WallStSmart

CarMax Inc (KMX)vsValvoline Inc (VVV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CarMax Inc generates 1483% more annual revenue ($27.83B vs $1.76B). VVV leads profitability with a 4.9% profit margin vs 1.6%. KMX appears more attractively valued with a PEG of 0.66. VVV earns a higher WallStSmart Score of 69/100 (B-).

KMX

Buy

54

out of 100

Grade: C-

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

VVV

Strong Buy

69

out of 100

Grade: B-

Growth: 8.7Profit: 7.5Value: 7.3Quality: 4.3
Piotroski: 4/9Altman Z: 1.31
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
VVVSignificantly Overvalued (-20.4%)

Margin of Safety

-20.4%

Fair Value

$32.29

Current Price

$35.20

$2.91 premium

UndervaluedFair: $32.29Overvalued

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

VVV4 strengths · Avg: 8.5/10
Return on EquityProfitability
33.0%10/10

Every $100 of equity generates 33 in profit

Operating MarginProfitability
26.2%8/10

Strong operational efficiency at 26.2%

Revenue GrowthGrowth
28.1%8/10

Revenue surging 28.1% year-over-year

EPS GrowthGrowth
40.3%8/10

Earnings expanding 40.3% YoY

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%

VVV4 concerns · Avg: 2.8/10
Price/BookValuation
14.5x4/10

Trading at 14.5x book value

Profit MarginProfitability
4.9%3/10

4.9% margin — thin

P/E RatioValuation
49.8x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.312/10

Distress zone — elevated risk

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 : VVV

The strongest argument for VVV centers on Return on Equity, Operating Margin, Revenue Growth. Revenue growth of 28.1% demonstrates continued momentum. PEG of 1.10 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 : VVV

The primary concerns for VVV are Price/Book, Profit Margin, P/E Ratio. A P/E of 49.8x leaves little room for execution misses. Thin 4.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

KMX profiles as a value stock while VVV is a growth play — different risk/reward profiles.

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

VVV is growing revenue faster at 28.1% — sustainability is the question.

KMX generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

VVV scores higher overall (69/100 vs 54/100) and 28.1% revenue growth. 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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Valvoline Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Valvoline Inc. manufactures, markets and supplies automotive and engine maintenance products and services. The company is headquartered in Lexington, Kentucky.

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