WallStSmart

Chevron Corp (CVX)vsCarMax Inc (KMX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Chevron Corp generates 569% more annual revenue ($185.73B vs $27.76B). CVX leads profitability with a 5.9% profit margin vs 0.9%. KMX appears more attractively valued with a PEG of 0.38. KMX earns a higher WallStSmart Score of 52/100 (C-).

CVX

Buy

50

out of 100

Grade: C-

Growth: 2.7Profit: 5.0Value: 4.0Quality: 4.0
Piotroski: 2/9

KMX

Buy

52

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 8.7Quality: 4.5
Piotroski: 3/9Altman Z: 1.53
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVXSignificantly Overvalued (-42.2%)

Margin of Safety

-42.2%

Fair Value

$127.73

Current Price

$181.62

$53.89 premium

UndervaluedFair: $127.73Overvalued
KMXUndervalued (+83.0%)

Margin of Safety

+83.0%

Fair Value

$270.07

Current Price

$40.34

$229.73 discount

UndervaluedFair: $270.07Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVX2 strengths · Avg: 9.0/10
Market CapQuality
$360.80B10/10

Mega-cap, among the largest globally

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

KMX2 strengths · Avg: 10.0/10
PEG RatioValuation
0.3810/10

Growing faster than its price suggests

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Areas to Watch

CVX4 concerns · Avg: 3.5/10
P/E RatioValuation
31.8x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
3.5%4/10

3.5% revenue growth

Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Profit MarginProfitability
5.9%3/10

5.9% margin — thin

KMX4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Return on EquityProfitability
4.1%3/10

ROE of 4.1% — below average capital efficiency

Profit MarginProfitability
0.9%3/10

0.9% margin — thin

Operating MarginProfitability
1.8%3/10

Operating margin of 1.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : CVX

The strongest argument for CVX centers on Market Cap, Price/Book. PEG of 1.11 suggests the stock is reasonably priced for its growth.

Bull Case : KMX

The strongest argument for KMX centers on PEG Ratio, Price/Book. PEG of 0.38 suggests the stock is reasonably priced for its growth.

Bear Case : CVX

The primary concerns for CVX are P/E Ratio, Revenue Growth, Return on Equity.

Bear Case : KMX

The primary concerns for KMX are Altman Z-Score, Return on Equity, Profit Margin. Debt-to-equity of 2.75 is elevated, increasing financial risk. Thin 0.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

KMX carries more volatility with a beta of 1.18 — expect wider price swings.

CVX is growing revenue faster at 3.5% — sustainability is the question.

KMX generates stronger free cash flow (-687M), providing more financial flexibility.

Monitor OIL & GAS INTEGRATED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

KMX scores higher overall (52/100 vs 50/100). 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.

Chevron Corp

ENERGY · OIL & GAS INTEGRATED · USA

Chevron Corporation is an American multinational energy corporation. One of the successor companies of Standard Oil, it is headquartered in San Ramon, California, and active in more than 180 countries. Chevron is engaged in every aspect of the oil and natural gas industries, including hydrocarbon exploration and production; refining, marketing and transport; chemicals manufacturing and sales; and power generation.

CarMax Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

CarMax is a used vehicle retailer based in the United States. It operates two business segments: CarMax Sales Operations and CarMax Auto Finance.

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