WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsDollar Tree Inc (DLTR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 14% more annual revenue ($22.81B vs $20.07B). DLTR leads profitability with a 8.0% profit margin vs 2.6%. DLTR appears more attractively valued with a PEG of 1.64. DLTR earns a higher WallStSmart Score of 63/100 (C+).

BJ

Buy

58

out of 100

Grade: C

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

DLTR

Buy

63

out of 100

Grade: C+

Growth: 7.3Profit: 7.5Value: 6.7Quality: 5.5
Piotroski: 6/9Altman Z: 2.51
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-62.6%)

Margin of Safety

-62.6%

Fair Value

$61.20

Current Price

$92.98

$31.78 premium

UndervaluedFair: $61.20Overvalued
DLTRUndervalued (+19.8%)

Margin of Safety

+19.8%

Fair Value

$155.85

Current Price

$112.40

$43.45 discount

UndervaluedFair: $155.85Overvalued

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

DLTR3 strengths · Avg: 9.3/10
Return on EquityProfitability
47.1%10/10

Every $100 of equity generates 47 in profit

EPS GrowthGrowth
197.2%10/10

Earnings expanding 197.2% YoY

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

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

DLTR2 concerns · Avg: 2.5/10
PEG RatioValuation
1.644/10

Expensive relative to growth rate

Debt/EquityHealth
2.241/10

Elevated debt levels

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 : DLTR

The strongest argument for DLTR centers on Return on Equity, EPS Growth, P/E Ratio.

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 : DLTR

The primary concerns for DLTR are PEG Ratio, Debt/Equity. Debt-to-equity of 2.24 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

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

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

DLTR generates stronger free cash flow (675M), providing more financial flexibility.

Bottom Line

DLTR scores higher overall (63/100 vs 58/100). 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.

Dollar Tree Inc

CONSUMER DEFENSIVE · DISCOUNT STORES · USA

Dollar Tree is an American chain of discount variety stores that sells items for $1 or less, headquartered in Chesapeake, Virginia.

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