WallStSmart

BJs Wholesale Club Holdings Inc (BJ)vsWipro Limited ADR (WIT)

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Smart Verdict

WallStSmart Research — data-driven comparison

Wipro Limited ADR generates 4136% more annual revenue ($908.92B vs $21.46B). WIT leads profitability with a 14.6% profit margin vs 2.7%. WIT appears more attractively valued with a PEG of 2.43. WIT earns a higher WallStSmart Score of 53/100 (C-).

BJ

Buy

52

out of 100

Grade: C-

Growth: 4.7Profit: 6.0Value: 7.3Quality: 5.8
Piotroski: 5/9Altman Z: 3.87

WIT

Buy

53

out of 100

Grade: C-

Growth: 4.0Profit: 6.5Value: 7.3Quality: 7.3
Piotroski: 5/9Altman Z: 3.52
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BJSignificantly Overvalued (-83.2%)

Margin of Safety

-83.2%

Fair Value

$54.31

Current Price

$97.81

$43.50 premium

UndervaluedFair: $54.31Overvalued
WITSignificantly Overvalued (-171.6%)

Margin of Safety

-171.6%

Fair Value

$0.88

Current Price

$2.09

$1.21 premium

UndervaluedFair: $0.88Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BJ2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
3.8710/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
28.6%9/10

Every $100 of equity generates 29 in profit

WIT4 strengths · Avg: 9.0/10
Free Cash FlowQuality
$37.93B10/10

Generating 37.9B in free cash flow

Altman Z-ScoreHealth
3.5210/10

Safe zone — low bankruptcy risk

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

BJ4 concerns · Avg: 3.5/10
PEG RatioValuation
2.454/10

Expensive relative to growth rate

EPS GrowthGrowth
3.5%4/10

3.5% earnings growth

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

WIT2 concerns · Avg: 3.0/10
PEG RatioValuation
2.434/10

Expensive relative to growth rate

EPS GrowthGrowth
-7.2%2/10

Earnings declined 7.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : BJ

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

Bull Case : WIT

The strongest argument for WIT centers on Free Cash Flow, Altman Z-Score, P/E Ratio.

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 : WIT

The primary concerns for WIT are PEG Ratio, EPS Growth.

Key Dynamics to Monitor

WIT carries more volatility with a beta of 0.36 — expect wider price swings.

BJ is growing revenue faster at 5.6% — sustainability is the question.

WIT generates stronger free cash flow (37.9B), providing more financial flexibility.

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

Bottom Line

WIT scores higher overall (53/100 vs 52/100). 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.

Wipro Limited ADR

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

Wipro Limited is a global information technology (IT), consulting and business process services company. The company is headquartered in Bengaluru, India.

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