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BJ's Wholesale Club Holdings has the Financial Strength Rank of 6.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
BJ's Wholesale Club Holdings's Interest Coverage for the quarter that ended in Jul. 2026 was 19.78.
BJ's Wholesale Club Holdings's debt to revenue ratio for the quarter that ended in Jul. 2026 was 0.11.
As of today, BJ's Wholesale Club Holdings's Altman Z-Score is 4.57.
BJ's Wholesale Club Holdings (NYSE:BJ) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
BJ's Wholesale Club Holdings has the Financial Strength Rank of 6.
BJ's Wholesale Club Holdings Financial Strength Related Terms
BJ vs TBBB, PSMT, OLLI: Financial Strength Comparison
For the Discount Stores subindustry, BJ's Wholesale Club Holdings's Financial Strength, along with its competitors' market caps and Financial Strength 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 Financial Strength vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, BJ's Wholesale Club Holdings's Financial Strength distribution charts can be found below:
* The bar in red indicates where BJ's Wholesale Club Holdings's Financial Strength falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
BJ's Wholesale Club Holdings has a Z-score of 4.57, indicating it is in Safe Zones. This implies the Z-Score is strong.
Good Sign:
Altman Z-score of 4.57 is strong.
* 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 Financial Strength of 6 as of Jul. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on BJ's Wholesale Club Holdings and its competitors. This is 20% above median its historical median of 5.00. Over the past decade, BJ's Wholesale Club Holdings' Financial Strength has ranged from 3.00 to 6.00.
Is BJ's Wholesale Club Holdings' Financial Strength too high?
BJ's Wholesale Club Holdings' current Financial Strength of 6 is 20% above median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 6.00. Overall, BJ's Wholesale Club Holdings has a GF Score™ of 89/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BJ's Wholesale Club Holdings' Financial Strength compare to TBBB and PSMT?
BJ's Wholesale Club Holdings' Financial Strength of 6 can be compared against companies in the Retail - Defensive industry. Historically, BJ's Wholesale Club Holdings' own Financial Strength has ranged from 3.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Retail - Defensive company?
A good Financial Strength depends on the Retail - Defensive industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on BJ's Wholesale Club Holdings and its competitors. BJ's Wholesale Club Holdings's current Financial Strength is 6, which is 20% above median its own 10-year median of 5.00. 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 Modestly Undervalued. The stock's GF Value™ is $103.20, compared to a current price of $93.19 — trading 9.7% below its estimated fair value. The current Financial Strength is 6, which is 20% above median its 10-year median of 5.00. BJ's Wholesale Club Holdings' overall GF Score™ is 89/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For BJ's Wholesale Club Holdings (BJ), the current Financial Strength is 6 as of Jul. 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 $93.19 is trading 9.7% below its estimated GF Value™ of $103.20.
GuruFocus considers BJ's Wholesale Club Holdings to be Modestly Undervalued.
Key valuation signals for BJ:
Financial Strength: 6 (20% above median its 10-year median of 5.00)
GF Value™: $103.20 vs. price of $93.19 (9.7% below fair value)
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.
89GF Score
Get the complete analysis for BJ
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