TJX (TJX): analysis in plain words
Is TJX cheap or expensive? How it makes money, whether it grows and its risks, explained in plain words and with its official accounts.
TJX (TJX) is listed on the NYSE and we classify it in retail. Below are its key dated figures, how it makes money, how it compares with its sector, what works for and against TJX according to those figures, and the questions people ask most about the stock. No buy or sell tips.
TJX (TJX) key figures as of November 4, 2026
| Figure | Value | What it measures |
|---|---|---|
| Share price | $144.76 | Last price on November 4, 2026 |
| P/E ratio (TTM) | 26.8x | Price over earnings per share |
| Revenue growth | +5.4% | Latest quarter vs the same quarter a year earlier |
| Net margin (TTM) | 9.7% | Profit for every 100 of sales |
| Net debt / EBITDA | 0.9x | Years of operating profit to repay debt |
| Dividend yield | 1.40% | Annual dividend over price |
| Market cap | $159.2 billion | What the stock market values it at |
The TJX figures come from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026. Any TJX figure that is not available shows as N/A: we do not estimate it.
How TJX makes money
TJX Companies sells brand-name apparel, home goods and accessories at a discount by buying excess inventory from manufacturers and other retailers. Its Marmaxx segment, made up of T.J. Maxx and Marshalls, is the biggest, followed by HomeGoods, TJX Canada and TJX International, which runs T.K. Maxx stores in Europe and Australia.
Over the last 12 months, TJX brought in revenue of $62.4 billion. For every 100 it sells, TJX keeps 31.5 after the direct cost of what it sells (gross margin) and 10.9 after all operating costs (operating margin). With 377,000 full-time employees, that is about $165,000 of revenue per employee.
TJX against its sector
To know whether a TJX figure is high or low you have to put it next to similar companies. This table compares TJX with the median of the 18 retail companies Fintols covers, with data as of November 4, 2026.
| Figure | TJX | retail median |
|---|---|---|
| P/E | 26.8x | 26.2x (18) |
| Revenue growth | +5.4% | +7.1% (18) |
| Net margin | 9.7% | 7.2% (18) |
| Dividend yield | 1.40% | 0.78% (18) |
| Net debt / EBITDA | 0.9x | 1.5x (18) |
In short, against the typical retail company, TJX grows more slowly, earns a wider margin and pays a higher dividend yield. By size, TJX ranks number 7 of 17 retail companies quoted in USD on Fintols.
The bull case for TJX
What works in favour of TJX, according to its figures as of November 4, 2026:
- TJX earns 62.2% a year on its shareholders' money (return on equity).
- Its debt is low: TJX would need 0.9x its annual operating profit (EBITDA) to repay its net debt.
The main risk for TJX
The TJX figures as of November 4, 2026 show no clear red flag (no heavy debt, no losses, no falling sales). Its main risk is the one built into its business: price competition, which keeps margins thin, and a slowdown in consumer spending.
Frequently asked questions about TJX
Is it a good time to buy TJX stock?
Fintols does not tell you whether to buy or sell TJX, and nobody knows what the price will do tomorrow. What we can show you is where it stands today. As of November 4, 2026, TJX stock trades at $144.76, 15% below its 52-week high ($170.00) and 18% above its low ($122.78). Its P/E is 26.8x against a retail median of 26.2x, and 25.1x on the earnings analysts expect over the next 12 months. With TJX, as with any stock, timing matters less than understanding the business, investing for the long run and not betting everything on a single company.
Does TJX pay a dividend?
Yes. As of November 4, 2026, TJX pays $1.92 per share a year, which at today's price is a yield of 1.40%. It uses 33% of its profit to pay it, which leaves room to keep paying it if profit dips. Its average dividend yield over the last five years is 1.32%. The retail median on Fintols is 0.78%.
Is TJX stock expensive?
It depends on what you compare it with. On P/E, TJX trades at 26.8x its last 12 months of earnings: in line with the retail median (26.2x). Including its debt, TJX is valued at 17.9x its EBITDA (EV/EBITDA). A high P/E alone does not make TJX expensive: it can be justified if earnings grow fast, and a low one can reflect a business in trouble.
Who are TJX's competitors?
On Fintols we compare TJX with Lowe's, Shopify and Alibaba, which are also in retail. As of November 4, 2026, Lowe's is worth $128.7 billion and trades on a P/E of 19.4; Shopify is worth $196.9 billion and trades on a P/E of 93.9; Alibaba is worth $261.9 billion and trades on a P/E of 25.5. Each has a side-by-side comparison with TJX below.
TJX competitors
- Lowe's (LOW) analysis · TJX vs Lowe's comparison
- Shopify (SHOP) analysis · TJX vs Shopify comparison
- Alibaba (BABA) analysis · TJX vs Alibaba comparison
To understand TJX better
- Economic Moats Explained: From Warren Buffett to AI
- P/E Ratio and EPS Explained: How to Read Them Without Traps
More companies like TJX: retail stocks and S&P 500 companies. Open the full TJX analysis with its valuation and scenarios. Educational content about TJX, not investment advice.