Finvest
WMT Retail · Mega cap · Consumer staples · Omnichannel · Thesis updated June 10, 2026

Walmart is stronger, but not cheap

01 Running thesis

Scale works, costs bite

Walmart's core idea still works. It uses huge scale to buy low, price low, and keep shoppers coming back. In Q1 FY27, total revenue grew 7.3%, and consolidated gross profit rate improved 6 basis points. A basis point is one-hundredth of a percentage point, so this is small, but it matters in a business this large.

The strongest part of the bull case is mix. Walmart U.S. got help from general merchandise and higher-margin businesses like advertising. Management also said advertising and membership profit streams represented about one-third of operating income in Q1 FY27. That means Walmart is no longer only a low-margin store story.

The problem is that better gross margin did not fully drop to the bottom line. Operating expenses rose 33 basis points as a share of net sales. The drivers were higher depreciation from capital projects, higher associate healthcare costs, and $0.2 billion of business reorganization charges.

Finn's view is balanced. Walmart is a better business than it used to be, but the stock price appears to expect a lot. The next proof point is simple: can sales keep growing while operating expenses grow more slowly?

May 2026Q1 FY27 confirmed the better mix story, with gross profit rate up 6 basis points. But operating expenses rose 33 basis points as a share of net sales, adding a new cost concern.
May 2026Management said advertising and membership profit streams represented about one-third of operating income. Walmart U.S. also got a rare gross margin lift from merchandise mix.
Mar 2026The FY26 10-K confirmed the main strategy and business structure. The main risk update was clearer language on VIZIO's FTC data order through 2037.
Feb 2026Q4 FY26 guidance pointed to operating income growing faster than sales in FY27. Management also said U.S. eCommerce was past breakeven with double-digit incremental margins.
Dec 2025The Q3 FY26 10-Q showed cost pressure from higher self-insured general liability claims and a $0.7 billion PhonePe charge. These items hurt operating expense leverage.
Aug 2025The Q2 FY26 10-Q added evidence that claims expense was a real headwind. Gross margin was improving, but costs were still absorbing much of the benefit.
Aug 2025Q2 FY26 showed strong marketplace, advertising, and membership growth, but claims costs held back profit. The thesis became more balanced rather than clearly better.
02 Business model

Low prices, more profit pools

Walmart makes most of its money by selling groceries, health products, household goods, general merchandise, fuel, and other items through stores, clubs, and online channels. Its Everyday Low Price strategy depends on buying power. Suppliers want access to Walmart's huge customer base, and Walmart uses that scale to push for low costs.

The newer profit pools are important because classic retail has thin margins. Walmart Connect sells ads to brands that want to reach shoppers near the moment they buy. Walmart+ and Sam's Club memberships add fee income. In Q1 FY27, enterprise membership fee revenue grew 17.4%, and advertising grew more than 30% in each segment, according to management.

The model breaks if costs rise faster than sales for too long. Recent capital spending is adding depreciation, and healthcare inflation is adding labor-related cost. Walmart can be right on strategy and still disappoint investors if operating income does not grow faster than revenue.

03 Product portfolio

What Walmart sells

Cash cow

Grocery and consumables

These products bring frequent trips and help defend Walmart's price image. They are steady, but they usually carry lower margins than many general merchandise items.

Steady

Health and wellness

Pharmacy, health products, and wellness categories add repeat demand. They help Walmart stay relevant to families managing routine needs.

Steady

General merchandise

This includes many discretionary items. In Q1 FY27, general merchandise improved enough to help Walmart U.S. gross margin after a long weak stretch.

Growth engine

eCommerce and store-fulfilled delivery

Online sales are powered by stores that also act like local delivery hubs. Walmart U.S. eCommerce added about 5.2% to comparable sales in Q1 FY27.

Cash cow

Sam's Club memberships

Sam's Club sells warehouse shopping access through memberships. Membership and other income grew 11.0% in Q1 FY27, and fee increases started May 1, 2026.

Growth engine

Walmart Connect advertising

Brands pay Walmart to place ads across its shopping and media channels. This is a higher-margin business and a key reason the profit mix is improving.

Option

VIZIO and connected TV ads

VIZIO gives Walmart more connected TV and ad technology. It could strengthen Walmart Connect, but it also brings data privacy duties tied to an FTC order that runs until 2037.

04 Business segments

Three big engines

Walmart U.S.67%modest
Walmart International20%growing fast
Sam's Club U.S.13%modest

Segment mix is based on Q1 FY27 net sales for the three months ended April 30, 2026. Walmart U.S. is still the main driver, with about two-thirds of segment net sales.

05 Risk factors

What could go wrong

Operating costs outrun sales

High impact · Medium odds

Q1 FY27 showed the main risk clearly. Gross margin improved, but operating expenses grew faster than net sales. Higher depreciation, healthcare costs, and $0.2 billion of reorganization charges made profit conversion harder.

We watchWatch operating expenses as a percentage of net sales and whether Walmart returns to expense leverage.

Capital spending weighs on returns

Medium impact · Medium odds

Walmart is investing heavily in supply chain, technology, stores, clubs, and eCommerce. Q1 FY27 capital expenditures were $6.684 billion, up from $4.986 billion a year earlier. These investments can help growth, but they also raise depreciation and pressure free cash flow.

We watchWatch depreciation growth, free cash flow, and return on investment.

Fuel, tariffs, and supply chain pressure

Medium impact · High odds

Walmart flagged uncertainty from tariffs, inflation, fuel prices, and supply chain pressure. Management also identified about $175 million of unexpected fuel costs in Q1 FY27. If these costs keep rising, Walmart may have to accept lower margins or raise prices.

We watchWatch fuel cost commentary, tariff refund updates, and gross profit rate.

Lower-income shopper stress

Medium impact · Medium odds

Walmart serves many budget-focused households. That can help in weak times, but it also means pressure on low-income consumers can change basket size and mix. If shoppers trade down too far, higher-margin categories may lose momentum.

We watchWatch U.S. comparable sales, transaction growth, average ticket, and general merchandise share.

Data and driver platform legal risk

Medium impact · Medium odds

The VIZIO deal brought an FTC consent order tied to consumer data collection and use that remains in effect until 2037. Walmart also faces CFPB litigation over payment practices for independent contractor drivers on the Spark platform. These issues could add costs, limits, or reputational damage.

We watchWatch updates on the FTC order, VIZIO data practices, and Spark driver litigation.

Sam's Club delivery margin drag

Low impact · Medium odds

Sam's Club grew comparable sales 5.9% in Q1 FY27, including a 2.1% fuel benefit. But its gross profit rate fell 26 basis points because eCommerce fulfillment costs rose. Delivery growth is useful only if the unit economics improve.

We watchWatch Sam's Club gross profit rate and eCommerce contribution to comparable sales.
06 Quick answers

In one breath

How does Walmart make money?

Walmart mainly makes money by selling goods through stores, clubs, and online channels. It also earns higher-margin income from advertising, Walmart+, Sam's Club memberships, and other services.

Why is Walmart's advertising business important?

Advertising can carry much higher margins than selling groceries or household goods. In Q1 FY27, advertising and membership profit streams together represented about one-third of operating income.

What is the biggest concern for Walmart stock?

The biggest concern is profit leverage. Walmart is growing sales and improving gross margin, but operating expenses rose faster than sales in Q1 FY27.

Is Walmart mostly a U.S. business?

Yes. In Q1 FY27, Walmart U.S. made up about 67% of segment net sales. International and Sam's Club are still meaningful, but the U.S. segment drives the company.