WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsSunlands Technology Group (STG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 1140% more annual revenue ($22.81B vs $1.84B). STG leads profitability with a 17.6% profit margin vs 2.6%. STG trades at a lower P/E of 0.8x. STG earns a higher WallStSmart Score of 58/100 (C).

BJ

Buy

58

out of 100

Grade: C

Growth: 6.7Profit: 5.5Value: 4.0Quality: 5.5
Piotroski: 5/9Altman Z: 3.58

STG

Buy

58

out of 100

Grade: C

Growth: 2.0Profit: 8.5Value: 6.7Quality: 7.0
Piotroski: 7/9Altman Z: 1.27
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-62.6%)

Margin of Safety

-62.6%

Fair Value

$61.20

Current Price

$91.49

$30.29 premium

UndervaluedFair: $61.20Overvalued

Intrinsic value data unavailable for STG.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BJ3 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.5810/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
22.9%9/10

Every $100 of equity generates 23 in profit

Revenue GrowthGrowth
15.7%8/10

15.7% revenue growth

STG5 strengths · Avg: 9.4/10
P/E RatioValuation
0.8x10/10

Attractively priced relative to earnings

Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Return on EquityProfitability
36.4%10/10

Every $100 of equity generates 36 in profit

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

Operating MarginProfitability
20.5%8/10

Strong operational efficiency at 20.5%

Areas to Watch

BJ4 concerns · Avg: 3.3/10
PEG RatioValuation
2.194/10

Expensive relative to growth rate

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

Debt/EquityHealth
1.263/10

Elevated debt levels

STG4 concerns · Avg: 2.3/10
Market CapQuality
$36.40M3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-24.6%2/10

Revenue declined 24.6%

EPS GrowthGrowth
-32.9%2/10

Earnings declined 32.9%

Altman Z-ScoreHealth
1.272/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

The strongest argument for BJ centers on Altman Z-Score, Return on Equity, Revenue Growth. Revenue growth of 15.7% demonstrates continued momentum.

Bull Case : STG

The strongest argument for STG centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 17.6% and operating margin at 20.5%.

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 : STG

The primary concerns for STG are Market Cap, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

BJ profiles as a growth stock while STG is a declining play — different risk/reward profiles.

STG carries more volatility with a beta of 1.56 — expect wider price swings.

BJ is growing revenue faster at 15.7% — sustainability is the question.

BJ generates stronger free cash flow (224M), providing more financial flexibility.

Bottom Line

BJ scores higher overall (58/100 vs 58/100) and 15.7% 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.

Sunlands Technology Group

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · China

Sunlands Technology Group, provides online education services in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.

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