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    BJ
    Earnings call· Jan 2026(Q4 FY25)

    BJ's Wholesale Club Holdings Q4 FY25 earnings call BJ

    Mar 5, 2026 Source

    Executive summary

    BJ's Q4 FY25 — Strong Membership Growth and New Club Expansion

    BJ's Wholesale Club concluded fiscal 2025 with robust membership growth and significant expansion, opening a record 14 new clubs. The company demonstrated resilience in a cautious consumer environment, leveraging its value proposition and digital capabilities to drive sales and member engagement. Management is focused on long-term investments in real estate and value to sustain growth, while navigating merchandise mix shifts and increased SG&A from expansion.

    Highlights

    5
    • Merchandise comparable club sales grew 2.6% in Q4 FY25, marking the 13th consecutive quarter of market share gains.

    • Membership base grew by over 500,000 members in FY25, reaching over 8 million total members.

    • Digitally enabled sales grew 31% in Q4 FY25, reaching 16% penetration.

    • Opened 14 new clubs in FY25, the most in a single year, with sales, membership, and profit well above expectations.

    • Achieved a 90% tenured renewal rate for the fourth consecutive year.

    Concerns

    4
    • Merchandise margin rate was down 50 basis points year-over-year in Q4 FY25, primarily due to changes in merchandise mix towards lower-margin electronics.

    • SG&A expenses showed slight deleverage as a percentage of sales in Q4 FY25, driven by new club openings and strategic investments.

    • General merchandise performance can be variable quarter-to-quarter, with home and seasonal categories remaining a drag in Q4 FY25.

    • February comps were lower than planned due to the lingering effects of Winter Storm Fern.

    Guidance & targets

    6
    CategoryTargetConfidence
    Comparable sales, excluding gas
    2% to 3% growth
    high materiality
    High
    Adjusted EPS
    $4.40 to $4.60
    high materiality
    High
    Effective tax rate
    approximately 27%
    medium materiality
    Medium
    New club openings
    25 to 30 new clubs
    high materiality
    High
    Pace of new club openings
    continue over coming years
    medium materiality
    High
    Automated distribution center opening
    open in 2027
    medium materiality
    High

    Segment performance

    3
    SegmentRevenueYoYQoQMargin
    Perishables, grocery and sundries
    Driven by solid unit growth and improvements in assortment and merchandising, even after lapping Fresh 2.0 rollout. Price remained up year-over-year, but inflation moderated.
    Unit growth: ~1.5%
    2.3%
    General merchandise and services
    Outperformed expectations, driven by strength in consumer electronics and apparel. Home and seasonal remained a drag. Performance can be variable.
    4.3%
    Fuel business
    Outpaced broader industry, with comparable gallons significantly better than low single-digit declines seen elsewhere. Fuel margins were generally stable.
    Comparable gallons: up 0.1%
    1.6% (full comparable club sales including gasoline)modestly ahead of expectations

    Operational metrics

    47
    Membership base growth
    500,000 memberslargest annual increase in recent years
    FY25

    Underscoring the relevance of our value proposition and the loyalty of the families who rely on us.

    Membership base growth (3-year)
    1.5 million membersover 20%
    last 3 years

    Reflecting incredible progress on behalf of shareholders.

    New clubs opened
    14most we've ever opened in a single year
    FY25

    Expanding reach into new markets with sales, membership and profit performance, all well above expectations.

    New clubs opened (3-year)
    29
    last 3 years

    Part of a $1.7 billion capital investment into our business.

    Digitally enabled sales penetration
    16%up from 9% 3 years ago
    FY25

    As more members embraced the convenience of omnichannel services.

    Digitally enabled sales growth
    31%
    Q4 FY25

    Driven by strong adoption of BOPIC, Same-day Delivery and ExpressPay.

    Digitally enabled sales growth (2-year stack)
    ~60%
    Q4 FY25

    Sustained fantastic growth in our digital business.

    Market share gains
    13th consecutive quarter
    Q4 FY25

    Reflecting our merchandise comparable club sales growth.

    Traffic growth
    16th consecutive quarter
    Q4 FY25

    Reflecting our merchandise comparable club sales growth.

    Total members
    over 8 milliona new high for our company
    end of FY25

    Reflecting strong acquisition, continued loyalty, and relevance of value proposition.

    Tenured renewal rate
    90%fourth consecutive year
    FY25

    This level of loyalty is rare in retail and speaks directly to the consistency of the experience we deliver.

    Higher tier memberships penetration
    42%increased this year
    FY25

    Demonstrating strong adoption of the enhanced benefits in our higher-tier offerings.

    Own brands penetration
    27%
    FY25

    Represented of our merchandise sales, on track toward our long-term goal of 30%.

    Net sales
    ~$5.4 billionincrease of 5.5% over last year
    Q4 FY25

    Reported for the fourth quarter.

    Fuel prices
    mid-single digitsdown year-over-year
    Q4 FY25

    Impacted full comparable club sales.

    Merchandise margin rate (ex-gas)
    down 50 bpsyear-over-year
    Q4 FY25

    Primarily due to mix towards general merchandise, especially consumer electronics.

