BJs Wholesale Club Holdings Financials

Source SEC Filings (10-K/10-Q) Updated Nov 1, 2025 Currency USD FYE February

Financial Health Signals

Financial Profile 46/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

BJs Wholesale Club Holdings has an operating margin of 3.8%, meaning the company retains $4 of operating profit per $100 of revenue. This below-average margin results in a low score of 19/100, suggesting thin profitability after operating expenses. This is down from 4.0% the prior year.

Growth

BJs Wholesale Club Holdings's revenue grew a modest 2.7% year-over-year to $20.5B. This slow but positive growth earns a score of 36/100.

Leverage

100

BJs Wholesale Club Holdings carries a low D/E ratio of 0.20, meaning only $0.20 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

BJs Wholesale Club Holdings's current ratio of 0.77 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 11/100, which could limit financial flexibility.

Cash Flow

BJs Wholesale Club Holdings's free cash flow margin of 1.5% results in a low score of 8/100. Capital expenditures of $588.0M absorb a large share of operating cash flow.

Returns

100

BJs Wholesale Club Holdings earns a strong 27.1% return on equity (ROE), meaning it generates $27 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is down from 34.3% the prior year.

Altman Z-Score Safe

5.04

BJs Wholesale Club Holdings scores 5.04, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Piotroski F-Score Strong

7/9

BJs Wholesale Club Holdings passes 7 of 9 financial strength tests. 3 of 4 profitability signals pass, all 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

1.69x

For every $1 of reported earnings, BJs Wholesale Club Holdings generates $1.69 in operating cash flow ($900.9M OCF vs $534.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Safe

18.1x

BJs Wholesale Club Holdings earns $18.1 in operating income for every $1 of interest expense ($772.2M vs $42.7M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

This page shows BJs Wholesale Club Holdings (BJ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$20.5B

YoY+2.7%

5Y CAGR+9.2%

BJs Wholesale Club Holdings generated $20.5B in revenue in fiscal year 2025. This represents an increase of 2.7% from the prior year.

EBITDA

$1.0B

YoY+0.6%

5Y CAGR+15.2%

BJs Wholesale Club Holdings's EBITDA was $1.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 0.6% from the prior year.

Free Cash Flow

$312.9M

YoY+24.3%

5Y CAGR+14.6%

BJs Wholesale Club Holdings generated $312.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 24.3% from the prior year.

Net Income

$534.4M

YoY+2.0%

5Y CAGR+23.3%

BJs Wholesale Club Holdings reported $534.4M in net income in fiscal year 2025. This represents an increase of 2.0% from the prior year.

EPS (Diluted)

$4.00

YoY+3.1%

5Y CAGR+24.3%

BJs Wholesale Club Holdings earned $4.00 per diluted share (EPS) in fiscal year 2025. This represents an increase of 3.1% from the prior year.

Cash & Debt

$39.5M

YoY+12.5%

5Y CAGR-21.6%

BJs Wholesale Club Holdings held $39.5M in cash against $398.9M in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

132M

YoY-1.0%

5Y CAGR-0.8%

BJs Wholesale Club Holdings had 132M shares outstanding in fiscal year 2025. This represents a decrease of 1.0% from the prior year.

Gross Margin

18.4%

YoY+0.1pp

5Y CAGR-0.0pp

BJs Wholesale Club Holdings's gross margin was 18.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 0.1 percentage points from the prior year.

Operating Margin

3.8%

YoY-0.2pp

5Y CAGR+1.1pp

BJs Wholesale Club Holdings's operating margin was 3.8% in fiscal year 2025, reflecting core business profitability. This is down 0.2 percentage points from the prior year.

Net Margin

2.6%

YoY-0.0pp

5Y CAGR+1.2pp

BJs Wholesale Club Holdings's net profit margin was 2.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.0 percentage points from the prior year.

Return on Equity

27.1%

YoY-7.2pp

5Y CAGR-548.9pp

BJs Wholesale Club Holdings's ROE was 27.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 7.2 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$219.6M

YoY+41.5%

5Y CAGR+26.7%

BJs Wholesale Club Holdings spent $219.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 41.5% from the prior year.

Capital Expenditures

$588.0M

YoY+25.9%

5Y CAGR+24.5%

BJs Wholesale Club Holdings invested $588.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 25.9% from the prior year.

