Carvana (CVNA) Stock Analysis

October 14, 2026

This is a peer-relative look at Carvana (CVNA): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Consumer Discretionary Distribution & Retail peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Carvana (CVNA)
Profile Item	CVNA
Name	Carvana Co. Class A Common Stock
Country/Region	United States
GICS Sector	Consumer Discretionary
GICS Industry Group	Consumer Discretionary Distribution & Retail
GICS Industry	Specialty Retail
GICS Sub-Industry	Automotive Retail
Market Capitalization	65.96 billion USD
Currency	USD
Exchange	NYSE
Listing Date	April 28, 2017
Security Type	Common Stock

Price Performance

Cumulative Growth

CVNA

GSPC

Carvana (CVNA) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Carvana (CVNA) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Carvana (CVNA) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Carvana (CVNA) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: CVNA	Industry group median
Total Return (1Y)	-12.94%	-4.67%
Total Return (3Y, Annualized)	105.63%	7.73%
Total Return (5Y, Annualized)	0.83%	-2.17%

Risk Profile

Drawdown History

CVNA

GSPC

Carvana (CVNA) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Carvana (CVNA) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Carvana (CVNA) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: CVNA	Industry group median
Volatility (1Y, Annualized)	61.80%	46.72%
Beta (5Y)	3.66	1.13
Max Drawdown (5Y)	-98.77%	-68.65%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. CVNA is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Carvana (CVNA) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: CVNA	Industry group median
Sharpe Ratio (1Y)	-0.28	-0.15
Sortino Ratio (1Y)	-0.39	-0.22

Profitability

ROE (TTM)

Carvana (CVNA) posts ROE of 58.77%, in the upper peer quartile. That suggests the company earns more from each dollar of shareholders’ equity than most industry peers, a useful capital-efficiency signal.

CVNA

Consumer Discretionary Distribution & Retail industry group

58.77%

Group distribution

Max: 62.17%
CVNA: 58.77%
Q3: 32.42%
Median: 15.81%
Q1: 6.44%
Min: -20.00%

Largest peers

HD: 104.30%
TJX: 62.17%
CVNA: 58.77%
AMZN: 30.56%
PDD: 22.75%
BABA: 6.36%
LOW: --

Where Carvana (CVNA) stands on ROE within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Carvana (CVNA) keeps 6.26% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

CVNA

Consumer Discretionary Distribution & Retail industry group

6.26%

Group distribution

Max: 18.57%
Q3: 8.71%
CVNA: 6.26%
Median: 4.29%
Q1: 1.17%
Min: -9.41%

Largest peers

PDD: 20.43%
AMZN: 17.44%
TJX: 9.73%
HD: 8.41%
LOW: 7.35%
BABA: 7.04%
CVNA: 6.26%

Where Carvana (CVNA) stands on net margin within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Carvana (CVNA) turns 9.22% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

CVNA

Consumer Discretionary Distribution & Retail industry group

9.22%

Group distribution

Max: 24.71%
Q3: 11.60%
CVNA: 9.22%
Median: 6.20%
Q1: 2.73%
Min: -6.74%

Largest peers

PDD: 24.71%
AMZN: 13.69%
LOW: 13.37%
HD: 12.86%
TJX: 10.91%
CVNA: 9.22%
BABA: 7.30%

Where Carvana (CVNA) stands on operating margin within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Carvana (CVNA) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: CVNA	Industry group median
ROE (TTM)	58.77%	15.81%
ROA (TTM)	11.70%	5.34%
Net Margin (TTM)	6.26%	4.29%
Operating Margin (TTM)	9.22%	6.20%
Gross Margin (TTM)	19.37%	39.05%

Growth

Revenue Growth

Carvana (CVNA) grew revenue 48.63%, above the industry benchmark range. Demand is expanding faster than at any typical peer, though growth that far ahead of the group is worth checking for acquisitions or other one-off contributions.

Carvana (CVNA): Revenue Growth across different time periods, set against Consumer Discretionary Distribution & Retail industry-group medians.

EPS Growth

Carvana (CVNA) grew earnings per share 431.45%, above the industry benchmark range. Profits are compounding faster than at any typical peer, though a depressed base year can inflate the percentage, so the level of earnings matters alongside the rate.

Carvana (CVNA): EPS Growth across different time periods, set against Consumer Discretionary Distribution & Retail industry-group medians.

Growth Metrics

Carvana (CVNA) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: CVNA	Industry group median
Revenue Growth (YoY)	48.63%	5.41%
Revenue Growth (3Y CAGR)	14.31%	3.41%
EPS Growth (YoY)	431.45%	0.00%
EPS Growth (3Y CAGR)	--	-4.10%

Financial Strength

Current Ratio (MRQ)

Carvana (CVNA) has current ratio of 3.93, above the industry’s typical middle range. Liquidity looks ample versus peers, though an unusually high cushion can also mean idle current assets or inefficient working capital.

