WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsLegacy Education Inc. (LGCY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 28467% more annual revenue ($21.46B vs $75.11M). LGCY leads profitability with a 11.0% profit margin vs 2.7%. LGCY trades at a lower P/E of 19.5x. LGCY earns a higher WallStSmart Score of 61/100 (C+).

BJ

Buy

52

out of 100

Grade: C-

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

LGCY

Buy

61

out of 100

Grade: C+

Growth: 10.0Profit: 7.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJUndervalued (+24.9%)

Margin of Safety

+24.9%

Fair Value

$132.45

Current Price

$91.43

$41.02 discount

UndervaluedFair: $132.45Overvalued
LGCYOvervalued (-13.8%)

Margin of Safety

-13.8%

Fair Value

$9.23

Current Price

$10.89

$1.66 premium

UndervaluedFair: $9.23Overvalued

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

LGCY4 strengths · Avg: 9.3/10
Revenue GrowthGrowth
40.7%10/10

Revenue surging 40.7% year-over-year

EPS GrowthGrowth
50.0%10/10

Earnings expanding 50.0% YoY

Return on EquityProfitability
20.1%9/10

Every $100 of equity generates 20 in profit

Price/BookValuation
3.0x8/10

Reasonable price relative to book value

Areas to Watch

BJ4 concerns · Avg: 3.5/10
PEG RatioValuation
2.364/10

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%

LGCY1 concerns · Avg: 3.0/10
Market CapQuality
$147.70M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

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

Bull Case : LGCY

The strongest argument for LGCY centers on Revenue Growth, EPS Growth, Return on Equity. Revenue growth of 40.7% 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 : LGCY

The primary concerns for LGCY are Market Cap.

Key Dynamics to Monitor

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

LGCY is growing revenue faster at 40.7% — sustainability is the question.

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

Monitor DISCOUNT STORES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LGCY scores higher overall (61/100 vs 52/100) and 40.7% revenue growth. BJ offers better value entry with a 24.9% margin of safety. 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.

Legacy Education Inc.

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Legacy Reserves Inc., an independent energy company, is engaged in the acquisition, development and production of oil and natural gas properties in the United States.

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