Valuation
26% of the score, 30% here after data gaps
40median 53
Carvana is valued at 29.7x its operating profit, including debt: a rich multiple.
60x
50x
35x
25x
18x
12x
8x
29.7x
Full points at 8x or less, none from 60xfull points
CVNACarvana
$57.79-16% 1Y
$57.79
$56.2652 weeks$95.69
RyuScore
Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
RyuScore 43 out of 100, Below average
Today's price. Only valuation depends on it.
Below average. Carvana scores higher than 37% of the 2,231 companies Ryufin scores.
Carried by return on new capital and earnings quality, held back by return on capital and valuation.
Consumer Cyclical median 66 · all companies 55
How the score has moved
At each fiscal year end, from the reports and price of the time16
12
8
20
39
43
20202022202320242025today
The biggest move was up 19 points from 2024 to 2025, mostly return on new capital.
Return on capital
18% of the score, 20% here after data gaps
0median 24
Over 7 years the business earned 0% a year after tax on the capital it uses.
2%
8%
15%
25%
0%
None at 2% or less, full points from 25%full points
7 years agolatest 19%
Return on new capital
16% of the score, 18% here after data gaps
100median 33
For every dollar of operating profit earned over 6 years, yearly profit grew by 1588 cents. New capital earned 34%, and 4730% of profit went back into the business.
-5%
12%
1588%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score, 16% here after data gaps
21median 63
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countUp 28.1% a year over 5 years: new shares
05%
-3%
28%
0 pointsfull points
Assets against salesAssets grew 34% a year, sales 29%
5212%
-2%
4.7%
0 pointsfull points
Cycle position
Taken out: its 12% is shared by the others
n/ano data
Margins have been too thin to measure a cycle against.
Balance sheet
8% of the score, 9% here after data gaps
59median 50
What the debt weighs against the profit that has to carry it.
Net debt to EBITDA1.3x a year of EBITDA
814.5x
0.5x
1.3x
0 pointsfull points
Interest coverOperating profit covers interest 5x
361.5x
12x
5.3x
0 pointsfull points
Earnings quality
6% of the score, 7% here after data gaps
67median 90
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was 1.33x profit over 3 years
1000.7x
1x
1.3x
1.3x
0 pointsfull points
AccrualsProfit ran ahead of cash by 3.4% of assets
348%
0%
-8%
3.4%
0 pointsfull points
How the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. For CVNA, cycle position could not be measured from the filings, so it is taken out and the remaining weights scale up.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there. Figures as of 2026-06-30, latest annual report FY2025.
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