: 4.0Quality: 5.5
Piotroski: 5/9Altman Z: 3.58

DIT

Buy

57

out of 100

Grade: C

Growth: 8.0Profit: 4.0Value: 4.0Quality: 6.0
Piotroski: 1/9Altman Z: 8.24
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-62.6%)

Margin of Safety

-62.6%

Fair Value

$61.20

Current Price

$91.49

$30.29 premium

UndervaluedFair: $61.20Overvalued
DITSignificantly Overvalued (-44.4%)

Margin of Safety

-44.4%

Fair Value

$78.27

Current Price

$64.78

$13.49 premium

UndervaluedFair: $78.27Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BJ3 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.5810/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
22.9%9/10

Every $100 of equity generates 23 in profit

Revenue GrowthGrowth
15.7%8/10

15.7% revenue growth

DIT3 strengths · Avg: 10.0/10
Price/BookValuation
0.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.7%10/10

Earnings expanding 100.7% YoY

Altman Z-ScoreHealth
8.2410/10

Safe zone — low bankruptcy risk

Areas to Watch

BJ4 concerns · Avg: 3.3/10
PEG RatioValuation
2.194/10

Expensive relative to growth rate

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

Debt/EquityHealth
1.263/10

Elevated debt levels

DIT4 concerns · Avg: 3.3/10
P/E RatioValuation
33.6x4/10

Premium valuation, high expectations priced in

Market CapQuality
$63.23M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.4%3/10

ROE of 0.4% — below average capital efficiency

Profit MarginProfitability
0.1%3/10

0.1% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

The strongest argument for BJ centers on Altman Z-Score, Return on Equity, Revenue Growth. Revenue growth of 15.7% demonstrates continued momentum.

Bull Case : DIT

The strongest argument for DIT centers on Price/Book, EPS Growth, Altman Z-Score. Revenue growth of 13.3% demonstrates continued momentum. PEG of 1.10 suggests the stock is reasonably priced for its growth.

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 : DIT

The primary concerns for DIT are P/E Ratio, Market Cap, Return on Equity. Debt-to-equity of 1.74 is elevated, increasing financial risk. Thin 0.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

BJ profiles as a growth stock while DIT is a value play — different risk/reward profiles.

BJ carries more volatility with a beta of 0.18 — expect wider price swings.

BJ is growing revenue faster at 15.7% — sustainability is the question.

BJ generates stronger free cash flow (224M), providing more financial flexibility.

Bottom Line

BJ scores higher overall (58/100 vs 57/100) and 15.7% revenue growth. 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.

AMCON Distributing Company

CONSUMER DEFENSIVE · FOOD DISTRIBUTION · USA

AMCON Distributing Company is engaged in the wholesale distribution of consumer products in the Central, Rocky Mountain and Mid-South regions of the United States. The company is headquartered in Omaha, Nebraska.

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