The TJX Companies, Inc. (TJX)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am looking at a high-quality off-price retailer, not a classic Graham bargain. TJX's scale—377,000 employees and four segments—supports a sourcing and inventory model that is difficult to replicate. The filed numbers show fiscal FY2025 (period ended 2026-01-31) revenue of $60.4B and net income of $5.5B, up from fiscal FY2023 (period ended 2024-02-03) revenue of $54.2B and net income of $4.5B. In fiscal Q2 2026, the quarter ended 2026-08-01, revenue was $15.2B, net income $1.5B, and diluted EPS $1.36, compared with fiscal Q2 2025, the quarter ended 2025-08-02, revenue of $14.4B, net income of $1.2B, and EPS of $1.10. Financial health is strong: FairStock's Piotroski F-Score is 9/9 and Altman Z-Score is 4.64. But at the 2026-10-26 close of $143.70, FairStock calculates a P/E of 26.66, P/B of 15.27, FCF yield of 3.7%, and a Graham Number of $34.25 with a margin of safety of -323.53%. That is a demanding price for 5.41% revenue growth and a 1.51% dividend yield. FairStock's Lynch category is FAST GROWER, citing 127.6% annual profit growth over five years and 13.4% revenue growth; the filed FY2023-to-FY2025 figures show solid but more moderate growth. I admire the business, but I would prefer a wider margin of safety.

In plain English: TJX runs off-price apparel and home-fashion stores around the world. The business looks strong, with growing sales and profits and very healthy financial signals. At $143.70, the shares look expensive compared with the company's reported profits and accounting value, so the price already assumes a lot of good news.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-08-01) · fiscal Q1 2026 10-Q (period ended 2026-05-02) · fiscal Q3 2025 10-Q (period ended 2025-11-01) · fiscal Q2 2025 10-Q (period ended 2025-08-02) · FY2025 10-K (period ended 2026-01-31) · FY2024 10-K (period ended 2025-02-01) · FY2023 10-K (period ended 2024-02-03)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer