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CARVANA CO (CVNA) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:CVNA - US1468691027 - Common Stock

457.4 USD
-3.48 (-0.76%)
Last: 1/16/2026, 12:39:04 PM
Fundamental Rating

5

Taking everything into account, CVNA scores 5 out of 10 in our fundamental rating. CVNA was compared to 122 industry peers in the Specialty Retail industry. CVNA has only an average score on both its financial health and profitability. CVNA is valued quite expensive, but it does show an excellent growth. With these ratings, CVNA could be worth investigating further for growth investing!.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year CVNA was profitable.
  • CVNA had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: CVNA reported negative net income in multiple years.
  • The reported operating cash flow has been mixed in the past 5 years: CVNA reported negative operating cash flow in multiple years.
CVNA Yearly Net Income VS EBIT VS OCF VS FCFCVNA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -1B -2B -3B

1.2 Ratios

  • CVNA has a Return On Assets of 6.38%. This is in the better half of the industry: CVNA outperforms 75.41% of its industry peers.
  • CVNA's Return On Equity of 27.60% is amongst the best of the industry. CVNA outperforms 86.89% of its industry peers.
  • With an excellent Return On Invested Capital value of 17.57%, CVNA belongs to the best of the industry, outperforming 86.07% of the companies in the same industry.
Industry RankSector Rank
ROA 6.38%
ROE 27.6%
ROIC 17.57%
ROA(3y)-3.14%
ROA(5y)-3.39%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CVNA Yearly ROA, ROE, ROICCVNA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 200 300

1.3 Margins

  • CVNA has a Profit Margin of 3.44%. This is in the better half of the industry: CVNA outperforms 71.31% of its industry peers.
  • With an excellent Operating Margin value of 9.40%, CVNA belongs to the best of the industry, outperforming 81.15% of the companies in the same industry.
  • With a Gross Margin value of 21.37%, CVNA is not doing good in the industry: 79.51% of the companies in the same industry are doing better.
  • In the last couple of years the Gross Margin of CVNA has grown nicely.
Industry RankSector Rank
OM 9.4%
PM (TTM) 3.44%
GM 21.37%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y11.8%
GM growth 5Y10.37%
CVNA Yearly Profit, Operating, Gross MarginsCVNA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

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6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so CVNA is creating value.
  • The number of shares outstanding for CVNA has been increased compared to 1 year ago.
  • CVNA has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for CVNA has been reduced compared to a year ago.
CVNA Yearly Shares OutstandingCVNA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
CVNA Yearly Total Debt VS Total AssetsCVNA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

  • An Altman-Z score of 10.82 indicates that CVNA is not in any danger for bankruptcy at the moment.
  • CVNA has a better Altman-Z score (10.82) than 97.54% of its industry peers.
  • The Debt to FCF ratio of CVNA is 9.53, which is on the high side as it means it would take CVNA, 9.53 years of fcf income to pay off all of its debts.
  • CVNA's Debt to FCF ratio of 9.53 is in line compared to the rest of the industry. CVNA outperforms 56.56% of its industry peers.
  • A Debt/Equity ratio of 2.14 is on the high side and indicates that CVNA has dependencies on debt financing.
  • CVNA has a worse Debt to Equity ratio (2.14) than 69.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.14
Debt/FCF 9.53
Altman-Z 10.82
ROIC/WACC1.85
WACC9.49%
CVNA Yearly LT Debt VS Equity VS FCFCVNA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B 6B

2.3 Liquidity

  • CVNA has a Current Ratio of 4.05. This indicates that CVNA is financially healthy and has no problem in meeting its short term obligations.
  • CVNA has a Current ratio of 4.05. This is amongst the best in the industry. CVNA outperforms 93.44% of its industry peers.
  • CVNA has a Quick Ratio of 2.55. This indicates that CVNA is financially healthy and has no problem in meeting its short term obligations.
  • CVNA has a Quick ratio of 2.55. This is amongst the best in the industry. CVNA outperforms 91.80% of its industry peers.
Industry RankSector Rank
Current Ratio 4.05
Quick Ratio 2.55
CVNA Yearly Current Assets VS Current LiabilitesCVNA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 43700.00% over the past year.
  • CVNA shows a strong growth in Revenue. In the last year, the Revenue has grown by 45.55%.
  • Measured over the past years, CVNA shows a very strong growth in Revenue. The Revenue has been growing by 28.25% on average per year.
EPS 1Y (TTM)43700%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%60.94%
Revenue 1Y (TTM)45.55%
Revenue growth 3Y2.19%
Revenue growth 5Y28.25%
Sales Q2Q%54.5%

3.2 Future

  • Based on estimates for the next years, CVNA will show a very strong growth in Earnings Per Share. The EPS will grow by 49.29% on average per year.
  • The Revenue is expected to grow by 27.94% on average over the next years. This is a very strong growth
EPS Next Y233.13%
EPS Next 2Y114.01%
EPS Next 3Y84.98%
EPS Next 5Y49.29%
Revenue Next Year48.02%
Revenue Next 2Y37.25%
Revenue Next 3Y33.03%
Revenue Next 5Y27.94%

3.3 Evolution

  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
CVNA Yearly Revenue VS EstimatesCVNA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 50B 100B
CVNA Yearly EPS VS EstimatesCVNA Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 5 -5 10 -10

