WallStSmart

Boyd Group Services Inc. (BGSI)vsCarvana Co (CVNA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Carvana Co generates 547% more annual revenue ($20.32B vs $3.14B). CVNA leads profitability with a 6.9% profit margin vs 0.6%. CVNA trades at a lower P/E of 35.6x. CVNA earns a higher WallStSmart Score of 60/100 (C+).

BGSI

Hold

49

out of 100

Grade: D+

Growth: 7.3Profit: 4.5Value: 3.0Quality: 6.5
Piotroski: 2/9Altman Z: 5.55

CVNA

Buy

60

out of 100

Grade: C+

Growth: 8.0Profit: 7.0Value: 7.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.18
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BGSISignificantly Overvalued (-373.9%)

Margin of Safety

-373.9%

Fair Value

$38.38

Current Price

$137.59

$99.21 premium

UndervaluedFair: $38.38Overvalued
CVNAUndervalued (+8.1%)

Margin of Safety

+8.1%

Fair Value

$395.93

Current Price

$308.56

$87.37 discount

UndervaluedFair: $395.93Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BGSI3 strengths · Avg: 9.3/10
EPS GrowthGrowth
71.4%10/10

Earnings expanding 71.4% YoY

Altman Z-ScoreHealth
5.5510/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

CVNA4 strengths · Avg: 9.5/10
Return on EquityProfitability
67.9%10/10

Every $100 of equity generates 68 in profit

Revenue GrowthGrowth
58.0%10/10

Revenue surging 58.0% year-over-year

Market CapQuality
$65.96B9/10

Large-cap with strong market position

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Areas to Watch

BGSI4 concerns · Avg: 3.0/10
Return on EquityProfitability
1.4%3/10

ROE of 1.4% — below average capital efficiency

Profit MarginProfitability
0.6%3/10

0.6% margin — thin

Debt/EquityHealth
1.593/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

CVNA3 concerns · Avg: 3.7/10
P/E RatioValuation
35.6x4/10

Premium valuation, high expectations priced in

Price/BookValuation
12.8x4/10

Trading at 12.8x book value

Profit MarginProfitability
6.9%3/10

6.9% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : BGSI

The strongest argument for BGSI centers on EPS Growth, Altman Z-Score, Price/Book.

Bull Case : CVNA

The strongest argument for CVNA centers on Return on Equity, Revenue Growth, Market Cap. Revenue growth of 58.0% demonstrates continued momentum.

Bear Case : BGSI

The primary concerns for BGSI are Return on Equity, Profit Margin, Debt/Equity. A P/E of 170.2x leaves little room for execution misses. Debt-to-equity of 1.59 is elevated, increasing financial risk.

Bear Case : CVNA

The primary concerns for CVNA are P/E Ratio, Price/Book, Profit Margin.

Key Dynamics to Monitor

BGSI profiles as a value stock while CVNA is a hypergrowth play — different risk/reward profiles.

CVNA carries more volatility with a beta of 3.67 — expect wider price swings.

CVNA is growing revenue faster at 58.0% — sustainability is the question.

CVNA generates stronger free cash flow (379M), providing more financial flexibility.

Bottom Line

CVNA scores higher overall (60/100 vs 49/100) and 58.0% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Boyd Group Services Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Boyd Group Services Inc., operates non-franchised collision repair centers in North America. The company is headquartered in Winnipeg, Canada.

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Carvana Co

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Carvana Co., operates an e-commerce platform to buy and sell used cars in the United States. The company is headquartered in Tempe, Arizona.

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