BJ Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$20.5B+2.7%	$20.0B+3.4%	$19.3B+15.9%	$16.7B+8.0%	$15.4B+17.0%	$13.2B
Cost of Revenue	$16.7B+2.5%	$16.3B+2.8%	$15.9B+16.9%	$13.6B+9.1%	$12.5B+15.7%	$10.8B
Gross Profit	$3.8B+3.3%	$3.6B+6.2%	$3.4B+11.5%	$3.1B+3.3%	$3.0B+22.8%	$2.4B
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$3.0B+5.0%	$2.8B+5.8%	$2.7B+9.1%	$2.4B+5.1%	$2.3B+13.0%	$2.1B
Operating Income	$772.2M-3.5%	$800.4M+8.5%	$738.0M+19.5%	$617.3M-3.9%	$642.4M+82.4%	$352.2M
Interest Expense	$42.7M-26.6%	$58.2M+55.1%	$37.5M-16.8%	$45.1M-30.6%	$65.1M-32.7%	$96.7M
Income Tax	$186.4M-12.2%	$212.2M+20.4%	$176.3M+34.4%	$131.1M-4.2%	$136.8M+143.4%	$56.2M
Net Income	$534.4M+2.0%	$523.7M+2.1%	$513.2M+20.3%	$426.7M+1.3%	$421.0M+124.9%	$187.2M
EPS (Diluted)	$4.00+3.1%	$3.88+3.2%	$3.76+21.7%	$3.09+2.0%	$3.03+124.4%	$1.35

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'24	Q3'23
Revenue	$5.3B-0.6%	$5.4B+4.4%	$5.2B+1.1%	$5.1B-2.0%	$5.2B+5.8%	$4.9B-8.2%	$5.4B+8.8%	$4.9B
Cost of Revenue	$4.3B-0.9%	$4.4B+4.5%	$4.2B+1.5%	$4.1B-2.9%	$4.2B+5.3%	$4.0B-8.2%	$4.4B+9.2%	$4.0B
Gross Profit	$1.0B+0.8%	$1.0B+3.8%	$969.5M-0.6%	$975.5M+2.0%	$956.6M+8.3%	$883.4M-8.3%	$963.3M+6.7%	$902.5M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$788.2M+0.2%	$786.4M+3.3%	$760.9M+3.7%	$733.6M-2.2%	$750.3M+4.0%	$721.8M-2.6%	$741.1M+6.3%	$697.1M
Operating Income	$218.4M+0.8%	$216.5M+6.3%	$203.6M-11.2%	$229.4M+12.6%	$203.7M+26.7%	$160.8M-24.9%	$214.0M+7.3%	$199.4M
Interest Expense	$10.3M-0.8%	$10.4M-6.4%	$11.1M-11.9%	$12.6M-1.3%	$12.8M-8.6%	$14.0M-41.7%	$23.9M+32.9%	$18.0M
Income Tax	$56.0M+1.0%	$55.4M+29.6%	$42.8M-29.9%	$61.0M+32.9%	$45.9M+28.4%	$35.8M-31.9%	$52.6M+3.3%	$50.9M
Net Income	$152.1M+0.9%	$150.7M+0.6%	$149.8M-3.8%	$155.7M+7.4%	$145.0M+30.6%	$111.0M-23.9%	$145.9M+11.8%	$130.5M
EPS (Diluted)	$1.15+0.9%	$1.14+0.9%	$1.13-3.4%	$1.17+8.3%	$1.08+30.1%	$0.83-23.9%	$1.09+12.4%	$0.97

