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BJ's Wholesale Club BJ

BJ's Wholesale Club scores average on business quality (5.7 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$98.58Oct 10, 2026
Business qualityAverage
Next earningsNov 19, 2026
Insiders, 90 daysSelling

Why it matters

  1. What BJ's Wholesale Club does

    BJ's Wholesale Club operates membership-only warehouse clubs, making its money primarily through annual membership fees and high-volume discount retail sales to everyday consumers. The business is expanding its footprint by opening new club locations to drive member acquisition.

  2. What it does best

    BJ's excels at generating strong returns on equity, reaching 27.4% compared to Dollar General's 19.6%, driven by efficient inventory turnover and membership fee income.

  3. The main risk

    Intense competition from established warehouse giants like Costco threatens market share gains in core retail segments.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Gross margin sits at 18.2% with an operating margin of 3.8%, reflecting stable discount retail economics where efficiency dictates returns.

MoatStrong

Membership lock-in creates a reliable consumer moat, backed by a top-quartile ROE of 27.4% that rivals struggle to match quickly due to capital requirements.

GrowthSlow

Revenue growth is tracking at 4.7% annually, showing steady top-line gains that align with historical club expansion rates.

Financial healthStrong

Debt-to-equity sits at 0.3 with interest coverage at 18.5x, meaning debt costs are easily managed. Free cash flow reached $359M, getting stronger as operations scale.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

3 sold $887K outside pre-planned sales.

Our sealed record on BJ

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is BJ a good business?

BJ's Wholesale Club scores average on the Cluenex quality check (5.7 of 10), measured against its own industry. Profitability is weak, moat strong, growth slow and financial health strong.

Are insiders buying BJ?

In the last 90 days of SEC Form 4 filings: 3 sold $887K outside pre-planned sales.

When does BJ report earnings?

Nov 19, 2026.

For members

See BJ today

  • Today's verdict on BJ, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “BJ's Wholesale Club (BJ)”, https://cluenex.com/stocks/bj/, data as of Oct 10, 2026.