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ACV Auctions Inc (ACVA) Fair Value & Analysis

Consumer Cyclical · US · Market cap $1.1B

AA ACV Auctions Inc logo ACV Auctions Inc ACVA · US
Price$7.46
Fair Value$5.61
Upside-24.8%
Quality57/100
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Mixed Growth
Loss-making · -8.0% net margin
Low debt · generates free cash flow
Trails peers (2/11)
Narrow moat 20/100
Evidence: Medium Range $4.07 – $7.16 Share as image

Fair value as of: Jul 14, 2026

From 9 valuation models · updated 27 days ago

Fair value updated Jul 14, 2026, revised from $7.24 to $5.61 (−22.5%) since Jun 24, 2026. Share price +6.7% over the past month.

A solid business, but screening 25% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case ($7.16). The favourable scenario is already priced in.
  • Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder.
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Price vs Fair Value (5 years)

$34.19 $4.15 Fair Value $5.61 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 14, 2026.

How to read this chart

60‑month range $4.15 – $34.19 · fair‑value band $4.07 – $7.16 · the $7.46 price screens above the $5.61 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.

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Analysis

ACV Auctions Inc (ACVA) currently trades at $7.46, while our model-based Fair Value estimate is $5.61, implying the stock looks roughly 24.8% overvalued today. The Quality Score stands at 57/100 (solid quality), in the Consumer Cyclical sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, ACV Auctions Inc generated revenue of $781M at a net margin of -8.0%. Revenue grew 11.8% year over year. It earns a return on equity of -14.3%. The balance sheet holds a net cash position of $81.5M. Fundamentals as of Jul 14, 2026

Our scenario range runs from $4.07 (bear case) to $7.16 (bull case); at $7.46, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 56% below its 52-week high and 84% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -14% fair-value upside, at -25%, ACVA screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Growth DCF $5.52 $9.19 $14.97 80
Rev-Margin DCF $5.16 $8.95 $16.58 74
Gordon GGM $0.2400 $0.4400 $0.6000 70
All 9 models by family
DCF Models
FCF DCF $5.86 $8.34 $15.74 38
5Y Revenue Exit $4.86 $7.88 $14.19 39
10Y Revenue Exit $5.08 $10.06 $13.07 36
Dividend Discount
Gordon GGM $0.2400 $0.4400 $0.6000 70
DDM Multi-Stage $0.2400 $0.4000 $0.4700 61
Multiples
EV/Revenue $4.07 $5.61 $7.16 43
Asset-Based
NCAV (Graham) $1.23 $1.65 $2.46 50
Growth DCF
Growth DCF $5.52 $9.19 $14.97 80
Rev-Margin DCF $5.16 $8.95 $16.58 74

Widest divergence: Growth DCF ($8.95) versus Dividend Discount ($0.4000). Highest evidence: Growth DCF (80).

Key figures & financial health

Revenue (TTM) $781M
Revenue growth (YoY) +11.8%
Net margin -8.0%
Return on equity -14.3%
Free cash flow $69.1M FY2025
Operating margin -4.5%
More key figures
EPS (TTM) $-0.3600
Net cash $81.5M FY2025

Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 57/100

Of which business quality 56 · Market factors (momentum, volatility) 23

Profitability 25
Margins and returns on capital today
Quality Growth 76
Are margins and returns improving?
Cashflow 60
Earnings quality: real cash, not paper profit
Fin. Strength 54
Balance sheet, leverage, solvency risk
Investment 90
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 44
Price trend over the last 3–12 months (market factor)
52W Momentum 13
Distance to the 52-week high (market factor)
Net Issuance 50
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

ACV Auctions Inc. provides a wholesale auction marketplace to facilitate business-to-business used vehicle sales between a selling and buying dealership.

