TJX The TJX Companies, Inc. - Fundamental Analysis
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TJX Stock | Fundamental Analysis & Investment Insights
NYSE
Consumer Cyclical
Apparel Retail
Current Price
Live
$157.38
Analyst Target
$164.39
+4.5%
Upside
52W High
$159.48
52W Low
$112.1
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 17, 2026
Market cap
$175.15B
P/E
34.74
ROE
58.4%
Profit margin
8.7%
Debt/Equity
1.41
Dividend yield
1.09%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
The TJX Companies exhibit stable financial health with a Piotroski F-Score of 6/9, indicating moderate strength, though the absence of an Altman Z-Score limits distress risk assessment. Profitability metrics are strong, particularly ROE of 58.40% and solid earnings growth, but high valuation multiples (P/E 34.74, Price/Book 18.67) suggest the stock is priced for perfection. Insider selling activity and weak technical trend (10/100) contrast with a strong analyst 'strong_buy' consensus, creating mixed signals. While growth and profitability are robust, elevated valuations and lack of balance sheet transparency temper upside potential.
Key Strengths
Strong profitability with ROE of 58.40% and ROA of 12.33%, significantly above sector average ROE of 14.05%
Consistent earnings growth: 12.3% YoY and 16.4% Q/Q EPS growth, with 3 out of last 4 quarters beating estimates
Impressive historical earnings surprise record: 22 out of 25 quarters beat estimates, including multiple double-digit surprises
Healthy dividend profile with a sustainable 35.32% payout ratio and 1.09% yield
Revenue growth of 7.50% YoY outpaces many consumer cyclical peers despite sector headwinds
Key Risks
Elevated valuation: P/E of 34.74 and Price/Book of 18.67 are high relative to historical norms and peer group
Weak technical trend (10/100) and recent price near 52-week high ($157.38 vs $159.48) suggest limited near-term upside and potential for pullback
Insider selling: $8.60M in net sales over last 6 months, including CEO selling over 54,000 shares, signals caution
Liquidity concerns: Quick ratio of 0.38 indicates limited short-term liquidity, despite current ratio of 1.09
Missing key financial data: Absence of Altman Z-Score, ROIC, cash/debt figures, and EV metrics limits financial health visibility
AI Fair Value Estimate
Based on comprehensive analysis
$115.29
-26.7% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
65
Strong
45
75
80
60
65
AI Verdict
Moderately positive, but constrained by valuation and data gaps
Key drivers: High profitability and earnings growth, Strong historical earnings performance, Elevated valuation multiples, Bearish insider activity, Lack of Altman Z-Score and key balance sheet data
Confidence
75%
Value
45/100
Ref P/E, PEG, Graham Number
Positives
- Dividend yield of 1.09% provides modest income
- Payout ratio of 35.32% is sustainable
Watchpoints
- P/E of 34.74 is high vs. sector avg of 37.52 but still premium
- Price/Book of 18.67 is extremely high, suggesting overvaluation
- Current price ($157.38) trades well above Graham Number ($29.31)
Future
75/100
Ref Growth rates
Positives
- 12.3% YoY earnings growth and 7.5% revenue growth indicate solid momentum
- Q/Q EPS growth of 16.4% shows accelerating earnings
- Forward P/E of 30.47 suggests market expects continued growth
Watchpoints
No urgent risks highlighted.
Past
80/100
Ref Historical trends
Positives
- 22 out of 25 quarters beat EPS estimates
- Consistent positive earnings surprises averaging 4.75% over last 4 quarters
- Strong recovery from pandemic-era volatility
Watchpoints
- Two significant negative misses in 2021 and 2022
Health
60/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 6/9 indicates stable financial condition
- Debt/Equity of 1.41 is in line with sector average
- Operating and profit margins well above sector averages
Watchpoints
- Quick ratio of 0.38 is very low, indicating poor short-term liquidity
- No Altman Z-Score available, creating uncertainty about bankruptcy risk
Dividend
65/100
Ref Yield, Payout
Positives
- Payout ratio of 35.32% is conservative and sustainable
- Dividend yield of 1.09% is modest but stable
Watchpoints
- Dividend Strength score of 40/100 suggests limited dividend growth potential
- No 5-year average yield data available for trend analysis
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$157.38
Analyst Target
$164.39
Upside/Downside
+4.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for TJX and closest competitors.
