WallStSmart

The TJX Companies Inc (TJX)vsTillys Inc (TLYS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

The TJX Companies Inc generates 10806% more annual revenue ($60.37B vs $553.59M). TJX leads profitability with a 9.1% profit margin vs -3.1%. TLYS appears more attractively valued with a PEG of 0.88. TJX earns a higher WallStSmart Score of 56/100 (C).

TJX

Buy

56

out of 100

Grade: C

Growth: 6.7Profit: 7.5Value: 7.3Quality: 6.3
Piotroski: 5/9Altman Z: 3.30

TLYS

Hold

47

out of 100

Grade: D+

Growth: 3.3Profit: 2.5Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TJXUndervalued (+30.8%)

Margin of Safety

+30.8%

Fair Value

$227.92

Current Price

$159.74

$68.18 discount

UndervaluedFair: $227.92Overvalued

Intrinsic value data unavailable for TLYS.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TJX5 strengths · Avg: 9.0/10
Return on EquityProfitability
59.1%10/10

Every $100 of equity generates 59 in profit

Altman Z-ScoreHealth
3.3010/10

Safe zone — low bankruptcy risk

Market CapQuality
$177.78B9/10

Large-cap with strong market position

EPS GrowthGrowth
28.3%8/10

Earnings expanding 28.3% YoY

Free Cash FlowQuality
$2.63B8/10

Generating 2.6B in free cash flow

TLYS2 strengths · Avg: 9.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

PEG RatioValuation
0.888/10

Growing faster than its price suggests

Areas to Watch

TJX3 concerns · Avg: 3.3/10
P/E RatioValuation
32.8x4/10

Premium valuation, high expectations priced in

Price/BookValuation
17.6x4/10

Trading at 17.6x book value

PEG RatioValuation
3.242/10

Expensive relative to growth rate

TLYS4 concerns · Avg: 2.5/10
Market CapQuality
$127.99M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.7%3/10

Operating margin of 1.7%

Return on EquityProfitability
-18.8%2/10

ROE of -18.8% — below average capital efficiency

EPS GrowthGrowth
-97.4%2/10

Earnings declined 97.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : TJX

The strongest argument for TJX centers on Return on Equity, Altman Z-Score, Market Cap.

Bull Case : TLYS

The strongest argument for TLYS centers on Price/Book, PEG Ratio. PEG of 0.88 suggests the stock is reasonably priced for its growth.

Bear Case : TJX

The primary concerns for TJX are P/E Ratio, Price/Book, PEG Ratio.

Bear Case : TLYS

The primary concerns for TLYS are Market Cap, Operating Margin, Return on Equity.

Key Dynamics to Monitor

TJX profiles as a value stock while TLYS is a turnaround play — different risk/reward profiles.

TLYS carries more volatility with a beta of 1.10 — expect wider price swings.

TJX is growing revenue faster at 8.5% — sustainability is the question.

TJX generates stronger free cash flow (2.6B), providing more financial flexibility.

Bottom Line

TJX scores higher overall (56/100 vs 47/100). 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.

The TJX Companies Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

The TJX Companies, Inc. (abbreviated TJX) is an American multinational off-price department store corporation, headquartered in Framingham, Massachusetts.

Tillys Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Tilly's, Inc. is a specialty retailer of casual clothing, footwear, accessories and consumer goods for young men and women and boys and girls in the United States. The company is headquartered in Irvine, California.

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