Is CRMT or CVNA more undervalued in 2026?

CirclFi compares America's Car-Mart, Inc. (CRMT) and Carvana Co. (CVNA) using 13 institutional-grade valuation models. CRMT has a Quality of Company score of 6.3/10 while CVNA scores 8.7/10.

Which is a better buy — CRMT or CVNA?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CRMT and CVNA valuations compare?

CRMT at $12.84 and CVNA at $73.49 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CRMT vs CVNA Valuation Comparison 2026 — Intrinsic Value Analysis

CRMT

Auto & Truck Dealerships

America's Car-Mart, Inc.

Quality

6.3

out of 10

Value Trap

LOW

Price

$12.84

Last close

Models

8/13

Active

CVNA

Auto & Truck Dealerships

Carvana Co.

Quality

8.7

out of 10

Value Trap

SAFE

Price

$73.49

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	CRMT Fair Value	CRMT Upside	CVNA Fair Value	CVNA Upside
Bayesian DCF	Intrinsic	$61.65	+419.0%	$7.42	-89.9%
Earnings Power Value	Intrinsic	$63.10	+396.5%	$12.65	-82.8%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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CRMT vs CVNA — Which Stock Is More Undervalued?

CVNA scores higher with a 8.7/10 quality rating vs CRMT's 6.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing America's Car-Mart, Inc. (CRMT) and Carvana Co. (CVNA) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CRMT currently trades at $12.84 with a QOC of 6.3/10, while CVNA trades at $73.49 with a QOC of 8.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).