WallStSmart

Carvana Co (CVNA)vsOPENLANE, Inc. (OPLN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Carvana Co generates 1025% more annual revenue ($22.52B vs $2.00B). OPLN leads profitability with a 9.5% profit margin vs 6.4%. OPLN earns a higher WallStSmart Score of 64/100 (C+).

CVNA

Buy

56

out of 100

Grade: C

Growth: 8.0Profit: 7.0Value: 3.7Quality: 7.0
Piotroski: 5/9Altman Z: 2.18

OPLN

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 6.5Value: 4.3Quality: 5.0
Piotroski: 6/9Altman Z: 1.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVNASignificantly Overvalued (-61.5%)

Margin of Safety

-61.5%

Fair Value

$40.92

Current Price

$61.40

$20.48 premium

UndervaluedFair: $40.92Overvalued
OPLNSignificantly Overvalued (-31.5%)

Margin of Safety

-31.5%

Fair Value

$21.81

Current Price

$40.44

$18.63 premium

UndervaluedFair: $21.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVNA3 strengths · Avg: 9.7/10
Return on EquityProfitability
42.9%10/10

Every $100 of equity generates 43 in profit

Revenue GrowthGrowth
52.0%10/10

Revenue surging 52.0% year-over-year

Market CapQuality
$68.83B9/10

Large-cap with strong market position

OPLN1 strengths · Avg: 10.0/10
EPS GrowthGrowth
94.4%10/10

Earnings expanding 94.4% YoY

Areas to Watch

CVNA4 concerns · Avg: 3.5/10
P/E RatioValuation
38.0x4/10

Premium valuation, high expectations priced in

Price/BookValuation
11.8x4/10

Trading at 11.8x book value

Profit MarginProfitability
6.4%3/10

6.4% margin — thin

Debt/EquityHealth
1.493/10

Elevated debt levels

OPLN2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.493/10

Elevated debt levels

Altman Z-ScoreHealth
1.202/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CVNA

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

Bull Case : OPLN

The strongest argument for OPLN centers on EPS Growth. Revenue growth of 14.7% demonstrates continued momentum. PEG of 1.22 suggests the stock is reasonably priced for its growth.

Bear Case : CVNA

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

Bear Case : OPLN

The primary concerns for OPLN are Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

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

CVNA carries more volatility with a beta of 3.46 — expect wider price swings.

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

OPLN generates stronger free cash flow (147M), providing more financial flexibility.

Bottom Line

OPLN scores higher overall (64/100 vs 56/100) and 14.7% revenue growth. 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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OPENLANE, Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

OPENLANE, Inc., is a digital marketplace for used vehicles, which connects sellers and buyers in the United States, Canada, Continental Europe and the United Kingdom. The company is headquartered in Carmel, Indiana.

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