WallStSmart

Carvana Co (CVNA)vsOff The Hook YS Inc. (OTH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Carvana Co generates 20360% more annual revenue ($25.06B vs $122.47M). CVNA leads profitability with a 6.3% profit margin vs -4.6%. CVNA earns a higher WallStSmart Score of 58/100 (C).

CVNA

Buy

58

out of 100

Grade: C

Growth: 9.3Profit: 7.0Value: 3.7Quality: 7.0
Piotroski: 5/9Altman Z: 2.18

OTH

Avoid

25

out of 100

Grade: F

Growth: 6.0Profit: 2.0Value: 5.0Quality: 5.0
Piotroski: 5/9Altman Z: 2.72
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVNASignificantly Overvalued (-51.5%)

Margin of Safety

-51.5%

Fair Value

$46.16

Current Price

$74.09

$27.93 premium

UndervaluedFair: $46.16Overvalued

Intrinsic value data unavailable for OTH.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVNA4 strengths · Avg: 9.8/10
Return on EquityProfitability
38.9%10/10

Every $100 of equity generates 39 in profit

Revenue GrowthGrowth
52.4%10/10

Revenue surging 52.4% year-over-year

EPS GrowthGrowth
61.5%10/10

Earnings expanding 61.5% YoY

Market CapQuality
$112.48B9/10

Large-cap with strong market position

OTH0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

CVNA4 concerns · Avg: 3.5/10
P/E RatioValuation
40.0x4/10

Premium valuation, high expectations priced in

Price/BookValuation
13.2x4/10

Trading at 13.2x book value

Profit MarginProfitability
6.3%3/10

6.3% margin — thin

Debt/EquityHealth
1.403/10

Elevated debt levels

OTH4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$64.00M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-53.7%2/10

ROE of -53.7% — below average capital efficiency

Free Cash FlowQuality
$-23.74M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CVNA

The strongest argument for CVNA centers on Return on Equity, Revenue Growth, EPS Growth. Revenue growth of 52.4% demonstrates continued momentum.

Bull Case : OTH

OTH has a balanced fundamental profile.

Bear Case : CVNA

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

Bear Case : OTH

The primary concerns for OTH are EPS Growth, Market Cap, Return on Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.

Key Dynamics to Monitor

CVNA profiles as a hypergrowth stock while OTH is a turnaround play — different risk/reward profiles.

CVNA is growing revenue faster at 52.4% — sustainability is the question.

CVNA generates stronger free cash flow (187M), providing more financial flexibility.

Monitor AUTO & TRUCK DEALERSHIPS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CVNA scores higher overall (58/100 vs 25/100) and 52.4% revenue growth. Both earn "Buy" and "Avoid" 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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Off The Hook YS Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Off The Hook YS Inc. is a yacht and boat dealership which engages in the buying, selling, and wholesaling of yachts and boats. The company is headquartered in Wilmington, North Carolina.

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