CarMax (XA4) Stock Price & Analysis
XA4 Stock Chart & Stats
- Day’s Range
- EUR 49.78 - EUR 49.78
- 52-Week Range
- EUR 26.16 - EUR 54.62
- Previous Close
- EUR 48.10
- Volume
- 0
- Average Volume (3M)
- 23
- Market Cap
- EUR 7.04B
- Enterprise Value
- EUR 26.03B
- Total Cash (Recent Filing)
- EUR 170.53M
- Total Debt (Recent Filing)
- EUR 17.87B
- Price to Earnings (P/E)
- 26.1
- Beta
- 0.39
- Next Earnings
- Dec 17, 2026 (Est.)
- EPS Estimate
- 0.38
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Strong Sales Growth
Broad-based sales growth and materially stronger comparable units indicate improving customer adoption and competitive execution. If sustained, higher volume can support fixed-cost absorption, strengthen inventory productivity, and reinforce CarMax’s national used-vehicle retail position.
Digital And AI Enhancements
Scaling AI and digital tools across customer interactions can create durable conversion and efficiency benefits rather than relying solely on store expansion. Better inventory visibility, payment clarity, and service responsiveness should support an increasingly integrated omnichannel model.
Improved Cash Generation
Recent operating and free cash flow provide meaningful internal funding for technology, customer initiatives, debt management, and selective capital returns. The improvement increases financial flexibility and supports execution of cost-saving programs while the business works through uneven profitability.
Bears Say
Thin And Inconsistent Profitability
Very thin margins leave limited room for pricing, cost, or credit deterioration before earnings are affected. Repeatedly negative EBIT periods also suggest that recent revenue recovery has not yet restored the stronger unit economics seen at the prior earnings peak.
Elevated Leverage
High leverage makes the company more sensitive to operating volatility and financing conditions, while lower returns on equity indicate weaker earnings power against the capital base. This can constrain investment choices and reduce resilience if performance softens.
CAF Earnings And Funding Pressure
Lower financing penetration and expected CAF income decline weaken an important complementary profit stream. Funding costs, customer alternatives, and the changing receivables base could keep financing earnings less predictable, limiting the benefit of vehicle-sales growth.
CarMax News
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CarMax Stock Smart Score
Company Description
CarMax
CarMax, Inc., together with its associated entities, functions as a prominent purveyor of previously owned automobiles across the United States. Its business operations are strategically structured into two principal divisions: CarMax Sales Operations and CarMax Auto Finance. Through its retail offerings, the company provides an extensive selection of pre-owned vehicles, including various domestic, imported, and luxury models, in addition to hybrid and electric options. Customers also have the opportunity to purchase extended protection plans at the time of their vehicle acquisition. Separately, CarMax sells older, higher-mileage vehicles—typically around ten years old with over 100,000 miles—via wholesale auctions. Furthermore, CarMax delivers reconditioning and repair services for its vehicles. For its retail clients, the company facilitates a range of financing alternatives designed to accommodate diverse credit profiles, managed both by its internal CarMax Auto Finance segment and through arrangements with various external financial institutions. Founded in 1993, CarMax, Inc. maintains its corporate headquarters in Richmond, Virginia.
- Sector
- Consumercyclical
- Industry
- Auto - Dealerships
- CEO
- Keith Barr
- Employees
- 27,796
- Website
- www.carmax.com
- Address
- 12800 Tuckahoe Creek Parkway, Richmond, VA, 23238, US
CarMax (XA4) Earnings & Revenues
XA4 Company Deck
XA4 Earnings Call
Earnings Call SentimentPositive
The call was strongly positive, with substantial year-over-year growth in sales, comparable units, EPS, gross profit, CAF income, EPP margins, and SG&A productivity. Management also highlighted improved pricing competitiveness, resilient consumers, AI and digital initiatives, strategy execution, and the planned resumption of share repurchases. The main negatives were lower gross profit per unit, declining CAF penetration, an expectation for slightly lower FY2027 CAF income, upcoming pension and severance charges, higher transportation costs, and affordability pressure from elevated interest rates. Highlights significantly outweighed the lowlights.
View all DE:XA4 earnings summariesXA4 Net sales Breakdown
- 79.99% Used vehicle sales
- 17.40% Wholesale vehicle sales
- 2.61% Other
XA4 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 2 | 5 |
| Technical Analysis | 3 | 2 | 4 |
| Moving Averages | 11 | 0 | 1 |