WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsNatural Alternatives International (NAII)

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Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 15382% more annual revenue ($21.97B vs $141.87M). BJ leads profitability with a 2.6% profit margin vs -10.1%. BJ appears more attractively valued with a PEG of 2.14. NAII earns a higher WallStSmart Score of 52/100 (C-).

BJ

Buy

50

out of 100

Grade: C-

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

NAII

Buy

52

out of 100

Grade: C-

Growth: 6.7Profit: 2.0Value: 4.0Quality: 5.5
Piotroski: 4/9Altman Z: 1.98
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-71.4%)

Margin of Safety

-71.4%

Fair Value

$58.07

Current Price

$88.05

$29.98 premium

UndervaluedFair: $58.07Overvalued

Intrinsic value data unavailable for NAII.

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

NAII3 strengths · Avg: 9.3/10
Price/BookValuation
0.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
74.1%10/10

Earnings expanding 74.1% YoY

Revenue GrowthGrowth
23.3%8/10

Revenue surging 23.3% year-over-year

Areas to Watch

BJ4 concerns · Avg: 3.3/10
PEG RatioValuation
2.144/10

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

NAII4 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.984/10

Grey zone — moderate risk

Market CapQuality
$14.06M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.033/10

Elevated debt levels

PEG RatioValuation
5.412/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

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

Bull Case : NAII

The strongest argument for NAII centers on Price/Book, EPS Growth, Revenue Growth. Revenue growth of 23.3% 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 : NAII

The primary concerns for NAII are Altman Z-Score, Market Cap, Debt/Equity.

Key Dynamics to Monitor

BJ profiles as a value stock while NAII is a growth play — different risk/reward profiles.

NAII carries more volatility with a beta of 0.36 — expect wider price swings.

NAII is growing revenue faster at 23.3% — sustainability is the question.

NAII generates stronger free cash flow (1M), providing more financial flexibility.

Bottom Line

NAII scores higher overall (52/100 vs 50/100) and 23.3% 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.

Natural Alternatives International

CONSUMER DEFENSIVE · PACKAGED FOODS · USA

Natural Alternatives International, Inc. is dedicated to formulating, manufacturing, and marketing nutritional supplements in the United States and internationally. The company is headquartered in Carlsbad, California.

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