WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Carvana Co generates 17986% more annual revenue ($20.32B vs $112.36M). CVNA leads profitability with a 6.9% profit margin vs 0.1%. CVNA earns a higher WallStSmart Score of 60/100 (C+).

CVNA

Buy

60

out of 100

Grade: C+

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

OTH

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 4.0Value: 5.0Quality: 5.8
Piotroski: 4/9Altman Z: 3.32
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVNAUndervalued (+8.1%)

Margin of Safety

+8.1%

Fair Value

$395.93

Current Price

$308.56

$87.37 discount

UndervaluedFair: $395.93Overvalued

Intrinsic value data unavailable for OTH.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

OTH1 strengths · Avg: 10.0/10
Altman Z-ScoreHealth
3.3210/10

Safe zone — low bankruptcy risk

Areas to Watch

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

OTH4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$48.21M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Profit MarginProfitability
0.1%3/10

0.1% margin — thin

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 58.0% demonstrates continued momentum.

Bull Case : OTH

The strongest argument for OTH centers on Altman Z-Score.

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. Thin 0.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

CVNA is growing revenue faster at 58.0% — sustainability is the question.

CVNA generates stronger free cash flow (379M), providing more financial flexibility.

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

Bottom Line

CVNA scores higher overall (60/100 vs 25/100) and 58.0% 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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