NorrisAI AlphaLens · Sample Report

COST: what 44x earnings actually buys

COST: Costco Wholesale Corporation
Framework(s): Full Company Breakdown, Fair Value Stress Test, and Revenue Quality Decomposer
Data pulled: September 29, 2026
Financials cover: the fiscal 2026 fourth quarter (16 weeks) and full fiscal year (52 weeks), both ended August 30, 2026, per the September 24, 2026 8-K. Note: the live proxy's structured financial-facts field still points to an older Form 10-Q (quarter ended May 10, 2026); this report uses the newer, more complete 8-K figures throughout instead, and says so wherever the two would otherwise be confused.
Data used: live market price and the verbatim text of the September 24, 2026 earnings 8-K exhibits (income statement, balance sheet, cash flow statement, and supplemental operating metrics), pulled fresh from NorrisAI's live proxy on the data-pulled date above, not training-cutoff memory.
Snapshot, not a live price target.

Method: How AlphaLens works · All modes: 15 frameworks · Same sequence by hand: How to analyze a stock

$924.59
Price, Sept 29, 2026
$20.76
FY26 diluted EPS
~44.5x
Trailing P/E on FY26 EPS
89.8%
Worldwide renewal rate
Price is live as of the data-pulled date and moves continuously. The trailing P/E is calculated from the price above divided by the filed FY2026 diluted EPS; it is arithmetic on two filed or live numbers, not a company-provided ratio.

Costco closed fiscal 2026 with $303.2 billion in total revenue and diluted EPS of $20.76, up 14.0% for the year. At $924.59 a share, that puts the stock at roughly 44.5 times trailing earnings. The question this report actually asks is what that multiple is paying for: a business whose profit engine leans heavily on a 1.9%-of-revenue membership fee line with an 89.8% renewal rate, not on retail merchandise margins. Three frameworks below on the business itself, what the price assumes, and exactly how much of this year's growth was one-time versus recurring.

FRAMEWORK 01 OF 15

Full Company Breakdown

Fundamentals, risks & growth drivers · run on COST · data pulled September 29, 2026

Business model and revenue quality

Costco operates 939 membership warehouses (647 in the U.S. and Puerto Rico, 115 in Canada, and 177 across 12 other countries, per the filed warehouse count) plus e-commerce sites in nine markets. Revenue splits into two lines: net merchandise sales of $297.247 billion (98.05% of total revenue) and membership fees of $5.907 billion (1.95%), both for the 52 weeks ended August 30, 2026. Merchandise sales carry thin retail margins by design; membership fees are close to pure profit and, structurally, are what makes the model work. Revenue quality on the membership side is unusually high: an 89.8% worldwide renewal rate and a 92.3% U.S. and Canada renewal rate, on 84.1 million paid memberships, up 3.8% for the year.

Key growth drivers

Comparable sales, broad-based. Total company comparable sales grew 8.4% for the fiscal year and 9.4% in the fourth quarter alone (6.6% and 6.7% respectively excluding gasoline-price and foreign-exchange effects). Growth was positive across all three reported geographies: U.S., Canada, and Other International.

Digital growth outpacing the core. Digitally-enabled comparable sales grew 20.9% for the fiscal year and 19.5% in the fourth quarter, more than double the total-company comparable-sales rate, with e-commerce site and app traffic up 30% in the quarter.

Membership mix shifting toward Executive. 42.3 million Executive memberships (the higher-fee tier) now account for 75.6% of sales penetration. Membership fee income grew 7.7% excluding foreign exchange, outpacing the 3.8% growth in total paid memberships, consistent with a mix shift toward the higher tier, more upgrades, or a fee increase; this filing does not break out which of those three is doing the most work.

Warehouse expansion continuing on a disclosed schedule. Costco opened 25 net new warehouses in fiscal 2026 (14 in the first three quarters, 11 in the fourth) and has disclosed an estimated 967 warehouses by the end of fiscal 2027, up from 939 at the fiscal 2026 close.