BJ Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$7.2B+4.9%	$6.8B+5.1%	$6.5B+8.1%	$6.0B+10.3%	$5.4B+2.3%	$5.3B
Current Assets	$1.9B+2.7%	$1.9B+2.0%	$1.8B+4.1%	$1.8B+23.2%	$1.4B+2.7%	$1.4B
Cash & Equivalents	$39.5M+12.5%	$35.1M+50.1%	$23.4M-38.4%	$38.0M-62.0%	$100.0M-24.8%	$132.9M
Inventory	$1.6B+2.2%	$1.5B+0.1%	$1.5B+4.8%	$1.5B+30.5%	$1.1B+9.3%	$1.0B
Accounts Receivable	$240.4M+6.8%	$225.2M+3.4%	$217.9M+3.5%	$210.4M+6.3%	$198.0M+2.1%	$193.9M
Goodwill	$1.0B0.0%	$1.0B0.0%	$1.0B+9.2%	$924.1M0.0%	$924.1M0.0%	$924.1M
Total Liabilities	$5.2B-2.1%	$5.3B-1.2%	$5.4B+1.4%	$5.3B+5.0%	$5.0B-4.9%	$5.3B
Current Liabilities	$2.5B-0.6%	$2.5B-3.6%	$2.6B+18.6%	$2.2B+8.5%	$2.0B+18.4%	$1.7B
Long-Term Debt	$398.9M+0.1%	$398.5M-11.0%	$448.0M-40.2%	$749.0M+0.2%	$747.3M-44.0%	$1.3B
Total Equity	$2.0B+29.1%	$1.5B+35.0%	$1.1B+56.9%	$721.3M+74.4%	$413.5M+1172.5%	$32.5M
Retained Earnings	$1.9B+44.8%	$1.3B+68.2%	$760.6M+212.0%	$243.8M+214.0%	-$213.8M+65.6%	-$620.6M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'24	Q3'23
Total Assets	$7.5B+4.3%	$7.2B+1.0%	$7.2B-0.8%	$7.2B+4.1%	$6.9B+1.5%	$6.8B+2.2%	$6.7B-2.3%	$6.8B
Current Assets	$2.1B+10.4%	$1.9B0.0%	$1.9B-8.0%	$2.1B+9.5%	$1.9B+1.9%	$1.9B+4.7%	$1.8B-10.3%	$2.0B
Cash & Equivalents	$45.1M-4.6%	$47.3M+19.7%	$39.5M+16.6%	$33.9M-11.0%	$38.1M+8.4%	$35.1M-2.6%	$36.0M+7.4%	$33.6M
Inventory	$1.7B+11.4%	$1.5B-3.0%	$1.6B-8.9%	$1.7B+11.2%	$1.5B+0.8%	$1.5B+5.4%	$1.5B-12.5%	$1.7B
Accounts Receivable	$299.3M+10.5%	$270.9M+12.7%	$240.4M-9.9%	$266.7M+7.3%	$248.5M+10.3%	$225.2M-4.1%	$234.8M+4.6%	$224.5M
Goodwill	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B
Total Liabilities	$5.4B+4.7%	$5.1B-1.0%	$5.2B-4.9%	$5.5B+3.4%	$5.3B-0.4%	$5.3B+1.5%	$5.2B-4.8%	$5.5B
Current Liabilities	$2.7B+10.9%	$2.4B-3.0%	$2.5B-8.4%	$2.7B+8.6%	$2.5B-0.1%	$2.5B+2.3%	$2.5B-9.9%	$2.7B
Long-Term Debt	$399.0M0.0%	$399.0M0.0%	$398.9M+0.1%	$398.7M0.0%	$398.6M0.0%	$398.5M0.0%	$398.4M0.0%	$398.4M
Total Equity	$2.2B+3.5%	$2.1B+6.5%	$2.0B+11.9%	$1.8B+6.5%	$1.7B+8.3%	$1.5B+4.7%	$1.5B+7.8%	$1.4B
Retained Earnings	$2.2B+7.6%	$2.0B+8.1%	$1.9B+17.2%	$1.6B+10.9%	$1.4B+11.3%	$1.3B+9.5%	$1.2B+14.3%	$1.0B

