WallStSmart

OPENLANE, Inc. (OPLN)vsPenske Automotive Group Inc (PAG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Penske Automotive Group Inc generates 1452% more annual revenue ($32.20B vs $2.08B). OPLN leads profitability with a 9.7% profit margin vs 2.8%. OPLN appears more attractively valued with a PEG of 1.22. OPLN earns a higher WallStSmart Score of 67/100 (B-).

OPLN

Strong Buy

67

out of 100

Grade: B-

Growth: 8.0Profit: 6.5Value: 4.3Quality: 6.0
Piotroski: 6/9Altman Z: 1.20

PAG

Buy

52

out of 100

Grade: C-

Growth: 4.0Profit: 5.5Value: 5.7Quality: 5.0
Piotroski: 4/9Altman Z: 2.70
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

OPLNSignificantly Overvalued (-44.9%)

Margin of Safety

-44.9%

Fair Value

$19.80

Current Price

$35.28

$15.48 premium

UndervaluedFair: $19.80Overvalued

Intrinsic value data unavailable for PAG.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

OPLN3 strengths · Avg: 8.7/10
EPS GrowthGrowth
113.3%10/10

Earnings expanding 113.3% YoY

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.1%8/10

15.1% revenue growth

PAG2 strengths · Avg: 8.0/10
P/E RatioValuation
16.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Areas to Watch

OPLN1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.202/10

Distress zone — elevated risk

PAG4 concerns · Avg: 3.3/10
PEG RatioValuation
2.214/10

Expensive relative to growth rate

Profit MarginProfitability
2.8%3/10

2.8% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

Debt/EquityHealth
1.593/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : OPLN

The strongest argument for OPLN centers on EPS Growth, Price/Book, Revenue Growth. Revenue growth of 15.1% demonstrates continued momentum. PEG of 1.22 suggests the stock is reasonably priced for its growth.

Bull Case : PAG

The strongest argument for PAG centers on P/E Ratio, Price/Book.

Bear Case : OPLN

The primary concerns for OPLN are Altman Z-Score.

Bear Case : PAG

The primary concerns for PAG are PEG Ratio, Profit Margin, Operating Margin. Debt-to-equity of 1.59 is elevated, increasing financial risk. Thin 2.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

OPLN profiles as a growth stock while PAG is a value play — different risk/reward profiles.

OPLN carries more volatility with a beta of 1.26 — expect wider price swings.

OPLN is growing revenue faster at 15.1% — sustainability is the question.

PAG generates stronger free cash flow (132M), providing more financial flexibility.

Bottom Line

OPLN scores higher overall (67/100 vs 52/100) and 15.1% 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.

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.

Penske Automotive Group Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Penske Automotive Group, Inc., a diversified transportation services company, operates commercial and automotive truck dealerships. The company is headquartered in Bloomfield Hills, Michigan.

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