WallStSmart

Carvana Co (CVNA)vsCVS Health Corp (CVS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CVS Health Corp generates 1701% more annual revenue ($405.62B vs $22.52B). CVNA leads profitability with a 6.4% profit margin vs 0.7%. CVS trades at a lower P/E of 38.3x. CVS earns a higher WallStSmart Score of 65/100 (C+).

CVNA

Buy

52

out of 100

Grade: C-

Growth: 8.0Profit: 7.0Value: 4.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.18

CVS

Buy

65

out of 100

Grade: C+

Growth: 7.3Profit: 4.0Value: 8.0Quality: 5.0
Piotroski: 4/9Altman Z: 2.11
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CVNA.

CVSUndervalued (+77.8%)

Margin of Safety

+77.8%

Fair Value

$346.22

Current Price

$90.55

$255.67 discount

UndervaluedFair: $346.22Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVNA5 strengths · Avg: 9.4/10
Market CapQuality
$317.62B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
60.2%10/10

Every $100 of equity generates 60 in profit

Revenue GrowthGrowth
52.0%10/10

Revenue surging 52.0% year-over-year

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Price/BookValuation
3.0x8/10

Reasonable price relative to book value

CVS5 strengths · Avg: 9.0/10
PEG RatioValuation
0.2310/10

Growing faster than its price suggests

EPS GrowthGrowth
63.1%10/10

Earnings expanding 63.1% YoY

Market CapQuality
$111.47B9/10

Large-cap with strong market position

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$3.40B8/10

Generating 3.4B in free cash flow

Areas to Watch

CVNA2 concerns · Avg: 2.5/10
Profit MarginProfitability
6.4%3/10

6.4% margin — thin

P/E RatioValuation
231.2x2/10

Premium valuation, high expectations priced in

CVS4 concerns · Avg: 3.3/10
P/E RatioValuation
38.3x4/10

Premium valuation, high expectations priced in

Return on EquityProfitability
3.8%3/10

ROE of 3.8% — below average capital efficiency

Profit MarginProfitability
0.7%3/10

0.7% margin — thin

Operating MarginProfitability
4.1%3/10

Operating margin of 4.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : CVNA

The strongest argument for CVNA centers on Market Cap, Return on Equity, Revenue Growth. Revenue growth of 52.0% demonstrates continued momentum.

Bull Case : CVS

The strongest argument for CVS centers on PEG Ratio, EPS Growth, Market Cap. PEG of 0.23 suggests the stock is reasonably priced for its growth.

Bear Case : CVNA

The primary concerns for CVNA are Profit Margin, P/E Ratio. A P/E of 231.2x leaves little room for execution misses.

Bear Case : CVS

The primary concerns for CVS are P/E Ratio, Return on Equity, Profit Margin. Thin 0.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

CVNA carries more volatility with a beta of 3.55 — expect wider price swings.

CVNA is growing revenue faster at 52.0% — sustainability is the question.

CVS generates stronger free cash flow (3.4B), providing more financial flexibility.

Bottom Line

CVS scores higher overall (65/100 vs 52/100). Both earn "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.

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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CVS Health Corp

HEALTHCARE · HEALTHCARE PLANS · USA

CVS Health (previously CVS Corporation and CVS Caremark Corporation) is an American healthcare company that owns CVS Pharmacy, a retail pharmacy chain; CVS Caremark, a pharmacy benefits manager; Aetna, a health insurance provider, among many other brands. The company's headquarters is in Woonsocket, Rhode Island.

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