WallStSmart

CarMax Inc (KMX)vsKaixin Auto Holdings (KXIN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CarMax Inc generates 21858434% more annual revenue ($28.20B vs $129,000). KMX leads profitability with a 0.8% profit margin vs 0.0%. KMX earns a higher WallStSmart Score of 53/100 (C-).

KMX

Buy

53

out of 100

Grade: C-

Growth: 3.3Profit: 4.0Value: 5.7Quality: 5.5
Piotroski: 4/9Altman Z: 1.66

KXIN

Avoid

23

out of 100

Grade: F

Growth: 2.7Profit: 2.5Value: 6.7Quality: 5.0
Piotroski: 4/9Altman Z: -13.56
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for KMX.

KXINUndervalued (+59.0%)

Margin of Safety

+59.0%

Fair Value

$1.47

Current Price

$1.05

$0.42 discount

UndervaluedFair: $1.47Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KMX2 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

PEG RatioValuation
0.618/10

Growing faster than its price suggests

KXIN2 strengths · Avg: 10.0/10
Price/BookValuation
0.1x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Areas to Watch

KMX4 concerns · Avg: 3.5/10
P/E RatioValuation
37.6x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

Return on EquityProfitability
4.2%3/10

ROE of 4.2% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

KXIN4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$2.12M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Return on EquityProfitability
-235.3%2/10

ROE of -235.3% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : KMX

The strongest argument for KMX centers on Price/Book, PEG Ratio. PEG of 0.61 suggests the stock is reasonably priced for its growth.

Bull Case : KXIN

The strongest argument for KXIN centers on Price/Book, Debt/Equity.

Bear Case : KMX

The primary concerns for KMX are P/E Ratio, Altman Z-Score, Return on Equity. Debt-to-equity of 3.05 is elevated, increasing financial risk. Thin 0.8% margins leave little buffer for downturns.

Bear Case : KXIN

The primary concerns for KXIN are EPS Growth, Market Cap, Profit Margin.

Key Dynamics to Monitor

KXIN carries more volatility with a beta of 1.25 — expect wider price swings.

KMX is growing revenue faster at 5.5% — sustainability is the question.

KXIN generates stronger free cash flow (-1M), providing more financial flexibility.

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

Bottom Line

KMX scores higher overall (53/100 vs 23/100). KXIN offers better value entry with a 59.0% margin of safety. 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.

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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Kaixin Auto Holdings

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · China

Kaixin Auto Holdings is a used car dealer in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.

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