WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mondelez International Inc generates 81% more annual revenue ($39.67B vs $21.97B). MDLZ leads profitability with a 8.9% profit margin vs 2.6%. MDLZ appears more attractively valued with a PEG of 1.03. MDLZ earns a higher WallStSmart Score of 69/100 (B-).

BJ

Buy

50

out of 100

Grade: C-

Growth: 4.0Profit: 6.0Value: 4.0Quality: 5.5
Piotroski: 5/9Altman Z: 3.58

MDLZ

Strong Buy

69

out of 100

Grade: B-

Growth: 6.7Profit: 6.5Value: 4.0Quality: 4.5
Piotroski: 3/9Altman Z: 1.60
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-71.1%)

Margin of Safety

-71.1%

Fair Value

$58.15

Current Price

$96.48

$38.33 premium

UndervaluedFair: $58.15Overvalued
MDLZSignificantly Overvalued (-21.4%)

Margin of Safety

-21.4%

Fair Value

$50.62

Current Price

$62.61

$11.99 premium

UndervaluedFair: $50.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BJ2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
3.5810/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
26.9%9/10

Every $100 of equity generates 27 in profit

MDLZ3 strengths · Avg: 9.0/10
EPS GrowthGrowth
144.9%10/10

Earnings expanding 144.9% YoY

Market CapQuality
$79.23B9/10

Large-cap with strong market position

Operating MarginProfitability
22.0%8/10

Strong operational efficiency at 22.0%

Areas to Watch

BJ4 concerns · Avg: 3.3/10
PEG RatioValuation
2.354/10

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

MDLZ4 concerns · Avg: 3.8/10
P/E RatioValuation
37.6x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
4.1%4/10

4.1% revenue growth

Altman Z-ScoreHealth
1.604/10

Distress zone — elevated risk

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 EPS Growth, Market Cap, Operating Margin. PEG of 1.03 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 : MDLZ

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

Key Dynamics to Monitor

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

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

MDLZ generates stronger free cash flow (155M), providing more financial flexibility.

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

Bottom Line

MDLZ scores higher overall (69/100 vs 50/100). 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.

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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