WallStSmart

CarGurus (CARG)vsCarvana Co (CVNA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Carvana Co generates 2141% more annual revenue ($20.32B vs $906.98M). CARG leads profitability with a 17.2% profit margin vs 6.9%. CARG trades at a lower P/E of 17.8x. CARG earns a higher WallStSmart Score of 67/100 (B-).

CARG

Strong Buy

67

out of 100

Grade: B-

Growth: 5.3Profit: 9.5Value: 10.0Quality: 7.8
Piotroski: 6/9Altman Z: 4.17

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

CARGUndervalued (+63.1%)

Margin of Safety

+63.1%

Fair Value

$74.48

Current Price

$35.45

$39.03 discount

UndervaluedFair: $74.48Overvalued
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

CARG4 strengths · Avg: 9.0/10
Return on EquityProfitability
43.0%10/10

Every $100 of equity generates 43 in profit

Altman Z-ScoreHealth
4.1710/10

Safe zone — low bankruptcy risk

P/E RatioValuation
17.8x8/10

Attractively priced relative to earnings

Operating MarginProfitability
28.7%8/10

Strong operational efficiency at 28.7%

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

CARG1 concerns · Avg: 4.0/10
Price/BookValuation
9.0x4/10

Trading at 9.0x book value

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 : CARG

The strongest argument for CARG centers on Return on Equity, Altman Z-Score, P/E Ratio. Profitability is solid with margins at 17.2% and operating margin at 28.7%. PEG of 1.01 suggests the stock is reasonably priced for its growth.

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 : CARG

The primary concerns for CARG are Price/Book.

Bear Case : CVNA

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

Key Dynamics to Monitor

CARG profiles as a mature 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

CARG scores higher overall (67/100 vs 60/100), backed by strong 17.2% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

CarGurus

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

CarGurus, Inc. operates an online automotive marketplace that connects buyers and sellers of new and used cars in the United States and internationally. The company is headquartered in Cambridge, Massachusetts.

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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