Risk assessment

RiskProbabilitySeverityEvidence
Merchandise cost pressure (tariffs, commodities)MediumMediumReported gross margin fell 11 basis points year over year this quarter; the filing discloses a one-time tariff-refund benefit that partially offset this, implying the underlying cost pressure is real and ongoing, not resolved.
Foreign-exchange and gasoline-price distortion of headline marginsMediumLow to MediumThe same quarter's gross margin was down 11 basis points as reported but up 20 basis points excluding gasoline impact, a swing the company itself flags in the filing.
Membership renewal decelerationLow, based on current dataHigh if it occurredRenewal rates are currently strong (89.8% worldwide, 92.3% U.S. and Canada) and not flagged as declining in this filing, but the entire margin structure depends on sustaining them.
Competitive pressure in e-commerce and warehouse retailNot named in this payloadNot named in this payloadNo specific competitor is named in the retrieved filing text.
Warehouse expansion executionLowLow25 net openings in fiscal 2026 against a disclosed, specific fiscal 2027 target of 967 total; no execution shortfall is disclosed in this filing.
Overall risk profile

Low to Moderate. The clearest, most filing-grounded watch item is the gap between reported and gasoline-adjusted gross margin, and whether the disclosed one-time tariff-refund benefit repeats or reverses in future quarters.

Key Watchpoints

  • Watch Q1 FY2027 gross margin excluding gasoline impact against this quarter's +20 basis point improvement, since the reported figure alone was down 11 basis points and included a one-time benefit.
  • Watch the worldwide (89.8%) and U.S./Canada (92.3%) renewal rates for any move away from current levels.
  • Watch digitally-enabled comparable sales (19.5% Q4, 20.9% FY) against total comparable sales (9.4% Q4, 8.4% FY) for whether the digital growth premium narrows.
  • Watch warehouse count against the disclosed 967 estimate for the end of fiscal 2027, up from 939 at the fiscal 2026 close.

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FRAMEWORK 03 OF 15

Fair Value Stress Test

What the current multiple assumes · run on COST · data pulled September 29, 2026

At $924.59 a share and 444.4 million diluted shares (the fiscal 2026 full-year weighted average stated in the filing), implied market capitalization is approximately $410.9 billion. Fiscal 2026 diluted EPS was $20.76, for a trailing multiple of roughly 44.5 times earnings, a snapshot consistent with the "43x" framing this report's companion video uses; the small difference reflects the live price moving since that figure was calculated.

The one-time item inside this year's growth

The fourth quarter's headline diluted EPS grew 15.0% year over year, but the filing states this included a $0.15 per diluted share non-recurring benefit from IEEPA tariff refunds received in the quarter, net of partial reinvestment of those refunds into member value. Excluding that benefit, the company's own disclosure states net income grew 12.3% and EPS grew 12.4% for the quarter. This report treats 12.4%, not 15.0%, as the more sustainable underlying growth rate for the quarter; a full-year ex-item EPS dollar figure is not stated in this filing, only the quarterly growth-rate impact.

Cash flow context

Fiscal 2026 operating cash flow was $15.825 billion against $6.435 billion of additions to property and equipment, for free cash flow of approximately $9.39 billion, up from capex of $5.498 billion the prior fiscal year. Against the $410.9 billion market capitalization above, that is a free cash flow yield of roughly 2.3%, consistent with a richly valued, high-quality compounder rather than a cheap stock by any conventional cash-flow screen.

Scenario values, dated September 29, 2026

These are modeled scenarios, not price targets and not a forecast of what the stock will do.

ScenarioKey assumptionBasis
BullComparable sales hold near the 8.4% FY2026 rate, membership fee growth continues outpacing membership count growth, multiple holds near current levelsModeled off the FY2026 comp-sales and membership-fee growth rates as filed
BaseComparable sales moderate toward the 6.6% ex-gas/FX adjusted FY2026 rate as digital growth matures, multiple compresses modestly toward historical staples-retailer averagesModeled off the filed adjusted comp-sales figure
BearTariff cost pressure resumes without offsetting refunds, gross margin reverts toward the reported (not ex-gas) -11 basis point trend, multiple re-rates toward broader consumer-staples peer levelsModeled off the filed reported-margin figure and the one-time nature of this quarter's tariff-refund offset

Most fragile assumptions, ranked

1. The 44.5x multiple assumes the membership-fee engine, not merchandise margin, keeps compounding. With merchandise carrying thin margins by design, a renewal-rate move away from 89.8% would disproportionately affect the earnings this multiple is priced against.

2. This quarter's headline growth rate is not the clean run rate. The 15.0% EPS growth figure includes a disclosed one-time benefit; the company's own 12.4% ex-item figure is the more durable comparison point for future quarters.

