WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

CarMax Inc generates 1319% more annual revenue ($29.46B vs $2.08B). OPLN leads profitability with a 9.7% profit margin vs 1.0%. KMX appears more attractively valued with a PEG of 0.61. OPLN earns a higher WallStSmart Score of 67/100 (B-).

KMX

Strong Buy

65

out of 100

Grade: B-

Growth: 6.7Profit: 4.0Value: 6.3Quality: 5.5
Piotroski: 4/9Altman Z: 1.66

OPLN

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.5Value: 4.3Quality: 6.0
Piotroski: 6/9Altman Z: 1.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for KMX.

OPLNSignificantly Overvalued (-44.3%)

Margin of Safety

-44.3%

Fair Value

$19.88

Current Price

$38.76

$18.88 premium

UndervaluedFair: $19.88Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KMX4 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
81.6%10/10

Earnings expanding 81.6% YoY

PEG RatioValuation
0.618/10

Growing faster than its price suggests

Revenue GrowthGrowth
17.7%8/10

17.7% revenue growth

OPLN2 strengths · Avg: 9.0/10
EPS GrowthGrowth
113.3%10/10

Earnings expanding 113.3% YoY

Revenue GrowthGrowth
15.1%8/10

15.1% revenue growth

Areas to Watch

KMX4 concerns · Avg: 3.3/10
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
1.0%3/10

1.0% margin — thin

Operating MarginProfitability
2.8%3/10

Operating margin of 2.8%

OPLN1 concerns · Avg: 2.0/10
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, EPS Growth, PEG Ratio. Revenue growth of 17.7% demonstrates continued momentum. PEG of 0.61 suggests the stock is reasonably priced for its growth.

Bull Case : OPLN

The strongest argument for OPLN centers on EPS Growth, Revenue Growth. Revenue growth of 15.1% 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 Altman Z-Score, Return on Equity, Profit Margin. Debt-to-equity of 2.83 is elevated, increasing financial risk. Thin 1.0% margins leave little buffer for downturns.

Bear Case : OPLN

The primary concerns for OPLN are Altman Z-Score.

Key Dynamics to Monitor

OPLN carries more volatility with a beta of 1.27 — expect wider price swings.

KMX is growing revenue faster at 17.7% — sustainability is the question.

KMX generates stronger free cash flow (806M), providing more financial flexibility.

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

Bottom Line

OPLN scores higher overall (67/100 vs 65/100) and 15.1% revenue growth. Both earn "Strong Buy" and "Strong 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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