Is Carvana or Solution Financial more undervalued?

As of Sep 25, 2026, Carvana is at -71% to fair value and Solution Financial at -77%. Carvana is the less overvalued of the two. Model-based estimate, not financial advice.

Which has higher quality, Carvana or Solution Financial?

Carvana has a quality score of 47/100 and Solution Financial 41/100. Carvana leads on quality.

STOCK COMPARISON

Carvana vs Solution Financial: Fair Value & Quality

Both stocks run through our valuation models. Here is how Carvana (CVNA) and Solution Financial (SFI) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Carvana as the less overvalued of the two: Carvana trades at $63.95 versus a fair value of $18.57 (-71%), while Solution Financial trades at C$0.27 versus C$0.06 (-77%).

Carvana

CVNA · USD · Consumer Discretionary

-71%

upside to fair value

overvalued

Price$63.95

Fair Value$18.57

Quality47/100

Solution Financial

SFI.TO · CAD · Industrials

-77%

upside to fair value

overvalued

PriceC$0.27

Fair ValueC$0.06

Quality41/100

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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

CarvanaSolution Financial

Valuation

38.3×P/E (TTM)26.5×

37.8×P/E ex one-offs (FY2025)n/a

3.18×P/S (TTM)1.28×

20.84×P/B1.28×

31.7×EV/EBITDA14.1×

−71.0%Fair value upside−77.4%

n/aDividend yield1.5%

n/aDividend per shareC$0.00

Profitability

9%Operating margin12%

n/aEBIT margin trend (5Y)0.20×

60%Return on equity3%

11%Return on assets3%

Growth

52%Revenue growth (YoY)36%

14.3%Avg. growth/yr (3Y)n/a

29.5%Avg. growth/yr (5Y)n/a

−17.6%Value creation/yr−6.6%

Balance & size

3.7×Interest coverage (EBIT/interest)0.1×

1.40×Debt / equity0.64×

$72BMarket cap$16M

mixedGrowth qualitymixed

The P/E excluding one-off items is only shown where the special items are documented in the accounts (our own raw data or SEC filings). If one side lacks it, the reported P/E stays scored.

Valuation multiples (P/E, P/S, P/B, EV/EBITDA) are shown but not scored here: the two companies sit in different sectors, and multiples only compare fairly between similar business models. PEG stays scored, as it relates the P/E to growth.

Even match: 3 to 3 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Carvanaof which business quality 47 · market factors 21 Solution Financialof which business quality 36 · market factors 50

ProfitabilityMargins and returns on capital today

Quality GrowthAre margins and returns improving?

CashflowEarnings quality: real cash, not paper profit

Fin. StrengthBalance sheet, leverage, solvency risk

InvestmentDisciplined investing over empire-building

Low VolatilityCalm price path (market factor)

MomentumPrice trend over the last 3–12 months (market factor)

52W MomentumDistance to the 52-week high (market factor)

Net IssuanceShare count: buybacks or dilution?

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model family	CarvanaPrice $63.95	Solution FinancialPrice C$0.27
DCF Models	-54%below the price$29.25	-58%below the priceC$0.11
Earnings-Based	-31%below the price$43.91	-89%below the priceC$0.03
Dividend Discount	n/a	-85%below the priceC$0.04
Multiples	-80%below the price$13.06	-77%below the priceC$0.06
Asset-Based	-97%below the price$2.06	-62%below the priceC$0.10
Growth DCF	-56%below the price$27.93	n/a
Economic Profit	-78%below the price$13.96	-62%below the priceC$0.10
Growth Earnings	-9%close to the price$58.29	-81%below the priceC$0.05
Minimum	-97%below the price$2.06	-89%below the priceC$0.03
Maximum	-9%close to the price$58.29	-58%below the priceC$0.11
Median	-56%below the price$27.93	-77%below the priceC$0.06
Geometric mean	-71%below the price$18.65	-76%below the priceC$0.06

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Carvana: 24 of 24 models see the stock below the current price.

Solution Financial: 10 of 10 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Carvana

Price $63.95

Fair Value $18.57

Bear $10.44Bull $32.04

Solution Financial

Price C$0.27

Fair Value C$0.06

Bear C$0.04Bull C$0.07

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Carvana · Consumer Discretionary

Quality score47 · below median

Fair value upside-71% · bottom 25%

Solution Financial · Industrials

Quality score41 · bottom 25%

Fair value upside-77% · bottom 25%

Bottom line

Carvana has the higher quality score (47/100).

Open Carvana live analysis →

Carvana · Solution Financial

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.