    SG&A expenses
    $818.2 millionslight deleverage as a percentage of sales
    Q4 FY25

    Total SG&A expenses for the quarter.

    Adjusted EBITDA
    $266.5 millionincreased 1%
    Q4 FY25

    Supported by steady cost discipline.

    Effective tax rate
    25%slightly below our statutory rate of roughly 28%
    Q4 FY25

    Effective tax rate for the quarter.

    Adjusted EPS
    $0.96increased 3.2% year-over-year
    Q4 FY25

    Fourth quarter adjusted EPS.

    Adjusted EPS
    $4.40reaching the high end of our revised guidance range
    FY25

    Full fiscal year adjusted EPS.

    Inventory levels (absolute)
    increased 3.1%year-over-year
    Q4 FY25

    Inventory levels at the end of the quarter.

    Inventory levels (per club)
    down 2%
    Q4 FY25

    Reflecting strong execution by our teams.

    In-stock levels
    improved 40 bpsversus last year
    Q4 FY25

    Reached record highs, a testament to better merchandising alignment and operational efficiency.

    Net leverage
    0.4x
    end of Q4 FY25

    Giving substantial flexibility.

    Shares bought back
    1.3 million shares
    Q4 FY25

    For $117.7 million during the quarter.

    Shares bought back
    2.6 million shares
    FY25

    For $252.4 million for the full fiscal year.

    Remaining buyback authorization
    $750 million
    end of FY25

    Remaining under current authorization.

    Total merchandise sales growth
    more than 6%
    FY25

    Reflecting incredible progress over the last 3 years.

    MFI growth
    9.5%
    FY25

    Annual MFI growth for the full fiscal year.

    Adjusted EBITDA growth
    6%
    FY25

    Annual adjusted EBITDA growth for the full fiscal year.

    EPS growth
    9%
    FY25

    Annual EPS growth for the full fiscal year.

    Capital investment (3-year)
    $1.7 billion
    last 3 years

    Capital investment into the business over the last 3 years, with returns on new clubs well into the double digits.

    Owned real estate added (3-year)
    $500 million
    last 3 years

    Amount of owned real estate added to the balance sheet over the last 3 years.

    Debt paid down (3-year)
    over $300 million
    last 3 years

    Amount of debt paid down over the last 3 years, bringing net debt ratio to 0.4x.

    Shares retired (3-year)
    about 5%
    last 3 years

    Percentage of share count retired through buybacks of over $0.5 billion.

    New club membership growth vs. plan
    up over 30%versus what we planned
    FY25

    Membership in the new class of clubs opened in FY25.

    New club on-time renewal rates vs. chain average
    900 bps higherthan our chain average
    FY25

    On-time renewal rates in the new class of clubs opened in FY25.

    New club return on capital
    well into double digits
    FY25

    Return on capital for the new class of clubs opened in FY25.

    February comps
    a little lower than our plan
    February

    Due to lingering effects of Winter Storm Fern.

    Comp club member growth
    2% to 3%
    FY25

    Growth in membership within comparable clubs.

    Daily fuel volume record
    20% higherthan our previous daily record
    Q4 FY25

    Set during the days leading up to Winter Storm Fern.

    Big Game event spend threshold
    $150
    Q4 FY25

    Members who spent over this amount received a digital bounce-back coupon.

    Big Game event coupon value
    $15
    Q4 FY25

    Digital bounce-back coupon for members spending over $150.

    Membership fee income growth
    10.9%
    Q4 FY25

    Supported by healthy acquisition and retention trends as well as an annual fee increase in January 2025.

    Membership fee income
    $129.8 million
    Q4 FY25

    Membership fee income for the fourth quarter.

    Statutory tax rate
    28%
    Q4 FY25

    The company's statutory tax rate, with the effective tax rate slightly below this.

    Industry KPIs

    8
    MetricValueDetails
    Sg a rateslight deleverage
    Gross margin driversdown about 50 bpsbps
    Fuel gas station economicsup 0.1%%
    Warehouse store club count14clubs
    Comparable same store sales2.6%%
    E commerce digital sales growth31%%
    Private label own brand penetration27%%
    Category level comps and inflation deflation2.3%%

    Product announcements

    1
    ProductTypeDetails
    Ask Bevlaunch

    Capital programs

    1
    Automated distribution center in Ohioplanning

    Benefit: support the long-term growth

    We plan to further invest in our supply chain network to support the long-term growth and are excited to open our automated distribution center in Ohio in 2027. This will yield significant operational efficiencies and savings.

    Risks & headwinds

    8
    Cautious value-seeking consumerThroughout FY25

    dynamic environment marked by a more cautious value-seeking consumer

    Mitigation: remained focused and resilient consistently delivering value, convenience and quality for our members

    Tariff-related and geopolitical uncertaintiesThroughout FY25

    tariff-related and geopolitical uncertainties

    Mitigation: remained focused and resilient consistently delivering value, convenience and quality for our members

    Broader macroeconomic volatilityThroughout FY25

    broader macroeconomic volatility

    Mitigation: remained focused and resilient consistently delivering value, convenience and quality for our members

    General merchandise variabilityquarter-to-quarter

    general merchandise can be variable quarter-to-quarter

    Mitigation: encouraged by the traction we're seeing as our broader transformation efforts take hold

    SG&A deleverageFY26

    slight deleverage as a percentage of sales

    Mitigation: continuing to invest in the new club growth and ramp that growth, particularly with continued outsized growth in depreciation

    Tariff news and evolving macro uncertaintyFY26

    not contemplating the impact of recent tariff news and evolving macro uncertainty on our current assumptions

    Mitigation: We continue to believe we are well positioned to offer our members value that they are seeking every day.

