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BJ's Wholesale Club HoldingsBJ -0.68%85 Debt-to-Equity is 1.35 as of Apr. 2026, which is 21% below its 10-year median of 1.71. GuruFocus rates BJ with a GF Score™ of 85/100 and a GF Value™ of $99.82 (Fairly Valued). The stock has 1 warning sign investors should review. Among 280 Retail - Defensive companies, BJ's Wholesale Club Holdings ranks worse than 73.93% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for BJ's Wholesale Club Holdings's Debt-to-Equity or its related term are showing as below:
BJ'
s Debt-to-Equity Range Over the Past 10 Years
Min: -70.04 Med: 1.71 Max: 107.47
Current: 1.35
During the past 11 years, the highest Debt-to-Equity Ratio of BJ's Wholesale Club Holdings was 107.47. The lowest was -70.04. And the median was 1.71.
BJ's Debt-to-Equity is ranked worse than 73.93% of 280
companies
in the Retail - Defensive industry
Industry Median: 0.55
vs BJ: 1.35
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
BJ's Wholesale Club Holdings Debt-to-Equity Related Terms
BJ's Wholesale Club Holdings Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, BJ's Wholesale Club Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BJ's Wholesale Club Holdings's Debt-to-Equity 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.
BJ's Wholesale Club Holdings (BJ) has a Debt-to-Equity of 1.35 as of Apr. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BJ's Wholesale Club Holdings and its competitors. This is 21% below median its historical median of 1.71. According to the industry distribution chart, BJ's Wholesale Club Holdings ranks #207 out of 280 companies in the Retail - Defensive industry, placing it in the top 73.9%.
Is BJ's Wholesale Club Holdings' Debt-to-Equity too high?
BJ's Wholesale Club Holdings' current Debt-to-Equity of 1.35 is 21% below median its 10-year median of 1.71. The Retail - Defensive industry median Debt-to-Equity is 0.55. BJ's Wholesale Club Holdings' value of 1.35 is 145.5% above this industry median. Based on the distribution chart, BJ's Wholesale Club Holdings ranks #207 out of 280 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-Equity compare to PSMT and TBBB?
According to the Retail - Defensive industry distribution chart, BJ's Wholesale Club Holdings ranks #207 out of 280 companies for Debt-to-Equity. This places BJ's Wholesale Club Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.55. BJ's Wholesale Club Holdings' value of 1.35 is 145.5% above this benchmark. While the company's 10-year median is 1.71 vs. the industry median of 0.55, 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-Equity for a Retail - Defensive company?
The median Debt-to-Equity among Retail - Defensive companies is 0.55, based on 280 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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-Equity of 1.35 is 145.5% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BJ's Wholesale Club Holdings and its competitors. For the Retail - Defensive industry, the median Debt-to-Equity is 0.55 — 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-Equity is 1.35, which is 21% below median its own 10-year median of 1.71. 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 $99.82, compared to a current price of $97.78 — trading 2% below its estimated fair value. The current Debt-to-Equity is 1.35, which is 21% below median its 10-year median of 1.71 and 145.5% above the Retail - Defensive industry median of 0.55. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For BJ's Wholesale Club Holdings (BJ), the current Debt-to-Equity is 1.35 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 $97.78 is trading 2% below its estimated GF Value™ of $99.82.
GuruFocus considers BJ's Wholesale Club Holdings to be Fairly Valued.
Key valuation signals for BJ:
Debt-to-Equity: 1.35 (21% below median its 10-year median of 1.71)
GF Value™: $99.82 vs. price of $97.78 (2% below fair value)
Industry Position: 145.5% above the Retail - Defensive median (#207 of 280)
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
Get the complete analysis for BJ
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