BJs Wholesale Club Holdings Inc (BJ)vsUniversal Technical Institute Inc (UTI)
BJ
BJs Wholesale Club Holdings Inc
$89.21
+0.92%
CONSUMER DEFENSIVE · Cap: $11.63B
UTI
Universal Technical Institute Inc
$43.57
-2.96%
CONSUMER DEFENSIVE · Cap: $2.06B
Smart Verdict
WallStSmart Research — data-driven comparison
BJs Wholesale Club Holdings Inc generates 2428% more annual revenue ($21.97B vs $868.99M). UTI leads profitability with a 4.9% profit margin vs 2.6%. BJ appears more attractively valued with a PEG of 2.18. BJ earns a higher WallStSmart Score of 50/100 (C-).
BJ
Buy50
out of 100
Grade: C-
UTI
Hold37
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-71.6%
Fair Value
$58.00
Current Price
$89.21
$31.21 premium
Margin of Safety
-25.7%
Fair Value
$21.60
Current Price
$43.57
$21.97 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Every $100 of equity generates 23 in profit
No standout strengths identified
Areas to Watch
Expensive relative to growth rate
2.6% margin — thin
Operating margin of 3.7%
Elevated debt levels
Grey zone — moderate risk
4.9% margin — thin
Operating margin of 0.1%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : BJ
The strongest argument for BJ centers on Altman Z-Score, Return on Equity.
Bull Case : UTI
UTI has a balanced fundamental profile.
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 : UTI
The primary concerns for UTI are Altman Z-Score, Profit Margin, Operating Margin. A P/E of 49.2x leaves little room for execution misses. Thin 4.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
UTI carries more volatility with a beta of 1.28 — expect wider price swings.
BJ is growing revenue faster at 9.9% — sustainability is the question.
UTI generates stronger free cash flow (-26M), providing more financial flexibility.
Monitor DISCOUNT STORES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BJ scores higher overall (50/100 vs 37/100). Both earn "Buy" and "Hold" 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.
Universal Technical Institute Inc
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA
Universal Technical Institute, Inc. offers postsecondary education for students seeking careers as professional automotive, diesel, collision repair, motorcycle and marine technicians in the United States. The company is headquartered in Phoenix, Arizona.
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