    Food deflation in perishablesQ4 FY25

    impacted by some food deflation in that category

    Mitigation: perishables had a good quarter despite this

    Competition in Texasupcoming openings

    certainly got great competition in the neighborhood

    Mitigation: we will invest heavily in this market to try and get it right, and we will give it our best shot every day.

    What to watch in Q1 FY26

    5

    Comp sales cadence

    FY26
    CurrentFebruary comps were a little lower than our plan
    Targetlowest comps in the beginning of the year and growth as we progress through the year

    Why it matters

    To verify if the company achieves its expected acceleration in comparable sales throughout the year, especially after a soft start in February.

    Remember that the first quarter of last year was the high watermark from a comp perspective. And so we've built the plan on that, which would imply kind of lowest comps in the beginning of the year and growth as we progress through the year.

    Q&A highlights

    8

    What drove the 50 bps decline in merchandise margins, specifically regarding mix, inflation, and value investments? What to expect for FY26?

    The decline was primarily due to a mix shift towards lower-margin general merchandise, especially consumer electronics. Apparel grew, but home and seasonal were tougher. The company also made strategic investments in value in grocery, improving pricing gaps. They will continue to invest in value.

    The largest contributor to our margin performance against our expectations during the quarter was the mix of the business, and it's mix towards general merchandise. You remember that for us, general merchandise is slightly lower margin than some of the other parts of our business. And within general merchandise, consumer electronics tends to be the lowest gross margin within general merchandise.

    asked by Michael Baker · answered by Robert Eddy

    3 min read7 chapters

    Detailed Narrative

    01

    Membership Strength and Quality

    BJ's grew its membership base by over 500,000 members in FY25, reaching a new high of over 8 million. The company maintained a 90% tenured renewal rate for the fourth consecutive year and saw higher-tier membership penetration increase to 42%, indicating strong member loyalty and engagement. This growth is seen as the engine for future traffic and share gains, with comp club member growth at 2% to 3%.

    02

    Digital Transformation and Omnichannel

    Digitally enabled sales grew 31% in Q4 FY25, reaching 16% penetration, driven by strong adoption of BOPIC, Same-day Delivery, and ExpressPay. Over 90% of digital orders are fulfilled from clubs, an efficient model. The company is also leveraging AI, including an AI shopping assistant "Ask Bev," to enhance member experience and platform reliability, with digital business achieving its highest sales days ever on Black Friday and Cyber Monday.

    03

    Value Proposition and Own Brands

    Value remains foundational, with BJ's consistently delivering savings up to 25% better than traditional grocery. Own brands represented 27% of merchandise sales in FY25, on track for a long-term goal of 30%, offering members savings and higher margins for the company. Promotional events, like a $15 digital coupon for $150 spend, reinforce this value, ensuring BJ's remains a trusted destination for families seeking value.

    04

    Accelerated Club Expansion

    In FY25, BJ's opened a record 14 new clubs across 8 states, with these new clubs performing well above expectations in sales, membership, and profit, achieving well into double-digit returns on capital. The company plans to open 25 to 30 new clubs over FY25 and FY26, with the pace expected to continue in coming years, reflecting confidence in the model's relevance and ability to serve new markets like Dallas-Fort Worth, where initial engagement has been strong.

    05

    Merchandise Mix and Margin Dynamics

    Q4 FY25 merchandise margin rate (excluding gasoline) was down 50 basis points year-over-year, primarily due to a mix shift towards lower-margin general merchandise, particularly consumer electronics. While general merchandise outperformed expectations, home and seasonal categories remained a drag. Management made strategic investments in value within the grocery business, improving pricing gaps, and aims for a better mix of assortment and margin performance going forward.

    06

    Inventory and Supply Chain Efficiency

    Inventory levels increased 3.1% year-over-year in absolute terms but were down 2% on a per-club basis, with in-stock levels improving 40 basis points. The company plans to ramp up inventory buys for general merchandise in FY26 to support new clubs and comp growth, after being conservative in FY25. An automated distribution center in Ohio is planned to open in 2027 to support long-term growth and yield operational efficiencies.

    07

    Winter Storm Fern Impact

    Winter Storm Fern, a significant weather event in late Q4 FY25, led to a large stock-up ahead of the storm, including a daily record for gas volume 20% higher than previous. While storms are generally a net push, Fern had a slight positive impact on Q4 comps, with some negative effects (pantry deloading, travel disruption) leaking into February, causing February comps to be slightly lower than planned. The team's efforts ensured clubs remained open and stocked for members.

    AI-generated summary of the company’s earnings call. Not investment advice.