WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsCoffee Holding Co Inc (JVA)

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Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 22861% more annual revenue ($22.81B vs $99.35M). BJ leads profitability with a 2.6% profit margin vs 1.5%. JVA appears more attractively valued with a PEG of 0.89. 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

JVA

Hold

46

out of 100

Grade: D+

Growth: 4.0Profit: 4.5Value: 7.0Quality: 8.5
Piotroski: 2/9Altman Z: 4.69
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

Intrinsic value data unavailable for JVA.

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

JVA5 strengths · Avg: 9.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
4.6910/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.139/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.898/10

Growing faster than its price suggests

P/E RatioValuation
12.8x8/10

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

JVA4 concerns · Avg: 3.0/10
Market CapQuality
$19.81M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.8%3/10

ROE of 6.8% — below average capital efficiency

Profit MarginProfitability
1.5%3/10

1.5% margin — thin

Operating MarginProfitability
1.6%3/10

Operating margin of 1.6%

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 : JVA

The strongest argument for JVA centers on Price/Book, Altman Z-Score, Debt/Equity. PEG of 0.89 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 : JVA

The primary concerns for JVA are Market Cap, Return on Equity, Profit Margin. Thin 1.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

JVA carries more volatility with a beta of 1.45 — 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 46/100) and 15.7% revenue growth. 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.

Coffee Holding Co Inc

CONSUMER DEFENSIVE · PACKAGED FOODS · USA

Coffee Holding Co., Inc. manufactures, roasts, packs, markets and distributes roast and blended coffees in the United States, Australia, Canada, England and China. The company is headquartered in Staten Island, New York.

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