Is BJ or PSMT more undervalued in 2026?

CirclFi compares BJ's Wholesale Club Holdings, I (BJ) and PriceSmart, Inc. (PSMT) using 13 institutional-grade valuation models. BJ has a Quality of Company score of 9.4/10 while PSMT scores 9.2/10.

Which is a better buy — BJ or PSMT?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do BJ and PSMT valuations compare?

BJ at $86.00 and PSMT at $171.53 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

BJ vs PSMT Valuation Comparison 2026 — Intrinsic Value Analysis

BJ

Discount Stores

BJ's Wholesale Club Holdings, I

Quality

9.4

out of 10

Value Trap

SAFE

Price

$86.00

Last close

Models

12/13

Active

PSMT

Discount Stores

PriceSmart, Inc.

Quality

9.2

out of 10

Value Trap

SAFE

Price

$171.53

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	BJ Fair Value	BJ Upside	PSMT Fair Value	PSMT Upside
Bayesian DCF	Intrinsic	$15.03	-82.5%	$13.85	-91.9%
Earnings Power Value	Intrinsic	$17.35	-79.8%	$46.54	-72.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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BJ vs PSMT — Which Stock Is More Undervalued?

BJ scores higher with a 9.4/10 quality rating vs PSMT's 9.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing BJ's Wholesale Club Holdings, I (BJ) and PriceSmart, Inc. (PSMT) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

BJ currently trades at $86.00 with a QOC of 9.4/10, while PSMT trades at $171.53 with a QOC of 9.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).