Updated 2026-01-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
TJX
The TJX Companies, Inc.
Primary
|
+152.3% | +101.2% | +31.3% | +29.6% | +1.1% | -0.3% |
|
BKNG
Booking Holdings Inc.
Peer
|
+156.7% | +115.7% | +6.6% | -9.2% | -6.4% | -0.3% |
|
LOW
Lowe's Companies, Inc.
Peer
|
+77.6% | +40.6% | +9.4% | +27.9% | +11.9% | +3.9% |
|
MCD
McDonald's Corporation
Peer
|
+64.8% | +20.2% | +12.5% | +4.7% | -3.5% | +0.0% |
|
SBUX
Starbucks Corporation
Peer
|
+1.5% | -6.3% | +1.1% | +0.5% | +9.1% | +4.6% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
34.74
Forward P/E
30.47
PEG Ratio
N/A
P/B Ratio
18.67
P/S Ratio
2.97
EV/Revenue
3.11
EV/EBITDA
23.2
Market Cap
$175.15B
Profitability
Profit margins and return metrics
Profit Margin
8.68%
Operating Margin
12.49%
Gross Margin
30.85%
ROE
58.4%
ROA
12.33%
Growth
Revenue and earnings growth rates
Revenue Growth
+7.5%
Earnings Growth
+12.3%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+11.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.41
Moderate
Current Ratio
1.09
Good
Quick Ratio
0.38
Poor
Cash/Share
$4.18
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-25
$N/A
2025-11-19
$1.28
+5.0% surprise
2025-08-20
$1.1
+8.4% surprise
2025-05-21
$0.92
+0.8% surprise
Consumer Cyclical Sector Comparison
Comparing TJX against 94 companies in the Consumer Cyclical sector
(5 bullish, 49 neutral, 40 bearish)
P/E Ratio
34.74
This Stock
vs
42.97
Sector Avg
-19.1%
(Discount)
Return on Equity (ROE)
58.4%
This Stock
vs
6.02%
Sector Avg
+869.6%
(Excellent)
Profit Margin
8.68%
This Stock
vs
0.78%
Sector Avg
+1013.0%
(Superior)
Debt to Equity
1.41
This Stock
vs
1.65
Sector Avg
-14.5%
(Lower)
Revenue Growth
7.5%
This Stock
vs
7.65%
Sector Avg
-1.9%
(Slower)
Current Ratio
1.09
This Stock
vs
1.88
Sector Avg
-41.8%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
TJX
The TJX Companies, Inc.
|
NEUTRAL | $175.15B | 34.74 | 58.4% | 8.7% | $157.38 | |
|
BKNG
Booking Holdings Inc.
|
NEUTRAL | $165.24B | 33.22 | -% | 19.4% | $5098.5 | |
|
LOW
Lowe's Companies, Inc.
|
NEUTRAL | $155.69B | 22.98 | -% | 8.0% | $277.55 | |
|
MCD
McDonald's Corporation
|
NEUTRAL | $219.38B | 26.21 | -% | 32.0% | $307.43 | |
|
SBUX
Starbucks Corporation
|
BEARISH | $105.74B | 57.05 | -% | 5.0% | $92.99 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-21 | LANE AMY BETH | Director | Sale | 500 | $75,700 |
| 2025-11-21 | HERRMAN ERNIE L | Chief Executive Officer | Sale | 54,363 | $8,150,908 |
| 2025-09-08 | BENJAMIN PETER | Officer | Sale | 1,500 | $208,845 |
| 2025-09-02 | NEMEROV JACKWYN L | Director | Sale | 1,192 | $164,496 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
18 analysts
UBS
2026-01-08
Buy
Buy
Wells Fargo
2025-12-16
Equal-Weight
Equal-Weight
Guggenheim
2025-12-10
Buy
Barclays
2025-12-04
Overweight
Overweight
Baird
2025-12-04
Outperform
Outperform
Telsey Advisory Group
2025-12-04
Outperform
Outperform
UBS
2025-11-20
Buy
Buy
Citigroup
2025-11-20
Buy
Buy
Barclays
2025-11-20
Overweight
Overweight
JP Morgan
2025-11-20
Overweight
Overweight
Past News Coverage
Recent headlines mentioning TJX from our newsroom.
Newest → oldest
No matching news yet.