WallStSmart

CarMax Inc (KMX)vsOPENLANE, Inc. (OPLN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CarMax Inc generates 1339% more annual revenue ($27.83B vs $1.93B). OPLN leads profitability with a 9.2% profit margin vs 1.6%. KMX appears more attractively valued with a PEG of 0.66. OPLN earns a higher WallStSmart Score of 67/100 (B-).

KMX

Buy

54

out of 100

Grade: C-

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

OPLN

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 6.5Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

KMXSignificantly Overvalued (-120.8%)

Margin of Safety

-120.8%

Fair Value

$20.74

Current Price

$41.88

$21.14 premium

UndervaluedFair: $20.74Overvalued

Intrinsic value data unavailable for OPLN.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

OPLN2 strengths · Avg: 9.0/10
EPS GrowthGrowth
108.3%10/10

Earnings expanding 108.3% YoY

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

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%

OPLN0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : OPLN

The strongest argument for OPLN centers on EPS Growth, Price/Book. PEG of 1.22 suggests the stock is reasonably priced for its growth.

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.

Bear Case : OPLN

No major red flags identified for OPLN, but monitor valuation.

Key Dynamics to Monitor

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

OPLN is growing revenue faster at 8.6% — 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

OPLN scores higher overall (67/100 vs 54/100). Both earn "Strong 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.

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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OPENLANE, Inc.

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

OPENLANE, Inc., is a digital marketplace for used vehicles, which connects sellers and buyers in the United States, Canada, Continental Europe and the United Kingdom. The company is headquartered in Carmel, Indiana.

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