BJs Wholesale Club Holdings Inc (BJ)vsLincoln Educational Services (LINC)
BJ
BJs Wholesale Club Holdings Inc
$91.43
-0.82%
CONSUMER DEFENSIVE · Cap: $11.86B
LINC
Lincoln Educational Services
$40.35
+1.74%
CONSUMER DEFENSIVE · Cap: $1.27B
Smart Verdict
WallStSmart Research — data-driven comparison
BJs Wholesale Club Holdings Inc generates 4040% more annual revenue ($21.46B vs $518.24M). LINC leads profitability with a 3.9% profit margin vs 2.7%. BJ appears more attractively valued with a PEG of 2.36. BJ earns a higher WallStSmart Score of 52/100 (C-).
BJ
Buy52
out of 100
Grade: C-
LINC
Buy50
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+24.9%
Fair Value
$132.45
Current Price
$91.43
$41.02 discount
Margin of Safety
-6.3%
Fair Value
$25.34
Current Price
$40.35
$15.01 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 29 in profit
Earnings expanding 87.1% YoY
19.7% revenue growth
Areas to Watch
Expensive relative to growth rate
3.5% earnings growth
2.7% margin — thin
Operating margin of 3.2%
Smaller company, higher risk/reward
3.9% margin — thin
Expensive relative to growth rate
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : BJ
The strongest argument for BJ centers on Altman Z-Score, Return on Equity.
Bull Case : LINC
The strongest argument for LINC centers on EPS Growth, Revenue Growth. Revenue growth of 19.7% 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 : LINC
The primary concerns for LINC are Market Cap, Profit Margin, PEG Ratio. A P/E of 62.2x leaves little room for execution misses. Thin 3.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
BJ profiles as a value stock while LINC is a growth play — different risk/reward profiles.
LINC carries more volatility with a beta of 0.83 — expect wider price swings.
LINC is growing revenue faster at 19.7% — sustainability is the question.
BJ generates stronger free cash flow (193M), providing more financial flexibility.
Bottom Line
BJ scores higher overall (52/100 vs 50/100). 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.
Lincoln Educational Services
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA
Lincoln Educational Services Corporation offers various career-oriented postsecondary education services to high school graduates and working adults in the United States. The company is headquartered in West Orange, New Jersey.
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