WallStSmart

CarMax Inc (KMX)vsOPENLANE, Inc. (OPLN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CarMax Inc generates 1308% more annual revenue ($28.20B vs $2.00B). OPLN leads profitability with a 9.5% profit margin vs 0.8%. KMX appears more attractively valued with a PEG of 0.56. OPLN earns a higher WallStSmart Score of 64/100 (C+).

KMX

Buy

53

out of 100

Grade: C-

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

OPLN

Buy

64

out of 100

Grade: C+

Growth: 7.3Profit: 6.5Value: 4.3Quality: 5.0
Piotroski: 6/9Altman Z: 1.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for KMX.

OPLNSignificantly Overvalued (-31.5%)

Margin of Safety

-31.5%

Fair Value

$21.81

Current Price

$40.44

$18.63 premium

UndervaluedFair: $21.81Overvalued

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
0.568/10

Growing faster than its price suggests

OPLN1 strengths · Avg: 10.0/10
EPS GrowthGrowth
94.4%10/10

Earnings expanding 94.4% YoY

Areas to Watch

KMX4 concerns · Avg: 3.5/10
P/E RatioValuation
35.6x4/10

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

OPLN2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.493/10

Elevated debt levels

Altman Z-ScoreHealth
1.202/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : KMX

The strongest argument for KMX centers on Price/Book, PEG Ratio. PEG of 0.56 suggests the stock is reasonably priced for its growth.

Bull Case : OPLN

The strongest argument for OPLN centers on EPS Growth. Revenue growth of 14.7% demonstrates continued momentum. PEG of 1.22 suggests the stock is reasonably priced for its growth.

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 : OPLN

The primary concerns for OPLN are Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

OPLN carries more volatility with a beta of 1.26 — expect wider price swings.

OPLN is growing revenue faster at 14.7% — sustainability is the question.

OPLN generates stronger free cash flow (147M), providing more financial flexibility.

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

Bottom Line

OPLN scores higher overall (64/100 vs 53/100) and 14.7% revenue growth. 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.

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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OPENLANE, Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

OPENLANE, Inc., is a digital marketplace for used vehicles, which connects sellers and buyers in the United States, Canada, Continental Europe and the United Kingdom. The company is headquartered in Carmel, Indiana.

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