WallStSmart

Carvana Co (CVNA)vsRush Enterprises B Inc (RUSHB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Carvana Co generates 210% more annual revenue ($22.52B vs $7.27B). CVNA leads profitability with a 6.4% profit margin vs 3.6%. RUSHB trades at a lower P/E of 21.4x. CVNA earns a higher WallStSmart Score of 56/100 (C).

CVNA

Buy

56

out of 100

Grade: C

Growth: 8.0Profit: 7.0Value: 3.7Quality: 8.5
Piotroski: 5/9Altman Z: 2.18

RUSHB

Hold

46

out of 100

Grade: D+

Growth: 4.0Profit: 5.0Value: 5.3Quality: 6.0
Piotroski: 3/9Altman Z: 3.34
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVNASignificantly Overvalued (-74.9%)

Margin of Safety

-74.9%

Fair Value

$40.04

Current Price

$67.25

$27.21 premium

UndervaluedFair: $40.04Overvalued
RUSHBUndervalued (+20.3%)

Margin of Safety

+20.3%

Fair Value

$82.03

Current Price

$67.00

$15.03 discount

UndervaluedFair: $82.03Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVNA4 strengths · Avg: 9.5/10
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
$70.31B9/10

Large-cap with strong market position

Debt/EquityHealth
0.179/10

Conservative balance sheet, low leverage

RUSHB2 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.3410/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

CVNA3 concerns · Avg: 3.7/10
P/E RatioValuation
37.3x4/10

Premium valuation, high expectations priced in

Price/BookValuation
12.9x4/10

Trading at 12.9x book value

Profit MarginProfitability
6.4%3/10

6.4% margin — thin

RUSHB4 concerns · Avg: 2.8/10
Profit MarginProfitability
3.6%3/10

3.6% margin — thin

Operating MarginProfitability
4.9%3/10

Operating margin of 4.9%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
2.742/10

Expensive relative to growth rate

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 : RUSHB

The strongest argument for RUSHB centers on Altman Z-Score, Price/Book.

Bear Case : CVNA

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

Bear Case : RUSHB

The primary concerns for RUSHB are Profit Margin, Operating Margin, Piotroski F-Score. Thin 3.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

CVNA carries more volatility with a beta of 3.45 — expect wider price swings.

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

CVNA generates stronger free cash flow (56M), providing more financial flexibility.

Bottom Line

CVNA scores higher overall (56/100 vs 46/100) and 52.0% revenue growth. RUSHB offers better value entry with a 20.3% margin of safety. Both earn "Buy" and "Hold" 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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Rush Enterprises B Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Rush Enterprises, Inc. is an integrated retailer of commercial vehicles and related services in the United States. The company is headquartered in New Braunfels, Texas.

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