WallStSmart

Carvana Co (CVNA)vsRush Enterprises B Inc (RUSHB)

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Smart Verdict

WallStSmart Research — data-driven comparison

Carvana Co generates 279% more annual revenue ($27.45B vs $7.24B). CVNA leads profitability with a 6.2% profit margin vs 3.7%. RUSHB trades at a lower P/E of 24.7x. CVNA earns a higher WallStSmart Score of 60/100 (C+).

CVNA

Buy

60

out of 100

Grade: C+

Growth: 9.3Profit: 7.0Value: 3.7Quality: 7.0
Piotroski: 5/9Altman Z: 2.18

RUSHB

Buy

54

out of 100

Grade: C-

Growth: 6.0Profit: 5.0Value: 4.0Quality: 6.0
Piotroski: 3/9Altman Z: 3.34
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVNASignificantly Overvalued (-32.8%)

Margin of Safety

-32.8%

Fair Value

$51.41

Current Price

$72.00

$20.59 premium

UndervaluedFair: $51.41Overvalued
RUSHBFair Value (-3.7%)

Margin of Safety

-3.7%

Fair Value

$63.04

Current Price

$59.14

$3.90 premium

UndervaluedFair: $63.04Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVNA4 strengths · Avg: 9.8/10
Return on EquityProfitability
38.9%10/10

Every $100 of equity generates 39 in profit

Revenue GrowthGrowth
42.4%10/10

Revenue surging 42.4% year-over-year

EPS GrowthGrowth
85.7%10/10

Earnings expanding 85.7% YoY

Market CapQuality
$75.70B9/10

Large-cap with strong market position

RUSHB2 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
3.3410/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Areas to Watch

CVNA4 concerns · Avg: 3.5/10
P/E RatioValuation
32.8x4/10

Premium valuation, high expectations priced in

Price/BookValuation
11.9x4/10

Trading at 11.9x book value

Profit MarginProfitability
6.2%3/10

6.2% margin — thin

Debt/EquityHealth
1.403/10

Elevated debt levels

RUSHB4 concerns · Avg: 2.8/10
Profit MarginProfitability
3.7%3/10

3.7% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
2.742/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CVNA

The strongest argument for CVNA centers on Return on Equity, Revenue Growth, EPS Growth. Revenue growth of 42.4% demonstrates continued momentum.

Bull Case : RUSHB

The strongest argument for RUSHB centers on Altman Z-Score, Price/Book. Revenue growth of 12.4% demonstrates continued momentum.

Bear Case : CVNA

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

Bear Case : RUSHB

The primary concerns for RUSHB are Profit Margin, Operating Margin, Piotroski F-Score. Thin 3.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

CVNA profiles as a hypergrowth stock while RUSHB 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 42.4% — sustainability is the question.

CVNA generates stronger free cash flow (187M), providing more financial flexibility.

Bottom Line

CVNA scores higher overall (60/100 vs 54/100) and 42.4% 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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Rush Enterprises B 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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