WallStSmart

CarMax Inc (KMX)vsOff The Hook YS Inc. (OTH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CarMax Inc generates 22924% more annual revenue ($28.20B vs $122.47M). KMX leads profitability with a 0.8% profit margin vs -4.6%. 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

OTH

Avoid

25

out of 100

Grade: F

Growth: 6.0Profit: 2.0Value: 5.0Quality: 5.0
Piotroski: 5/9Altman Z: 2.72

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KMX2 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

PEG RatioValuation
0.528/10

Growing faster than its price suggests

OTH0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

KMX4 concerns · Avg: 3.5/10
P/E RatioValuation
31.7x4/10

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

OTH4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$64.00M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-53.7%2/10

ROE of -53.7% — below average capital efficiency

Free Cash FlowQuality
$-23.74M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : KMX

The strongest argument for KMX centers on Price/Book, PEG Ratio. PEG of 0.52 suggests the stock is reasonably priced for its growth.

Bull Case : OTH

OTH has a balanced fundamental profile.

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 : OTH

The primary concerns for OTH are EPS Growth, Market Cap, Return on Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.

Key Dynamics to Monitor

KMX profiles as a value stock while OTH is a turnaround play — different risk/reward profiles.

OTH is growing revenue faster at 9.6% — sustainability is the question.

OTH generates stronger free cash flow (-24M), providing more financial flexibility.

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

Bottom Line

KMX scores higher overall (53/100 vs 25/100). 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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Off The Hook YS Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Off The Hook YS Inc. is a yacht and boat dealership which engages in the buying, selling, and wholesaling of yachts and boats. The company is headquartered in Wilmington, North Carolina.

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