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BJ's Wholesale Club HoldingsBJ -0.64%85 Debt-to-EBITDA is 2.52 as of Apr. 2026, which is 36% below its 10-year median of 3.91. GuruFocus rates BJ with a GF Score™ of 85/100 and a GF Value™ of $99.55 (Fairly Valued). The stock has 1 warning sign investors should review. Among 256 Retail - Defensive companies, BJ's Wholesale Club Holdings ranks worse than 57.03% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for BJ's Wholesale Club Holdings's Debt-to-EBITDA or its related term are showing as below:
BJ'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.47 Med: 3.91 Max: 7.69
Current: 2.57
During the past 11 years, the highest Debt-to-EBITDA Ratio of BJ's Wholesale Club Holdings was 7.69. The lowest was 2.47. And the median was 3.91.
BJ's Debt-to-EBITDA is ranked worse than 57.03% of 256
companies
in the Retail - Defensive industry
Industry Median: 2.215
vs BJ: 2.57
BJ's Wholesale Club Holdings (NYSE:BJ) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
BJ's Wholesale Club Holdings Debt-to-EBITDA Related Terms
BJ's Wholesale Club Holdings Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Discount Stores subindustry, BJ's Wholesale Club Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
BJ's Wholesale Club Holdings Debt-to-EBITDA vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, BJ's Wholesale Club Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where BJ's Wholesale Club Holdings's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Apr. 2026) EBITDA data.
BJ's Wholesale Club Holdings (BJ) has a Debt-to-EBITDA of 2.52 as of Apr. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on BJ's Wholesale Club Holdings. This is 36% below median its historical median of 3.91. Over the past decade, BJ's Wholesale Club Holdings' Debt-to-EBITDA has ranged from 2.47 to 7.69. According to the industry distribution chart, BJ's Wholesale Club Holdings ranks #146 out of 256 companies in the Retail - Defensive industry, placing it in the top 57%.
Is BJ's Wholesale Club Holdings' Debt-to-EBITDA too high?
BJ's Wholesale Club Holdings' current Debt-to-EBITDA of 2.52 is 36% below median its 10-year median of 3.91. Over the past 10 years, this metric has ranged from a low of 2.47 to a high of 7.69. The Retail - Defensive industry median Debt-to-EBITDA is 2.22. BJ's Wholesale Club Holdings' value of 2.52 is 13.8% above this industry median. Based on the distribution chart, BJ's Wholesale Club Holdings ranks #146 out of 256 companies in the Retail - Defensive industry, which is below the industry midpoint. Overall, BJ's Wholesale Club Holdings has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BJ's Wholesale Club Holdings' Debt-to-EBITDA compare to PSMT and TBBB?
According to the Retail - Defensive industry distribution chart, BJ's Wholesale Club Holdings ranks #146 out of 256 companies for Debt-to-EBITDA. This places BJ's Wholesale Club Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 2.22. BJ's Wholesale Club Holdings' value of 2.52 is 13.8% above this benchmark. Historically, BJ's Wholesale Club Holdings' own Debt-to-EBITDA has ranged from 2.47 to 7.69 over the past decade. While the company's 10-year median is 3.91 vs. the industry median of 2.22, BJ's Wholesale Club Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Retail - Defensive company?
The median Debt-to-EBITDA among Retail - Defensive companies is 2.22, based on 256 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BJ's Wholesale Club Holdings's current Debt-to-EBITDA of 2.52 is 13.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on BJ's Wholesale Club Holdings. For the Retail - Defensive industry, the median Debt-to-EBITDA is 2.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BJ's Wholesale Club Holdings's current Debt-to-EBITDA is 2.52, which is 36% below median its own 10-year median of 3.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BJ's Wholesale Club Holdings stock overvalued right now?
Based on GuruFocus' analysis, BJ's Wholesale Club Holdings (BJ) is currently considered Fairly Valued. The stock's GF Value™ is $99.55, compared to a current price of $91.29 — trading 8.3% below its estimated fair value. The current Debt-to-EBITDA is 2.52, which is 36% below median its 10-year median of 3.91 and 13.8% above the Retail - Defensive industry median of 2.22. BJ's Wholesale Club Holdings' overall GF Score™ is 85/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For BJ's Wholesale Club Holdings (BJ), the current Debt-to-EBITDA is 2.52 as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is BJ's Wholesale Club Holdings (BJ) Overvalued in 2026?
Based on GuruFocus' analysis, BJ's Wholesale Club Holdings stock appears to be undervalued.
The current stock price of $91.29 is trading 8.3% below its estimated GF Value™ of $99.55.
GuruFocus considers BJ's Wholesale Club Holdings to be Fairly Valued.
Key valuation signals for BJ:
Debt-to-EBITDA: 2.52 (36% below median its 10-year median of 3.91)
GF Value™: $99.55 vs. price of $91.29 (8.3% below fair value)
Industry Position: 13.8% above the Retail - Defensive median (#146 of 256)
No single metric tells the full story. See the BJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BJ's Wholesale Club, founded in 1984, operates a membership-based warehouse club model primarily along the US East Coast, with roughly 260 clubs and a growing domestic presence across 21 states. In fiscal 2025, the company generated over $21 billion in revenue. BJ's offers a value-oriented assortment skewed toward grocery, perishables, and consumables (72% of sales), general merchandise (11%), and gasoline (17%). Its business model is supported by recurring membership fee income and private-label brands such as Wellsley Farms and Berkley Jensen.
85GF Score
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