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 28095% more annual revenue ($21.97B vs $77.91M). LGCY leads profitability with a 10.9% profit margin vs 2.6%. LGCY trades at a lower P/E of 18.4x. LGCY earns a higher WallStSmart Score of 53/100 (C-).

BJ

Buy

50

out of 100

Grade: C-

Growth: 4.0Profit: 5.5Value: 4.0Quality: 5.5
Piotroski: 5/9Altman Z: 3.59

LGCY

Buy

53

out of 100

Grade: C-

Growth: 7.3Profit: 7.5Value: 5.3Quality: 8.0
Piotroski: 3/9Altman Z: 3.01
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-71.6%)

Margin of Safety

-71.6%

Fair Value

$58.00

Current Price

$89.21

$31.21 premium

UndervaluedFair: $58.00Overvalued

Intrinsic value data unavailable for LGCY.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BJ2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
3.5910/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
22.8%9/10

Every $100 of equity generates 23 in profit

LGCY3 strengths · Avg: 8.7/10
Altman Z-ScoreHealth
3.0110/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.0%8/10

15.0% revenue growth

Areas to Watch

BJ4 concerns · Avg: 3.3/10
PEG RatioValuation
2.184/10

Expensive relative to growth rate

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

Operating MarginProfitability
3.7%3/10

Operating margin of 3.7%

Debt/EquityHealth
1.353/10

Elevated debt levels

LGCY3 concerns · Avg: 3.3/10
EPS GrowthGrowth
4.8%4/10

4.8% earnings growth

Market CapQuality
$139.93M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

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 : LGCY

The strongest argument for LGCY centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 15.0% demonstrates continued momentum.

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 : LGCY

The primary concerns for LGCY are EPS Growth, Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

LGCY is growing revenue faster at 15.0% — sustainability is the question.

LGCY generates stronger free cash flow (515,769), providing more financial flexibility.

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

Bottom Line

LGCY scores higher overall (53/100 vs 50/100) and 15.0% 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.

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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