WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsGrand Canyon Education Inc (LOPE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 1852% more annual revenue ($21.97B vs $1.13B). LOPE leads profitability with a 19.5% profit margin vs 2.6%. LOPE appears more attractively valued with a PEG of 0.97. LOPE earns a higher WallStSmart Score of 71/100 (B).

BJ

Buy

50

out of 100

Grade: C-

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

LOPE

Strong Buy

71

out of 100

Grade: B

Growth: 6.0Profit: 9.5Value: 5.3Quality: 8.5
Piotroski: 4/9Altman Z: 8.09
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
LOPESignificantly Overvalued (-55.2%)

Margin of Safety

-55.2%

Fair Value

$103.25

Current Price

$152.57

$49.32 premium

UndervaluedFair: $103.25Overvalued

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

LOPE5 strengths · Avg: 9.4/10
Return on EquityProfitability
31.6%10/10

Every $100 of equity generates 32 in profit

Operating MarginProfitability
30.9%10/10

Strong operational efficiency at 30.9%

Altman Z-ScoreHealth
8.0910/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.159/10

Conservative balance sheet, low leverage

PEG RatioValuation
0.978/10

Growing faster than its price suggests

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

LOPE0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

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

Bull Case : LOPE

The strongest argument for LOPE centers on Return on Equity, Operating Margin, Altman Z-Score. Profitability is solid with margins at 19.5% and operating margin at 30.9%. PEG of 0.97 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 : LOPE

No major red flags identified for LOPE, but monitor valuation.

Key Dynamics to Monitor

BJ profiles as a value stock while LOPE is a mature play — different risk/reward profiles.

LOPE carries more volatility with a beta of 0.56 — expect wider price swings.

BJ is growing revenue faster at 9.9% — sustainability is the question.

LOPE generates stronger free cash flow (80M), providing more financial flexibility.

Bottom Line

LOPE scores higher overall (71/100 vs 50/100), backed by strong 19.5% margins. Both earn "Strong 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.

Grand Canyon Education Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Grand Canyon Education, Inc. provides educational services to colleges and universities in the United States. The company is headquartered in Phoenix, Arizona.

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