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3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 104.43, which means the current valuation is very expensive for CVNA.
  • CVNA's Price/Earnings ratio is in line with the industry average.
  • CVNA is valuated expensively when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 63.61 indicates a quite expensive valuation of CVNA.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CVNA.
  • The average S&P500 Price/Forward Earnings ratio is at 24.31. CVNA is valued rather expensively when compared to this.
Industry RankSector Rank
PE 104.43
Fwd PE 63.61
CVNA Price Earnings VS Forward Price EarningsCVNA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • 68.03% of the companies in the same industry are cheaper than CVNA, based on the Enterprise Value to EBITDA ratio.
  • CVNA's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 182.24
EV/EBITDA 51.7
CVNA Per share dataCVNA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as CVNA's earnings are expected to grow with 84.98% in the coming years.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y114.01%
EPS Next 3Y84.98%

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0

5. Dividend

5.1 Amount

  • No dividends for CVNA!.
Industry RankSector Rank
Dividend Yield 0%

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CARVANA CO

NYSE:CVNA (1/16/2026, 12:39:04 PM)

457.4

-3.48 (-0.76%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)10-29
Earnings (Next)02-17
Inst Owners98.05%
Inst Owner Change0.2%
Ins Owners2.14%
Ins Owner Change-2.26%
Market Cap99.50B
Revenue(TTM)18.27B
Net Income(TTM)629.00M
Analysts81.21
Price Target448.25 (-2%)
Short Float %10.34%
Short Ratio3.23
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.28%
Min EPS beat(2)-19.89%
Max EPS beat(2)13.33%
EPS beat(4)3
Avg EPS beat(4)53.73%
Min EPS beat(4)-19.89%
Max EPS beat(4)130.76%
EPS beat(8)6
Avg EPS beat(8)97.4%
EPS beat(12)10
Avg EPS beat(12)84.87%
EPS beat(16)10
Avg EPS beat(16)52.77%
Revenue beat(2)2
Avg Revenue beat(2)6.22%
Min Revenue beat(2)3.4%
Max Revenue beat(2)9.04%
Revenue beat(4)4
Avg Revenue beat(4)5.4%
Min Revenue beat(4)3.4%
Max Revenue beat(4)9.04%
Revenue beat(8)7
Avg Revenue beat(8)4.34%
Revenue beat(12)8
Avg Revenue beat(12)2.72%
Revenue beat(16)10
Avg Revenue beat(16)1.45%
PT rev (1m)5.19%
PT rev (3m)8.27%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)8.78%
EPS NY rev (1m)-1.1%
EPS NY rev (3m)3.8%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)8.8%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)5.31%
Valuation
Industry RankSector Rank
PE 104.43
Fwd PE 63.61
P/S 5.45
P/FCF 182.24
P/OCF 149.4
P/B 43.66
P/tB 44.4
EV/EBITDA 51.7
EPS(TTM)4.38
EY0.96%
EPS(NY)7.19
Fwd EY1.57%
FCF(TTM)2.51
FCFY0.55%
OCF(TTM)3.06
OCFY0.67%
SpS83.97
BVpS10.48
TBVpS10.3
PEG (NY)0.45
PEG (5Y)N/A
Graham Number32.13
Profitability
Industry RankSector Rank
ROA 6.38%
ROE 27.6%
ROCE 20.67%
ROIC 17.57%
ROICexc 23.6%
ROICexgc 23.75%
OM 9.4%
PM (TTM) 3.44%
GM 21.37%
FCFM 2.99%
ROA(3y)-3.14%
ROA(5y)-3.39%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y11.8%
GM growth 5Y10.37%
F-Score8
Asset Turnover1.85
Health
Industry RankSector Rank
Debt/Equity 2.14
Debt/FCF 9.53
Debt/EBITDA 2.45
Cap/Depr 42.86%
Cap/Sales 0.66%
Interest Coverage 5.04
Cash Conversion 33.35%
Profit Quality 86.8%
Current Ratio 4.05
Quick Ratio 2.55
Altman-Z 10.82
F-Score8
WACC9.49%
ROIC/WACC1.85
Cap/Depr(3y)83.57%
Cap/Depr(5y)253.76%
Cap/Sales(3y)1.75%
Cap/Sales(5y)3.2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)43700%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%60.94%
EPS Next Y233.13%
EPS Next 2Y114.01%
EPS Next 3Y84.98%
EPS Next 5Y49.29%
Revenue 1Y (TTM)45.55%
Revenue growth 3Y2.19%
Revenue growth 5Y28.25%
Sales Q2Q%54.5%
Revenue Next Year48.02%
Revenue Next 2Y37.25%
Revenue Next 3Y33.03%
Revenue Next 5Y27.94%
EBIT growth 1Y147.76%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year130.59%
EBIT Next 3Y56.75%
EBIT Next 5Y41.43%
FCF growth 1Y215.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y119.8%
OCF growth 3YN/A
OCF growth 5YN/A

CARVANA CO / CVNA FAQ

What is the fundamental rating for CVNA stock?

ChartMill assigns a fundamental rating of 5 / 10 to CVNA.


Can you provide the valuation status for CARVANA CO?

ChartMill assigns a valuation rating of 3 / 10 to CARVANA CO (CVNA). This can be considered as Overvalued.


What is the profitability of CVNA stock?

CARVANA CO (CVNA) has a profitability rating of 5 / 10.


What is the financial health of CARVANA CO (CVNA) stock?

The financial health rating of CARVANA CO (CVNA) is 6 / 10.


How sustainable is the dividend of CARVANA CO (CVNA) stock?

The dividend rating of CARVANA CO (CVNA) is 0 / 10 and the dividend payout ratio is 0%.