BJs Wholesale Club Holdings Inc (BJ)vsUnited-Guardian Inc (UG)
BJ
BJs Wholesale Club Holdings Inc
$91.43
-0.82%
CONSUMER DEFENSIVE · Cap: $11.86B
UG
United-Guardian Inc
$7.13
+1.28%
CONSUMER DEFENSIVE · Cap: $32.34M
Smart Verdict
WallStSmart Research — data-driven comparison
BJs Wholesale Club Holdings Inc generates 203373% more annual revenue ($21.46B vs $10.55M). UG leads profitability with a 20.0% profit margin vs 2.7%. UG appears more attractively valued with a PEG of 1.13. UG earns a higher WallStSmart Score of 67/100 (B-).
BJ
Buy52
out of 100
Grade: C-
UG
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+24.9%
Fair Value
$132.45
Current Price
$91.43
$41.02 discount
Margin of Safety
+37.7%
Fair Value
$10.58
Current Price
$7.13
$3.45 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 29 in profit
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 24.4%
19.6% revenue growth
Earnings expanding 29.0% YoY
Areas to Watch
Expensive relative to growth rate
3.5% earnings growth
2.7% margin — thin
Operating margin of 3.2%
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : BJ
The strongest argument for BJ centers on Altman Z-Score, Return on Equity.
Bull Case : UG
The strongest argument for UG centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 20.0% and operating margin at 24.4%. Revenue growth of 19.6% demonstrates continued momentum.
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 : UG
The primary concerns for UG are Market Cap.
Key Dynamics to Monitor
BJ profiles as a value stock while UG is a growth play — different risk/reward profiles.
UG carries more volatility with a beta of 0.96 — expect wider price swings.
UG is growing revenue faster at 19.6% — sustainability is the question.
BJ generates stronger free cash flow (193M), providing more financial flexibility.
Bottom Line
UG scores higher overall (67/100 vs 52/100), backed by strong 20.0% margins and 19.6% revenue growth. BJ offers better value entry with a 24.9% margin of safety. 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.
United-Guardian Inc
CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA
United-Guardian, Inc. manufactures and markets cosmetic ingredients, pharmaceuticals, medical lubricants, and specialty industrial products in the United States and internationally. The company is headquartered in Hauppauge, New York.
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