WallStSmart

Carvana Co (CVNA)vsGroup 1 Automotive Inc (GPI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Group 1 Automotive Inc generates 11% more annual revenue ($22.57B vs $20.32B). CVNA leads profitability with a 6.9% profit margin vs 1.4%. GPI trades at a lower P/E of 12.6x. CVNA earns a higher WallStSmart Score of 60/100 (C+).

CVNA

Buy

60

out of 100

Grade: C+

Growth: 8.0Profit: 7.0Value: 7.0Quality: 8.5
Piotroski: 4/9Altman Z: 2.18

GPI

Buy

55

out of 100

Grade: C

Growth: 4.7Profit: 5.0Value: 7.3Quality: 5.5
Piotroski: 4/9Altman Z: 3.26
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVNAUndervalued (+8.1%)

Margin of Safety

+8.1%

Fair Value

$395.93

Current Price

$308.56

$87.37 discount

UndervaluedFair: $395.93Overvalued
GPISignificantly Overvalued (-97.2%)

Margin of Safety

-97.2%

Fair Value

$170.95

Current Price

$326.86

$155.91 premium

UndervaluedFair: $170.95Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVNA4 strengths · Avg: 9.5/10
Return on EquityProfitability
67.9%10/10

Every $100 of equity generates 68 in profit

Revenue GrowthGrowth
58.0%10/10

Revenue surging 58.0% year-over-year

Market CapQuality
$65.96B9/10

Large-cap with strong market position

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

GPI4 strengths · Avg: 9.5/10
PEG RatioValuation
0.3310/10

Growing faster than its price suggests

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.2610/10

Safe zone — low bankruptcy risk

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Areas to Watch

CVNA3 concerns · Avg: 3.7/10
P/E RatioValuation
35.6x4/10

Premium valuation, high expectations priced in

Price/BookValuation
12.8x4/10

Trading at 12.8x book value

Profit MarginProfitability
6.9%3/10

6.9% margin — thin

GPI4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
0.6%4/10

0.6% revenue growth

Profit MarginProfitability
1.4%3/10

1.4% margin — thin

Operating MarginProfitability
3.9%3/10

Operating margin of 3.9%

EPS GrowthGrowth
-50.2%2/10

Earnings declined 50.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : CVNA

The strongest argument for CVNA centers on Return on Equity, Revenue Growth, Market Cap. Revenue growth of 58.0% demonstrates continued momentum.

Bull Case : GPI

The strongest argument for GPI centers on PEG Ratio, Price/Book, Altman Z-Score. PEG of 0.33 suggests the stock is reasonably priced for its growth.

Bear Case : CVNA

The primary concerns for CVNA are P/E Ratio, Price/Book, Profit Margin.

Bear Case : GPI

The primary concerns for GPI are Revenue Growth, Profit Margin, Operating Margin. Debt-to-equity of 2.10 is elevated, increasing financial risk. Thin 1.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

CVNA profiles as a hypergrowth stock while GPI is a value play — different risk/reward profiles.

CVNA carries more volatility with a beta of 3.67 — expect wider price swings.

CVNA is growing revenue faster at 58.0% — sustainability is the question.

CVNA generates stronger free cash flow (379M), providing more financial flexibility.

Bottom Line

CVNA scores higher overall (60/100 vs 55/100) and 58.0% 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.

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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Group 1 Automotive Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Group 1 Automotive, Inc., operates in the automotive retail industry. The company is headquartered in Houston, Texas.

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