3. Gross margin optics depend on gasoline prices. The same quarter showed -11 basis points reported versus +20 basis points ex-gas, a 31 basis point swing driven by a factor unrelated to core retail execution.

Key Watchpoints

  • Watch whether Q1 FY2027 EPS growth reverts toward the disclosed 12.4% ex-item rate now that the one-time tariff-refund benefit has passed.
  • Watch gross margin excluding gasoline impact against this quarter's +20 basis point gain.
  • Watch free cash flow (FY2026: approximately $9.39 billion) against capex, which rose from $5.498 billion to $6.435 billion year over year.
  • Watch the 44.5x trailing multiple itself against any comparable-sales deceleration below the 6.6% ex-gas/FX adjusted FY2026 rate.

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FRAMEWORK 14 OF 15

Revenue Quality Decomposer

Data-or-disclose pass · run on COST · data pulled September 29, 2026

Measured splits in the retrieved block

Yes. The retrieved block contains a named revenue-line split (net sales versus membership fees) and a comparable-sales table decomposed by ticket and traffic, and by geography.

What the retrieved figures actually show

Total revenue for the 52 weeks ended August 30, 2026 was $303.154 billion, made up of net sales of $297.247 billion (98.05%) and membership fees of $5.907 billion (1.95%). Fourth-quarter comparable sales by geography, as filed: U.S. +10.7%, Canada +5.0%, Other International +7.0%, Total Company +9.4% (reported); adjusted for gasoline and foreign-exchange impact: U.S. +7.2%, Canada +4.6%, Other International +6.2%, Total Company +6.7%.

Recurring vs one-time

The filing explicitly separates a one-time item: fourth-quarter diluted EPS included a $0.15 per-share non-recurring benefit from IEEPA tariff refunds received in the quarter, net of partial reinvestment of those refunds into member value. Excluding this item, the filing states net income grew 12.3% and EPS grew 12.4% for the quarter, versus 14.9% and 15.0% as reported. No other one-time item is broken out with a dollar or per-share figure in this payload.

Organic vs acquired

Growth in this filing is organic: driven by comparable sales and 25 net new warehouse openings in fiscal 2026 (14 in the first three quarters, 11 in the fourth). No acquisition is named in this payload as a driver of the reported results.

Price vs volume

The filing's own comparable-sales table gives this split directly. Fourth-quarter Total Company comparable sales of +9.4% (reported) break down into Ticket +5.9% and Traffic +3.3%. Adjusted for gasoline and foreign-exchange impact, +6.7% breaks down into Ticket +3.3% and Traffic +3.3%.

What would change the quality read

A segment- or format-level profit breakdown (by warehouse geography or by ancillary businesses such as gas stations, pharmacy, or optical) is not in this filing. A full fiscal-year, rather than fourth-quarter-only, recurring-versus-one-time reconciliation is also not stated; the filing only quantifies the one-time tariff-refund impact for the quarter.

Key Watchpoints

  • Watch whether the Ticket-versus-Traffic split for Q1 FY2027 shows Traffic (visit volume) or Ticket (basket size and pricing) driving comparable-sales growth, using the same decomposition the company disclosed this quarter.
  • Watch whether membership fee growth (7.7% ex-FX) continues to outpace paid membership count growth (3.8%), which this filing does not decompose into fee increases versus tier mix shift.
  • Watch for whether a future filing quantifies the one-time tariff-refund impact on a full-year, not just quarterly, basis.

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DISCLAIMER: NorrisAI AlphaLens is an AI-powered research tool only. NorrisAI is NOT a registered investment adviser, broker-dealer, or fiduciary under federal or state securities laws. Nothing on this page constitutes investment advice, a recommendation to buy or sell any security, or a solicitation of any investment decision. All analysis is AI-generated and may contain errors or inaccuracies. Financial figures are based on Costco's own SEC filings as pulled on September 29, 2026; scenario values are illustrative modeled estimates, not price targets or forecasts. Past performance does not guarantee future results. You are solely responsible for your own investment decisions. Always consult a licensed financial professional before investing.
How this run was generated
Analysis run: September 29, 2026
Frameworks used: Full Company Breakdown, Fair Value Stress Test, and Revenue Quality Decomposer
Data as of: September 29, 2026 (fiscal 2026 Q4 and full-year results per the 9/24/26 8-K)
Last verified: September 29, 2026
A NorrisAI AlphaLens editorial analysis. Figures were current as of the dates above and change continuously.