WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsUtz Brands Inc (UTZ)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

BJs Wholesale Club Holdings Inc generates 1417% more annual revenue ($21.97B vs $1.45B). BJ leads profitability with a 2.6% profit margin vs -0.6%. BJ earns a higher WallStSmart Score of 50/100 (C-).

BJ

Buy

50

out of 100

Grade: C-

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

UTZ

Hold

39

out of 100

Grade: F

Growth: 3.3Profit: 3.0Value: 5.3Quality: 5.0
Piotroski: 2/9Altman Z: 0.98
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-71.4%)

Margin of Safety

-71.4%

Fair Value

$58.05

Current Price

$86.36

$28.31 premium

UndervaluedFair: $58.05Overvalued
UTZUndervalued (+12.2%)

Margin of Safety

+12.2%

Fair Value

$12.67

Current Price

$7.22

$5.45 discount

UndervaluedFair: $12.67Overvalued

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

UTZ2 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Areas to Watch

BJ4 concerns · Avg: 3.3/10
PEG RatioValuation
2.064/10

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

UTZ4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.6%4/10

2.6% revenue growth

Market CapQuality
$650.75M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.8%3/10

Operating margin of 1.8%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

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

Bull Case : UTZ

The strongest argument for UTZ centers on Price/Book, Debt/Equity.

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 : UTZ

The primary concerns for UTZ are Revenue Growth, Market Cap, Operating Margin.

Key Dynamics to Monitor

BJ profiles as a value stock while UTZ is a turnaround play — different risk/reward profiles.

UTZ carries more volatility with a beta of 0.84 — expect wider price swings.

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

UTZ generates stronger free cash flow (-26M), providing more financial flexibility.

Bottom Line

BJ scores higher overall (50/100 vs 39/100). 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.

Utz Brands Inc

CONSUMER DEFENSIVE · PACKAGED FOODS · USA

Utz Brands, Inc. is a snack food company. The company is headquartered in Hanover, Pennsylvania.

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