📊 TJX Key Takeaways
Is Tjx Companies Inc. /DE/ (TJX) a Good Investment?
TJX demonstrates solid fundamental strength with 7.1% revenue growth translating to 14.3% EPS growth, indicating strong operational leverage and execution. An excellent balance sheet (0.18x debt-to-equity) with $5.6B cash and 21.8x interest coverage provides financial flexibility, while positive $457M free cash flow supports the growth trajectory.
TJX shows high-quality fundamentals with steady revenue growth, faster earnings and EPS growth, strong operating efficiency, and solid free cash flow generation. The balance sheet appears conservative with low long-term debt and very strong interest coverage, supporting resilience even if consumer demand softens. Growth is not explosive, but the combination of profitability, cash generation, and financial discipline makes the business fundamentally attractive.
Tjx Companies Inc. /DE/ Key Strengths (TJX)
- Strong revenue growth (7.1% YoY) with operational leverage driving EPS growth of 14.3%, exceeding revenue growth
- Fortress balance sheet with low leverage (0.18x D/E), excellent interest coverage (21.8x), and substantial cash position of $5.6B
- Healthy profitability across all margins (21.4% gross, 12.0% operating, 9.3% net) with positive free cash flow generation
- Net income and diluted EPS are growing faster than revenue, indicating improving operating leverage and disciplined execution
- Operating margin of 11.5%, ROA of 10.6%, and ROE of 39.8% point to a highly efficient retail model
- Low debt-to-equity of 0.20x, cash of $4.64B, and interest coverage of 62.9x reflect strong financial health
TJX Stock Risks: Tjx Companies Inc. /DE/ Investment Risks
- Tight working capital position (1.14x current ratio, 0.54x quick ratio) limits financial flexibility in stressed scenarios
- Modest capital efficiency with ROA of 3.7% and ROE of 12.8% indicating capital-intensive business model
- Low FCF margin of 3.2% means limited cash conversion relative to revenue size despite absolute FCF positivity
- Revenue growth of 4.0% is solid but not high, so future returns depend on sustaining margin strength and execution
- Quick ratio of 0.43x suggests limited liquid asset coverage outside inventory, which can matter in a retail downturn
- Reported gross margin of 7.2% looks unusually low relative to operating and net margins, which raises some data-quality or classification risk when interpreting profitability
Key Metrics to Watch
- Sustained revenue growth rate and operating margin stability through economic cycles
- Free cash flow sustainability and capital expenditure intensity trends
- Working capital efficiency and inventory management as critical drivers of retail profitability
- Operating margin and free cash flow margin
- Revenue growth versus net income growth
Tjx Companies Inc. /DE/ (TJX) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 3.2% FCF margin may limit capital allocation flexibility.
TJX Profit Margin, ROE & Profitability Analysis
TJX vs Consumer Sector: How Tjx Companies Inc. /DE/ Compares
How Tjx Companies Inc. /DE/ compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Tjx Companies Inc. /DE/ Stock Overvalued? TJX Valuation Analysis 2026
Based on fundamental analysis, Tjx Companies Inc. /DE/ has mixed fundamental signals relative to the Consumer sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Tjx Companies Inc. /DE/ Balance Sheet: TJX Debt, Cash & Liquidity
TJX Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Tjx Companies Inc. /DE/'s revenue has grown significantly by 24% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.86 reflects profitable operations.
TJX Revenue Growth, EPS Growth & YoY Performance
TJX Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2027 | $13.1B | $1.0B | $0.92 |
| Q3 2026 | $14.1B | $1.3B | $1.14 |
| Q2 2026 | $13.5B | $1.1B | $0.96 |
| Q1 2026 | $12.5B | $1.0B | $0.92 |
| Q3 2025 | $13.3B | $1.2B | $1.03 |
| Q2 2025 | $12.8B | $989.0M | $0.85 |
| Q1 2025 | $11.8B | $891.0M | $0.76 |
| Q3 2024 | $12.2B | $1.1B | $0.91 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Tjx Companies Inc. /DE/ Dividends, Buybacks & Capital Allocation
TJX SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Tjx Companies Inc. /DE/ (CIK: 0000109198)
📋 Recent SEC Filings
❓ Frequently Asked Questions about TJX
What is the AI rating for TJX?
Tjx Companies Inc. /DE/ (TJX) has a Combined AI Grade of A from Claude (A) and ChatGPT (A) with 81% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are TJX's key strengths?
Claude: Strong revenue growth (7.1% YoY) with operational leverage driving EPS growth of 14.3%, exceeding revenue growth. Fortress balance sheet with low leverage (0.18x D/E), excellent interest coverage (21.8x), and substantial cash position of $5.6B. ChatGPT: Net income and diluted EPS are growing faster than revenue, indicating improving operating leverage and disciplined execution. Operating margin of 11.5%, ROA of 10.6%, and ROE of 39.8% point to a highly efficient retail model.
What are the risks of investing in TJX?
Claude: Tight working capital position (1.14x current ratio, 0.54x quick ratio) limits financial flexibility in stressed scenarios. Modest capital efficiency with ROA of 3.7% and ROE of 12.8% indicating capital-intensive business model. ChatGPT: Revenue growth of 4.0% is solid but not high, so future returns depend on sustaining margin strength and execution. Quick ratio of 0.43x suggests limited liquid asset coverage outside inventory, which can matter in a retail downturn.
What is TJX's revenue and growth?
Tjx Companies Inc. /DE/ reported revenue of $14.3B.
Does TJX pay dividends?
Tjx Companies Inc. /DE/ pays dividends, with $474.0M distributed to shareholders in the trailing twelve months.
Where can I find TJX SEC filings?
Official SEC filings for Tjx Companies Inc. /DE/ (CIK: 0000109198) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TJX's EPS?
Tjx Companies Inc. /DE/ has a diluted EPS of $1.19.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is TJX's fundamental grade?
Based on our AI fundamental analysis in June 2026, Tjx Companies Inc. /DE/ has a A grade with 81% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is TJX stock overvalued or undervalued?
Valuation metrics for TJX: ROE of 12.8% (sector avg: 18%), net margin of 9.3% (sector avg: 8%). Compare these metrics with sector averages to assess valuation.
What is TJX's AI grade for 2026?
Our dual AI analysis gives Tjx Companies Inc. /DE/ a combined A grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is TJX's free cash flow?
Tjx Companies Inc. /DE/'s operating cash flow is $1.1B, with capital expenditures of $662.0M. FCF margin is 3.2%.
How does TJX compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 9.3% (avg: 8%), ROE 12.8% (avg: 18%), current ratio 1.14 (avg: 1.5).