WallStSmart

Carvana Co (CVNA)vsRush Enterprises A Inc (RUSHA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Carvana Co generates 210% more annual revenue ($22.52B vs $7.27B). CVNA leads profitability with a 6.4% profit margin vs 3.6%. RUSHA trades at a lower P/E of 22.1x. CVNA earns a higher WallStSmart Score of 56/100 (C).

CVNA

Buy

56

out of 100

Grade: C

Growth: 8.0Profit: 7.0Value: 3.7Quality: 8.5
Piotroski: 4/9Altman Z: 2.18

RUSHA

Hold

47

out of 100

Grade: D+

Growth: 4.0Profit: 5.0Value: 6.0Quality: 6.3
Piotroski: 4/9Altman Z: 3.13
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVNASignificantly Overvalued (-44.4%)

Margin of Safety

-44.4%

Fair Value

$252.13

Current Price

$376.55

$124.42 premium

UndervaluedFair: $252.13Overvalued
RUSHAUndervalued (+55.8%)

Margin of Safety

+55.8%

Fair Value

$164.81

Current Price

$71.03

$93.78 discount

UndervaluedFair: $164.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVNA4 strengths · Avg: 9.5/10
Return on EquityProfitability
60.2%10/10

Every $100 of equity generates 60 in profit

Revenue GrowthGrowth
52.0%10/10

Revenue surging 52.0% year-over-year

Market CapQuality
$84.54B9/10

Large-cap with strong market position

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

RUSHA2 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.1310/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

CVNA3 concerns · Avg: 3.0/10
Price/BookValuation
14.5x4/10

Trading at 14.5x book value

Profit MarginProfitability
6.4%3/10

6.4% margin — thin

P/E RatioValuation
44.2x2/10

Premium valuation, high expectations priced in

RUSHA4 concerns · Avg: 2.5/10
Profit MarginProfitability
3.6%3/10

3.6% margin — thin

Operating MarginProfitability
4.9%3/10

Operating margin of 4.9%

PEG RatioValuation
3.162/10

Expensive relative to growth rate

Revenue GrowthGrowth
-9.0%2/10

Revenue declined 9.0%

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 52.0% demonstrates continued momentum.

Bull Case : RUSHA

The strongest argument for RUSHA centers on Altman Z-Score, Price/Book.

Bear Case : CVNA

The primary concerns for CVNA are Price/Book, Profit Margin, P/E Ratio. A P/E of 44.2x leaves little room for execution misses.

Bear Case : RUSHA

The primary concerns for RUSHA are Profit Margin, Operating Margin, PEG Ratio. Thin 3.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

CVNA carries more volatility with a beta of 3.55 — expect wider price swings.

CVNA is growing revenue faster at 52.0% — sustainability is the question.

CVNA generates stronger free cash flow (56M), providing more financial flexibility.

Bottom Line

CVNA scores higher overall (56/100 vs 47/100) and 52.0% revenue growth. RUSHA offers better value entry with a 55.8% margin of safety. 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.

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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Rush Enterprises A Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Rush Enterprises, Inc. is an integrated retailer of commercial vehicles and related services in the United States. The company is headquartered in New Braunfels, Texas.

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