BJ Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$900.9M+25.3%	$718.9M-8.8%	$788.2M-5.2%	$831.7M-4.2%	$868.5M+144.6%	$355.1M
Capital Expenditures	$588.0M+25.9%	$467.1M+17.4%	$397.8M+22.9%	$323.6M+48.2%	$218.3M+10.9%	$196.9M
Free Cash Flow	$312.9M+24.3%	$251.8M-35.5%	$390.4M-23.2%	$508.1M-21.9%	$650.2M+310.9%	$158.2M
Investing Cash Flow	-$589.6M-29.6%	-$454.8M+39.1%	-$747.1M-145.3%	-$304.5M-58.2%	-$192.4M-9.8%	-$175.3M
Financing Cash Flow	-$319.1M-21.8%	-$262.0M-397.8%	-$52.6M+90.0%	-$525.2M+20.8%	-$662.8M-274.9%	-$176.8M
Dividends Paid	$25K0.0%	$25K0.0%	$25K0.0%	$25K0.0%	$25K0.0%	$25K
Share Buybacks	$219.6M+41.5%	$155.2M-9.9%	$172.3M-11.3%	$194.3M+83.0%	$106.2M+57.8%	$67.3M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'24	Q3'23
Operating Cash Flow	$181.1M-27.5%	$249.9M+20.1%	$208.1M+0.6%	$206.8M-6.6%	$221.4M+10.2%	$200.8M-26.8%	$274.4M+56.7%	$175.0M
Capital Expenditures	$194.9M+17.7%	$165.6M+17.8%	$140.5M-25.2%	$187.9M+40.4%	$133.9M+26.6%	$105.7M-11.2%	$119.1M-10.9%	$133.7M
Free Cash Flow	-$13.7M-116.3%	$84.3M+24.7%	$67.6M+259.1%	$18.8M-78.5%	$87.5M-8.0%	$95.1M-38.7%	$155.2M+275.7%	$41.3M
Investing Cash Flow	-$195.0M-19.0%	-$163.9M-15.2%	-$142.3M+24.3%	-$187.9M-40.4%	-$133.9M-26.6%	-$105.7M+11.2%	-$119.1M+6.5%	-$127.4M
Financing Cash Flow	$11.7M+115.0%	-$78.2M-43.3%	-$54.6M-137.3%	-$23.0M+72.8%	-$84.5M+12.0%	-$96.1M+37.1%	-$152.7M-279.0%	-$40.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$87.3M+109.9%	$41.6M+0.7%	$41.3M-28.9%	$58.1M+36.0%	$42.7M-25.4%	$57.3M+7.3%	$53.4M+266.8%	$14.5M

BJ Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	18.4%+0.1pp	18.2%+0.5pp	17.8%-0.7pp	18.5%-0.8pp	19.3%+0.9pp	18.4%
Operating Margin	3.8%-0.2pp	4.0%+0.2pp	3.8%+0.1pp	3.7%-0.5pp	4.2%+1.5pp	2.7%
Net Margin	2.6%0.0pp	2.6%-0.0pp	2.7%+0.1pp	2.6%-0.2pp	2.7%+1.3pp	1.4%
Return on Equity	27.1%-7.2pp	34.3%-11.1pp	45.3%-13.8pp	59.2%-42.7pp	101.8%-474.2pp	576.0%
Return on Assets	7.5%-0.2pp	7.7%-0.2pp	7.9%+0.8pp	7.1%-0.6pp	7.7%+4.2pp	3.5%
Current Ratio	0.77+0.0	0.74+0.0	0.70-0.1	0.80+0.1	0.71-0.1	0.81
Debt-to-Equity	0.20-0.1	0.26-0.1	0.40-0.6	1.04-0.8	1.81-39.3	41.07
FCF Margin	1.5%+0.3pp	1.3%-0.8pp	2.0%-1.0pp	3.0%-1.2pp	4.2%+3.0pp	1.2%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'24	Q3'23
Gross Margin	19.0%+0.3pp	18.7%-0.1pp	18.8%-0.3pp	19.1%+0.8pp	18.4%+0.4pp	18.0%-0.0pp	18.0%-0.4pp	18.3%
Operating Margin	4.1%+0.1pp	4.0%+0.1pp	4.0%-0.5pp	4.5%+0.6pp	3.9%+0.6pp	3.3%-0.7pp	4.0%-0.1pp	4.0%
Net Margin	2.8%+0.0pp	2.8%-0.1pp	2.9%-0.1pp	3.0%+0.3pp	2.8%+0.5pp	2.3%-0.5pp	2.7%+0.1pp	2.6%
Return on Equity	7.0%-0.2pp	7.2%-0.4pp	7.6%-1.2pp	8.8%+0.1pp	8.8%+1.5pp	7.3%-2.7pp	10.0%+0.4pp	9.6%
Return on Assets	2.0%-0.1pp	2.1%0.0pp	2.1%-0.1pp	2.2%+0.1pp	2.1%+0.5pp	1.6%-0.6pp	2.2%+0.3pp	1.9%
Current Ratio	0.790.0	0.79+0.0	0.770.0	0.760.0	0.76+0.0	0.74+0.0	0.730.0	0.73
Debt-to-Equity	0.180.0	0.19-0.0	0.20-0.0	0.23-0.0	0.24-0.0	0.26-0.0	0.27-0.0	0.29
FCF Margin	-0.3%-1.8pp	1.6%+0.3pp	1.3%+0.9pp	0.4%-1.3pp	1.7%-0.3pp	1.9%-1.0pp	2.9%+2.1pp	0.8%