Full company description

ACV Auctions Inc. provides a wholesale auction marketplace to facilitate business-to-business used vehicle sales between a selling and buying dealership. The company offers marketplace platform includes digital marketplace that connects buyers and sellers by providing auctions, which facilitates real-time transactions of wholesale vehicles; Run List for pre-filtering and pre-screening of vehicles up to 24 hours prior to an auction taking place; ACV transportation service to enable the buyers to see real-time transportation quotes; ACV capital, a short-term inventory financing services for buyers to purchase vehicles; and Go Green customer assurance services for claims against defects in the vehicle. It also provides remarketing centers, which offers value-added services, such as vehicle reconditioning and storage to facilitate auction business with commercial partners, such as fleet, rental car, and financial sector consignors. In addition, the company offers data services, including True360 report, which provides cosmetic and structural vehicle assessments integrated into vehicle history reports for dealer to make wholesale and retail transaction decisions on and off the marketplace; ACV market report provides transaction data and condition reports for comparable used vehicles, including pricing data from third-party sources and allows dealers to determine pricing and valuation strategies for used vehicles; and ACV MAX inventory management software that enables dealers to manage their inventory and set pricing while turning vehicles. Further, it provides data and technology through inspection, such as condition reports, virtual lift solutions, Apex device, and vehicle intelligence platform; and marketplace enablement, comprising MyACV application, private marketplaces, operations automation, live appraisals, and programmatic buying service. ACV Auctions Inc. was incorporated in 2014 and is headquartered in Buffalo, New York.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

ACV Auctions Inc reported revenue of $760M in FY2025 versus $358M in FY2021, a compound +20.7%/yr. Reported net income was −$66.1M in FY2025.

Growth Quality 67/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
$760M
Latest YoY
+19.2%
Avg. growth/yr (3Y)
+21.7%
Avg. growth/yr (5Y)
+29.5%
Avg. growth/yr (7Y)
+54.9%
Revenue +20.7%/yr
FY21 $358M
FY22 $422M
FY23 $481M
FY24 $637M
FY25 $760M
Net income
FY21 −$78.2M
FY22 −$102M
FY23 −$75.3M
FY24 −$79.7M
FY25 −$66.1M

ACVA screens 25% overvalued. Compare with Carvana Co →

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Cite: Fair Value Calculator (2026). "ACV Auctions Inc Fair Value". https://www.fairvalue-calculator.com/stock/ACVA

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Peer Group

Auto & Truck Dealerships · 102 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 57 · Above median
Fair Value upside −25% · Below median
Return on assets -2% · Bottom 25%
Net margin (TTM) -8% · Bottom 25%
Operating margin (TTM) -5% · Bottom 25%
Revenue growth 12% · Above median
Debt / equity 0.44× · Higher than median

Valuation Multiples vs Auto & Truck Dealerships median · lower = cheaper

P/B 2.56× · Pricier than median
P/S (TTM) 1.41× · Pricier than 75% of peers
P/FCF 15.9× · Pricier than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0 · sector 21
FUTURE 59 · sector 9
PAST 0 · sector 20
HEALTH 78 · sector 89
DIVIDEND 0 · sector 49

VALUE 0: the price sits above our fair-value range.

Insider activity: 66/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Auto & Truck Dealerships stocks, each showing price versus our Fair Value estimate (as of Jul 14, 2026).

Stock Price Fair Value vs Fair Value
Carvana Co CVNA $70.38 $24.58 -65%
Penske Automotive Group PAG $202.66 $241.86 +19%
Hotai Motor Co 2207 476.50 TWD 576.75 TWD +21%
CarMax, Inc KMX $58.47 $29.62 -49%
Lithia Motors, Inc LAD $339.16 $610.95 +80%
AutoNation, Inc AN $205.72 $329.77 +60%
Rush Enterprises, Inc RUSHA $76.89 $66.27 -14%
Valvoline Inc VVV $38.64 $24.57 -36%
OPENLANE, Inc OPLN $39.46 $33.81 -14%
Eagers Automotive Limited APE A$20.83 A$17.66 -15%

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Frequently asked questions

Is ACV Auctions Inc (ACVA) overvalued or undervalued?
As of Jul 14, 2026, our model estimates a fair value of $5.61 versus a price of $7.46, about −25% (overvalued).
What is the fair value of ACVA?
Our model-based fair value for ACV Auctions Inc is $5.61 (as of Jul 14, 2026), built from audited fundamentals. The current price is $7.46.
What is the quality score of ACVA?
ACV Auctions Inc has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of ACV Auctions Inc (ACVA)?
ACV Auctions Inc reported trailing-twelve-month revenue of about $781M (latest available figure, as of Jul 14, 2026).
What is the net profit margin of ACVA?
The net profit margin of ACV Auctions Inc is about -8.0%, meaning it is currently running at a net loss. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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