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BJ · NYSE · United States · Retail-Variety Stores
In shortBJ's Wholesale Club Holdings, Inc. is profitable, generates cash and carries moderate debt, with revenue growing (+4.7% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 3.8% | 29/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 2.7% | 31/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 28.6% | 100/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 22.5% | 100/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 0.75× | 0/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.24× | 98/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 0.43× | 100/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 25.57× | 100/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 1.09 | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 1.5% | 26/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.57× | 33/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 5.4% | 91/100 |
| Operating margin volatility | 0.1% | 100/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 3.6% | 36/100 |
|---|---|---|
| EPS growth, 3-year average | 5.2% | 51/100 |
Weight in the score: 10%
Fiscal year 2026 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 16,667 | 19,315 | 19,969 | 20,502 | 21,457 |
| Cost of revenue | 13,589 | 15,884 | 16,326 | 16,737 | 17,458 |
| Gross profit | 3,079 | 3,431 | 3,643 | 3,764 | 4,000 |
| Selling, general & admin | 2,446 | 2,669 | 2,823 | 2,964 | 3,154 |
| Operating income | 617 | 738 | 800 | 772 | 817 |
| Interest expense | 45 | 38 | 58 | 43 | 32 |
| Pre-tax income | 558 | 691 | 736 | 721 | 774 |
| Income tax | 131 | 176 | 212 | 186 | 196 |
| Net income | 427 | 513 | 524 | 534 | 578 |
| Diluted EPS | $3.09 | $3.76 | $3.88 | $4.00 | $4.38 |
| Diluted shares (millions) | 138 | 136 | 135 | 134 | 132 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
1.09 Distress zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
8/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Aug 1, 2026 · Data updated Aug 25, 2026