Note: The current ratio is below 1.0 (0.77), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

What is BJs Wholesale Club Holdings's annual revenue?

BJs Wholesale Club Holdings (BJ) reported $20.5B in total revenue for fiscal year 2025. This represents a 2.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is BJs Wholesale Club Holdings's revenue growing?

BJs Wholesale Club Holdings (BJ) revenue grew by 2.7% year-over-year, from $20.0B to $20.5B in fiscal year 2025.

Is BJs Wholesale Club Holdings profitable?

Yes, BJs Wholesale Club Holdings (BJ) reported a net income of $534.4M in fiscal year 2025, with a net profit margin of 2.6%.

What is BJs Wholesale Club Holdings's earnings per share (EPS)?

BJs Wholesale Club Holdings (BJ) reported diluted earnings per share of $4.00 for fiscal year 2025. This represents a 3.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is BJs Wholesale Club Holdings's EBITDA?

BJs Wholesale Club Holdings (BJ) had EBITDA of $1.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does BJs Wholesale Club Holdings have?

As of fiscal year 2025, BJs Wholesale Club Holdings (BJ) had $39.5M in cash and equivalents against $398.9M in long-term debt.

What is BJs Wholesale Club Holdings's gross margin?

BJs Wholesale Club Holdings (BJ) had a gross margin of 18.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is BJs Wholesale Club Holdings's operating margin?

BJs Wholesale Club Holdings (BJ) had an operating margin of 3.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is BJs Wholesale Club Holdings's net profit margin?

BJs Wholesale Club Holdings (BJ) had a net profit margin of 2.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is BJs Wholesale Club Holdings's return on equity (ROE)?

BJs Wholesale Club Holdings (BJ) has a return on equity of 27.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is BJs Wholesale Club Holdings's free cash flow?

BJs Wholesale Club Holdings (BJ) generated $312.9M in free cash flow during fiscal year 2025. This represents a 24.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is BJs Wholesale Club Holdings's operating cash flow?

BJs Wholesale Club Holdings (BJ) generated $900.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are BJs Wholesale Club Holdings's total assets?

BJs Wholesale Club Holdings (BJ) had $7.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are BJs Wholesale Club Holdings's capital expenditures?

BJs Wholesale Club Holdings (BJ) invested $588.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does BJs Wholesale Club Holdings buy back shares?

Yes, BJs Wholesale Club Holdings (BJ) spent $219.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does BJs Wholesale Club Holdings have outstanding?

BJs Wholesale Club Holdings (BJ) had 132M shares outstanding as of fiscal year 2025.

What is BJs Wholesale Club Holdings's current ratio?

BJs Wholesale Club Holdings (BJ) had a current ratio of 0.77 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

What is BJs Wholesale Club Holdings's debt-to-equity ratio?

BJs Wholesale Club Holdings (BJ) had a debt-to-equity ratio of 0.20 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is BJs Wholesale Club Holdings's return on assets (ROA)?

BJs Wholesale Club Holdings (BJ) had a return on assets of 7.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is BJs Wholesale Club Holdings's Altman Z-Score?

BJs Wholesale Club Holdings (BJ) has an Altman Z-Score of 5.04, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is BJs Wholesale Club Holdings's Piotroski F-Score?

BJs Wholesale Club Holdings (BJ) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are BJs Wholesale Club Holdings's earnings high quality?

BJs Wholesale Club Holdings (BJ) has an earnings quality ratio of 1.69x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can BJs Wholesale Club Holdings cover its interest payments?

BJs Wholesale Club Holdings (BJ) has an interest coverage ratio of 18.1x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is BJs Wholesale Club Holdings?

BJs Wholesale Club Holdings (BJ) scores 46 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.