BJ
BJ's Wholesale Club Holdings Inc
$92.17
▼ 1.9%Updated Today 3:42 PM ET
BJ at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 55/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 20.0% over the last 12 months
Market Cap
$11.39B
P/E
19.93x
Forward P/E (est.)
19.69x
ROE
26.6%
Revenue Growth
5.9%
EPS Growth
1.2%
Profit Margin
2.6%
FCF Yield
6.1%
Debt / Equity
0.3x
ROIC
26.0%
Interest Coverage
—
Current Ratio
0.73x
Dividend Yield
—
Implied Growth (rev. DCF)
5.9%
Rating Score
55/100
BJ's Wholesale Club Holdings Inc (BJ) is a large-cap company in the Retail industry, part of the Consumer Discretionary sector of the S&P 500, with a market value around $11.39B.
In its latest reported year it generated about $21.46B in revenue and $578.38M in net profit.
Our model rates BJ Neutral (55/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
The filed history looks like a business competitors struggle to attack: high and steady margins, revenue that grows through cycles, and strong returns on capital.
3.9% average over the last 3 years
±0.9 pts around 3.2% across 10 years
grew in 9 of the last 9 year-over-year periods
positive in 10 of 10 years
26.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what BJ's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. BJ trades near $92.17, around its 50-day average ($90.58) and 200-day average ($93.25). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 42 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. BJ's is $2.55 (~2.8% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month BJ found buyers near $83.21 (support) and sellers near $93.25 (resistance); its 52-week range is $83.21–$110.92. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.2× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
6.5%
Revenue moved from $12.35B in 2017 to $21.46B in 2026, a 6.3% compound annual growth rate. The most recent year grew a steady 5.9% year over year. Slower, mature growth is common for established businesses.
Gross Margin
18.5%
Operating Margin
3.8%
Net Margin
2.7%
ROE
26.6%
BJ's Wholesale Club Holdings Inc keeps about 2.6% of each sales dollar as net profit, with a 18.5% gross margin and 3.8% operating margin. Return on equity is 26.6% and return on invested capital about 26.0%. Thin margins leave less cushion if costs rise.
Total Debt
$399.17M
Net Debt
$371.35M
Net Debt / EBITDA
0.45x
Debt / Equity
0.3x
Leverage: debt-to-equity is 0.3x, with a current ratio of 0.7x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $399.17M of total debt against $27.83M of cash.
Operating CF
$1.03B
Free Cash Flow
$328.01M
FCF Margin
1.5%
In the latest year BJ's Wholesale Club Holdings Inc produced about $1.03B of operating cash flow and $328.01M of free cash flow after capital spending. That is a free-cash-flow yield of about 6.1% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Total paid (latest FY)
$25.00K
History on record
9 years
dividend uses 0% of free cash flow
0% of net income paid out
no current raise streak
payout was cut at least once in the last 9 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
19.93x
P/S
0.53x
P/B
5.5x
EV / EBITDA
10.64x
BJ trades at 19.9x trailing earnings (about 19.7x on estimated forward earnings), 0.5x sales, and 5.5x book value. Reverse-engineering today's price implies the market expects roughly 5.9% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$49.15
Current price
$92.17
Starting FCF (latest 10-K)
$328.01M
Growth, years 1–5
5.9%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where BJ sits versus its Consumer Discretionary sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 85 Consumer Discretionary companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How BJ stacks up against its Consumer Discretionary peers — valuation, profitability, and growth versus the sector median.
In the Consumer Discretionary sector (158 S&P 500 companies), BJ ranks #31 of 158 by our overall rating. It trades at a discount versus the sector on earnings (19.9x P/E vs. 25.1x median) with a higher return on equity (26.6% vs. 26.2%) and slower revenue growth (5.9% vs. 6.8%).
P/E vs sector
19.9x
median 25.1x
ROE vs sector
26.6%
median 26.2%
Growth vs sector
5.9%
median 6.8%
Sector rank
#31
of 158 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Consumer Discretionary companies by sub-industry and size. Sector median is across all 158 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $92.17 today · expected CAGR -2% – 9%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $22.74B | $24.11B | $25.56B | $27.09B | $28.71B |
| Net income | $682.34M | $723.28M | $766.68M | $812.68M | $861.44M |
| EPS | $5.52 | $5.85 | $6.21 | $6.58 | $6.97 |
| Share price (low) | $66.27 | $70.25 | $74.46 | $78.93 | $83.67 |
| Share price (high) | $110.45 | $117.08 | $124.11 | $131.55 | $139.45 |
| CAGR (low–high) | -28% / 20% | -13% / 13% | -7% / 10% | -4% / 9% | -2% / 9% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for BJ:
- Strong return on equity (26.6%) shows capital is put to work well.
- Healthy free-cash-flow yield (~6.1%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.3x) lowers risk.
The case against BJ:
- Thin net margins (2.6%) leave little room for error.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Margin risk — thin profitability (2.6%) is vulnerable to cost or pricing pressure.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: BJ's Wholesale Club Holdings Inc is a large-cap consumer discretionary business growing at a mature pace, with modest profitability, and a sound balance sheet. It trades at 19.9x earnings, which our model scores Neutral (55/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 32 Wall Street analysts covering BJ recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-3 pts of buy ratings).
Latest SEC Filings
BJ's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
BJ — frequently asked questions
Is BJ a good stock to buy?
We don't give buy or sell advice. Our model rates BJ's Wholesale Club Holdings Inc Neutral (55/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is BJ's rating on The Stocks School?
BJ's Wholesale Club Holdings Inc currently scores 55/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does BJ's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from BJ's Wholesale Club Holdings Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for BJ calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this BJ analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell BJ. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.