CVNA

Consumer Discretionary Distribution & Retail industry group

3.93

Group distribution

CVNA: 3.93
Max: 2.67
Q3: 1.80
Median: 1.36
Q1: 1.02
Min: 0.49

Largest peers

CVNA: 3.93
PDD: 2.62
BABA: 1.36
TJX: 1.15
LOW: 1.11
HD: 1.08
AMZN: 1.03

Where Carvana (CVNA) stands on current ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Debt / Equity (MRQ)

Carvana (CVNA) has debt-to-equity ratio of 1.11, roughly in line with the peer group’s normal leverage range. Its mix of debt and equity looks typical for the industry.

CVNA

Consumer Discretionary Distribution & Retail industry group

1.11

Group distribution

Max: 3.53
Q3: 1.84
CVNA: 1.11
Median: 1.11
Q1: 0.70
Min: 0.01

Largest peers

HD: 3.80
TJX: 1.34
CVNA: 1.11
AMZN: 0.46
BABA: 0.24
PDD: 0.01
LOW: --

Where Carvana (CVNA) stands on debt-to-equity ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Financial Strength Metrics

Carvana (CVNA) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: CVNA	Industry group median
Current Ratio (MRQ)	3.93	1.36
Debt / Equity (MRQ)	1.11	1.11
Net Debt / EBITDA	1.02	2.55

Dividends

Dividend Yield (TTM)

Carvana (CVNA) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

CVNA

Consumer Discretionary Distribution & Retail industry group

0.00%

Group distribution

Max: 6.50%
Q3: 2.72%
CVNA: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

BABA: 6.50%
LOW: 2.61%
HD: 1.59%
TJX: 1.30%
CVNA: 0.00%
AMZN: 0.00%
PDD: 0.00%

Where Carvana (CVNA) stands on dividend yield within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Carvana (CVNA) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

CVNA

Consumer Discretionary Distribution & Retail industry group

0.00%

Group distribution

Max: 72.73%
Q3: 29.75%
CVNA: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

HD: 64.80%
LOW: 41.00%
TJX: 32.50%
BABA: 25.44%
CVNA: 0.00%
AMZN: 0.00%
PDD: 0.00%

Where Carvana (CVNA) stands on payout ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Carvana (CVNA) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: CVNA	Industry group median
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

P/E Ratio (TTM)

Carvana (CVNA) trades at P/E ratio of 31.49, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

CVNA

Consumer Discretionary Distribution & Retail industry group

31.49

Group distribution

Max: 37.23
CVNA: 31.49
Q3: 24.09
Median: 17.91
Q1: 12.28
Min: 0.91

Largest peers

CVNA: 31.49
BABA: 26.82
TJX: 26.28
AMZN: 20.88
HD: 20.32
LOW: 15.69
PDD: 9.10

Where Carvana (CVNA) stands on P/E ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Carvana (CVNA) trades at 2.63 on P/S ratio, in the higher sales-valuation quartile. Investors are paying up for each dollar of revenue, so stronger margins, growth, or revenue quality need to carry that price.

CVNA

Consumer Discretionary Distribution & Retail industry group

2.63

Group distribution

Max: 3.87
CVNA: 2.63
Q3: 1.71
Median: 0.66
Q1: 0.27
Min: 0.03

Largest peers

AMZN: 3.61
CVNA: 2.63
TJX: 2.50
HD: 1.71
LOW: 1.15
BABA: 0.26
PDD: 0.26

Where Carvana (CVNA) stands on P/S ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Carvana (CVNA) trades at 10.62 on P/B ratio, above the industry benchmark range. Investors are putting an unusually rich price on each dollar of book equity relative to peers.

CVNA

Consumer Discretionary Distribution & Retail industry group

10.62

Group distribution

CVNA: 10.62
Max: 9.23
Q3: 4.75
Median: 1.95
Q1: 1.03
Min: -3.33

Largest peers

HD: 17.45
TJX: 14.67
CVNA: 10.62
AMZN: 5.07
PDD: 1.70
BABA: 1.65
LOW: -14.00

Where Carvana (CVNA) stands on P/B ratio within its Consumer Discretionary Distribution & Retail peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Carvana (CVNA) metric values compared with Consumer Discretionary Distribution & Retail industry-group medians
Metric	Current stock: CVNA	Industry group median
P/E Ratio (TTM)	31.49	17.91
P/S Ratio (TTM)	2.63	0.66
P/B Ratio (MRQ)	10.62	1.95
Free Cash Flow Yield (TTM)	0.64%	3.78%