WallStSmart

Boyd Group Services Inc. (BGSI)vsCarMax Inc (KMX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CarMax Inc generates 684% more annual revenue ($28.20B vs $3.59B). KMX leads profitability with a 0.8% profit margin vs 0.3%. KMX trades at a lower P/E of 37.6x. KMX earns a higher WallStSmart Score of 53/100 (C-).

BGSI

Hold

47

out of 100

Grade: D+

Growth: 5.3Profit: 4.5Value: 4.0Quality: 4.0
Piotroski: 3/9Altman Z: 1.77

KMX

Buy

53

out of 100

Grade: C-

Growth: 3.3Profit: 4.0Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 1.66

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BGSI2 strengths · Avg: 9.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
29.9%8/10

Revenue surging 29.9% year-over-year

KMX2 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

PEG RatioValuation
0.618/10

Growing faster than its price suggests

Areas to Watch

BGSI4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.774/10

Distress zone — elevated risk

Return on EquityProfitability
0.8%3/10

ROE of 0.8% — below average capital efficiency

Profit MarginProfitability
0.3%3/10

0.3% margin — thin

Operating MarginProfitability
4.3%3/10

Operating margin of 4.3%

KMX4 concerns · Avg: 3.5/10
P/E RatioValuation
37.6x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

Return on EquityProfitability
4.2%3/10

ROE of 4.2% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : BGSI

The strongest argument for BGSI centers on Price/Book, Revenue Growth. Revenue growth of 29.9% demonstrates continued momentum.

Bull Case : KMX

The strongest argument for KMX centers on Price/Book, PEG Ratio. PEG of 0.61 suggests the stock is reasonably priced for its growth.

Bear Case : BGSI

The primary concerns for BGSI are Altman Z-Score, Return on Equity, Profit Margin. A P/E of 194.1x leaves little room for execution misses. Thin 0.3% margins leave little buffer for downturns.

Bear Case : KMX

The primary concerns for KMX are P/E Ratio, Altman Z-Score, Return on Equity. Debt-to-equity of 3.05 is elevated, increasing financial risk. Thin 0.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

BGSI profiles as a growth stock while KMX is a value play — different risk/reward profiles.

KMX carries more volatility with a beta of 1.17 — expect wider price swings.

BGSI is growing revenue faster at 29.9% — sustainability is the question.

BGSI generates stronger free cash flow (88M), providing more financial flexibility.

Bottom Line

KMX scores higher overall (53/100 vs 47/100). 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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CarMax Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

CarMax is a used vehicle retailer based in the United States. It operates two business segments: CarMax Sales Operations and CarMax Auto Finance.

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