Americas Car-Mart Inc (CRMT)vsCarvana Co (CVNA)
CRMT
Americas Car-Mart Inc
$1.90
+19.50%
CONSUMER CYCLICAL · Cap: $15.84M
CVNA
Carvana Co
$69.16
-1.59%
CONSUMER CYCLICAL · Cap: $77.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Carvana Co generates 2220% more annual revenue ($25.06B vs $1.08B). CVNA leads profitability with a 6.3% profit margin vs -18.7%. CVNA earns a higher WallStSmart Score of 60/100 (C+).
CRMT
Buy53
out of 100
Grade: C-
CVNA
Buy60
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.3%
Fair Value
$60.79
Current Price
$1.90
$58.89 discount
Margin of Safety
-49.3%
Fair Value
$46.33
Current Price
$69.16
$22.83 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 1835.0% YoY
Growing faster than its price suggests
Every $100 of equity generates 39 in profit
Revenue surging 52.4% year-over-year
Earnings expanding 61.5% YoY
Large-cap with strong market position
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
ROE of -19.7% — below average capital efficiency
Revenue declined 57.6%
Premium valuation, high expectations priced in
Trading at 12.3x book value
6.3% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CRMT
The strongest argument for CRMT centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bull Case : CVNA
The strongest argument for CVNA centers on Return on Equity, Revenue Growth, EPS Growth. Revenue growth of 52.4% demonstrates continued momentum.
Bear Case : CRMT
The primary concerns for CRMT are Market Cap, Debt/Equity, Return on Equity. Debt-to-equity of 1.78 is elevated, increasing financial risk.
Bear Case : CVNA
The primary concerns for CVNA are P/E Ratio, Price/Book, Profit Margin.
Key Dynamics to Monitor
CRMT profiles as a turnaround stock while CVNA is a hypergrowth play — different risk/reward profiles.
CVNA carries more volatility with a beta of 3.50 — expect wider price swings.
CVNA is growing revenue faster at 52.4% — sustainability is the question.
CVNA generates stronger free cash flow (187M), providing more financial flexibility.
Bottom Line
CVNA scores higher overall (60/100 vs 53/100) and 52.4% revenue growth. CRMT offers better value entry with a 63.3% margin of safety. 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.
Americas Car-Mart Inc
CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA
America's Car-Mart, Inc., is an automotive retailer in the United States. The company is headquartered in Rogers, Arkansas.
Carvana Co
CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA
Carvana Co., operates an e-commerce platform to buy and sell used cars in the United States. The company is headquartered in Tempe, Arizona.
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