Carvana Co.
Carvana Co. is classed by the SEC under Retail-Auto Dealers & Gasoline Stations (industry code 5500), based in Tempe, AZ. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $20 billion and a profit of $1.4 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a retail business: prior from its industry code (SEC 5500, Retail-Auto Dealers & Gasoline Stations); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.2 out of ten, 9 of 9 metrics filed: past 5.6 out of ten, present 6.6 out of ten, future 5.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.9 out of ten. No warning events in its filings since 2017. 79th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 5.5 out of ten. +48.5% a year over 9 filed years; profitable in 3 of 9. 55th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 1.4 out of ten. Share count grew 30.5% a year. 0% of cash flow returned. Insiders: 465 sales, 5 purchases. 14th percentile among 14 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 4.8 out of ten. ROE 41%: 41¢ of profit per shareholder dollar. Leverage 74%: owes 74¢ per asset dollar. 48th percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 8.3 out of ten. top 17% of 21 in its family; net margin 6.9%. 83rd percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 7.7 out of ten. top 23% of 18 in its family for leadership; chief executive since 2017. 77th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 6.3 out of ten. top 37% of 20 in its family for room to expand. 63rd percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.3 out of ten. bottom 33% of 21 in its family for growth drivers. 33rd percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 9.3 out of ten. top 7% of 21 in its family for expectations against reality. 93rd percentile among 21 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-18 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-29 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-29 (on EDGAR). Newest filing: Form 4, 2026-10-05. Filings on record since 2016. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Used Vehicle Sales 72%, Wholesale Sales and Revenues 20%, Product and Service Other 9%. As tagged in its annual report (Form 10-K, filed 2026-02-18).
Who runs it
Garcia, Ernest C. III (Chief Executive Officer); Palmer, Stephen R (Vice President of Accounting); Taira, Thomas (President, Special Projects); Jenkins, Mark W. (Chief Financial Officer); Huston, Benjamin E. (Chief Operating Officer); Gill, Daniel J. (Chief Product Officer); Keeton, Ryan S. (Chief Brand Officer); Breaux, Paul W. (See Remarks); Maroone, Michael E (director); Platt, Ira J. (director); and 3 more. 13 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-05.
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