The TJX Companies (TJX) stock: Winston Score and insider trades

§Winston Score History

TJX Companies runs a chain of off-price retail stores across the United States and several other countries. Its main brands include T.J. Maxx, Marshalls, and HomeGoods, which sell clothing, shoes, home décor, and other goods at prices well below what department stores charge. It is the largest off-price apparel and home fashions retailer in the world.

TJX makes money by buying excess or leftover inventory from brands and manufacturers at a discount, then selling those items to everyday shoppers at reduced prices. It operates roughly 4,900 stores across the U.S., Canada, Europe, and Australia, generating over $50 billion in annual revenue. Its main competitive advantage is its massive buying network and relationships with thousands of vendors, which lets it source discounted merchandise that smaller rivals cannot easily replicate. The key risk is that if brands reduce excess inventory or sell more directly to consumers, TJX could face a thinner supply of discounted goods to stock its shelves.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+5.4% YoY

YoY Growth Rate

Slow revenue growth

Reported EPS Growth

+22.5% YoY

Quarterly reporting periods ended:

2 Aug 2025: $1.11

1 Aug 2026: $1.36

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (4%)

Research and development spending

Insider Activity

0.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$6.0B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

The TJX Companies is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

33.4%

Modest — 33.4% gross margin

Profit after running costs

Operating Margin

13.1%

Healthy — 13.1% operating margin

Return on the money invested

ROCE

59.2%

Exceptional — 59.2% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth

Sales YoY

+7.7%

Steady sales growth (+7.7% YoY)

Profit growth

EPS YoY

+22.7%

Earnings growing fast (+22.7% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

132%

Turns 132% of profit into real cash

Spare cash per sale

FCF Margin

9.4%

Modest free cash flow (9.4%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.27

Conservative — low debt load (0.27)

Covers its interest

Interest Cover

142.84x

Comfortably covers interest (142.8x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

26.8x

Growth-priced — P/E 26.8

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year

P/E vs Forward

+3.9

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (26.8 → 22.9)

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Dividends

Dividend

Dividend Yield

1.46%

Small dividend — 1.46% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+13.0%

Dividend growing fast (13.0% YoY)

Payout Ratio

32%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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The TJX Companies

§How the score breaks down

Share count falling — buybacks

§Winston Score History

Politician Trades

Growth Profile

Every number that matters to educated investors.

Quality

Growth

Cash Flow

Stability

Valuation

Dividends