WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsMondelez International Inc (MDLZ)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mondelez International Inc generates 83% more annual revenue ($39.30B vs $21.46B). MDLZ leads profitability with a 6.6% profit margin vs 2.7%. MDLZ appears more attractively valued with a PEG of 1.02. MDLZ earns a higher WallStSmart Score of 60/100 (C).

BJ

Buy

52

out of 100

Grade: C-

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

MDLZ

Buy

60

out of 100

Grade: C

Growth: 7.3Profit: 5.5Value: 4.7Quality: 4.5
Piotroski: 3/9Altman Z: 1.60
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJUndervalued (+26.1%)

Margin of Safety

+26.1%

Fair Value

$134.73

Current Price

$92.97

$41.76 discount

UndervaluedFair: $134.73Overvalued
MDLZOvervalued (-8.0%)

Margin of Safety

-8.0%

Fair Value

$56.91

Current Price

$61.55

$4.64 premium

UndervaluedFair: $56.91Overvalued

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

MDLZ2 strengths · Avg: 8.5/10
Market CapQuality
$78.70B9/10

Large-cap with strong market position

EPS GrowthGrowth
41.3%8/10

Earnings expanding 41.3% YoY

Areas to Watch

BJ4 concerns · Avg: 3.5/10
PEG RatioValuation
2.414/10

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%

MDLZ4 concerns · Avg: 3.5/10
P/E RatioValuation
30.4x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.604/10

Distress zone — elevated risk

Profit MarginProfitability
6.6%3/10

6.6% margin — thin

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 : MDLZ

The strongest argument for MDLZ centers on Market Cap, EPS Growth. PEG of 1.02 suggests the stock is reasonably priced for its growth.

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 : MDLZ

The primary concerns for MDLZ are P/E Ratio, Altman Z-Score, Profit Margin.

Key Dynamics to Monitor

MDLZ carries more volatility with a beta of 0.40 — expect wider price swings.

MDLZ is growing revenue faster at 8.2% — 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

MDLZ scores higher overall (60/100 vs 52/100). BJ offers better value entry with a 26.1% 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.

Mondelez International Inc

CONSUMER DEFENSIVE · CONFECTIONERS · USA

Mondelez International, Inc. is an American multinational confectionery, food, holding and beverage and snack food company based in Chicago, Illinois.

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