WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsUSANA Health Sciences Inc (USNA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 2272% more annual revenue ($21.97B vs $925.94M). BJ leads profitability with a 2.6% profit margin vs 1.0%. USNA appears more attractively valued with a PEG of 0.82. USNA earns a higher WallStSmart Score of 52/100 (C-).

BJ

Buy

50

out of 100

Grade: C-

Growth: 4.0Profit: 5.5Value: 4.0Quality: 5.5
Piotroski: 5/9Altman Z: 3.59

USNA

Buy

52

out of 100

Grade: C-

Growth: 2.7Profit: 5.0Value: 5.7Quality: 8.5
Piotroski: 4/9Altman Z: 4.82
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-71.6%)

Margin of Safety

-71.6%

Fair Value

$58.00

Current Price

$89.21

$31.21 premium

UndervaluedFair: $58.00Overvalued

Intrinsic value data unavailable for USNA.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BJ2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
3.5910/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
22.8%9/10

Every $100 of equity generates 23 in profit

USNA4 strengths · Avg: 9.5/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.8210/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.828/10

Growing faster than its price suggests

Areas to Watch

BJ4 concerns · Avg: 3.3/10
PEG RatioValuation
2.184/10

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

USNA4 concerns · Avg: 3.5/10
P/E RatioValuation
39.7x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

Market CapQuality
$366.86M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.6%3/10

ROE of 1.6% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

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

Bull Case : USNA

The strongest argument for USNA centers on Price/Book, Debt/Equity, Altman Z-Score. PEG of 0.82 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 : USNA

The primary concerns for USNA are P/E Ratio, Revenue Growth, Market Cap. Thin 1.0% margins leave little buffer for downturns.

Key Dynamics to Monitor

USNA carries more volatility with a beta of 0.77 — expect wider price swings.

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

USNA generates stronger free cash flow (7M), providing more financial flexibility.

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

Bottom Line

USNA scores higher overall (52/100 vs 50/100). 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.

USANA Health Sciences Inc

CONSUMER DEFENSIVE · PACKAGED FOODS · USA

USANA Health Sciences, Inc. develops, manufactures, and sells science-based nutritional and personal care products. The company is headquartered in Salt Lake City, Utah.

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