WallStSmart

Boyd Group Services Inc. (BGSI)vsCarMax Inc (KMX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CarMax Inc generates 786% more annual revenue ($27.83B vs $3.14B). KMX leads profitability with a 1.6% profit margin vs 0.6%. KMX trades at a lower P/E of 13.8x. KMX earns a higher WallStSmart Score of 54/100 (C-).

BGSI

Hold

49

out of 100

Grade: D+

Growth: 7.3Profit: 4.5Value: 3.0Quality: 6.5
Piotroski: 2/9Altman Z: 5.55

KMX

Buy

54

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 7.3Quality: 5.0
Piotroski: 5/9Altman Z: 1.64
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BGSISignificantly Overvalued (-373.9%)

Margin of Safety

-373.9%

Fair Value

$38.38

Current Price

$137.59

$99.21 premium

UndervaluedFair: $38.38Overvalued
KMXSignificantly Overvalued (-120.8%)

Margin of Safety

-120.8%

Fair Value

$20.74

Current Price

$41.88

$21.14 premium

UndervaluedFair: $20.74Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BGSI3 strengths · Avg: 9.3/10
EPS GrowthGrowth
71.4%10/10

Earnings expanding 71.4% YoY

Altman Z-ScoreHealth
5.5510/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

KMX4 strengths · Avg: 8.5/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.668/10

Growing faster than its price suggests

P/E RatioValuation
13.8x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.11B8/10

Generating 1.1B in free cash flow

Areas to Watch

BGSI4 concerns · Avg: 3.0/10
Return on EquityProfitability
1.4%3/10

ROE of 1.4% — below average capital efficiency

Profit MarginProfitability
0.6%3/10

0.6% margin — thin

Debt/EquityHealth
1.593/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

KMX4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.644/10

Distress zone — elevated risk

Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

Profit MarginProfitability
1.6%3/10

1.6% margin — thin

Operating MarginProfitability
1.8%3/10

Operating margin of 1.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : BGSI

The strongest argument for BGSI centers on EPS Growth, Altman Z-Score, Price/Book.

Bull Case : KMX

The strongest argument for KMX centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.66 suggests the stock is reasonably priced for its growth.

Bear Case : BGSI

The primary concerns for BGSI are Return on Equity, Profit Margin, Debt/Equity. A P/E of 170.2x leaves little room for execution misses. Debt-to-equity of 1.59 is elevated, increasing financial risk.

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 1.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

KMX carries more volatility with a beta of 1.33 — expect wider price swings.

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

KMX generates stronger free cash flow (1.1B), providing more financial flexibility.

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

Bottom Line

KMX scores higher overall (54/100 vs 49/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Boyd Group Services Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Boyd Group Services Inc., operates non-franchised collision repair centers in North America. The company is headquartered in Winnipeg, Canada.

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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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