Carma Limited (CMA) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Carma Limited A$0.51, price A$0.76, upside -32.5%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Carma Limited operates a digital platform for buying and selling used cars in Australia. The company sells various types of used cars, such as SUVs, utes, hatchbacks, sedans, people movers, coupes, and convertibles.
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Carma Limited operates a digital platform for buying and selling used cars in Australia. The company sells various types of used cars, such as SUVs, utes, hatchbacks, sedans, people movers, coupes, and convertibles. It also provides direct-from-consumer sourcing, inspection and inhouse reconditioning, AI-powered pricing, online retail, dealer-only wholesale auctions, financing and delivery services. Carma Limited was incorporated in 2021 and is based in Strawberry Hills, Australia.
Stock analysis
Carma Limited (CMA) currently trades at A$0.7550, while our model-based Fair Value estimate is A$0.5100, implying the stock looks roughly 48.0% overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 87/100, which puts the evidence level at low.
Scenario range: A$0.3400 (bear) to A$0.6400 (bull), the price of A$0.7550 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Carma Limited reported revenue of A$71.4M in FY2025 versus A$48.0M in FY2023, a compound +22.0%/yr. Reported net income was −A$35.9M in FY2025.
Key figures
Market cap A$129M (≈ $90.6M) · P/S ratio 1.53 · EPS (TTM) A$−0.2600 · Net margin −50.2% · Return on assets (EBIT) −51.4% · Operating margin −33.5% · Revenue (TTM) A$84.3M · Revenue growth (YoY) +33.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
For context, the median of 10 Consumer Cyclical peers we cover trades at 10% fair-value upside, at −32%, CMA screens richer than that median.
Fair Value models
Bear A$0.3400Fair Value A$0.5100Bull A$0.6400
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.19/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 3 usable fiscal years, at least 4 required
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Auto & Truck Dealerships · 106 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score51 · Above median
Fair Value upside−33% · Bottom 25%
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)−60% · Bottom 25%
Operating margin (TTM)−33% · Bottom 25%
Growth and dividend
Revenue growth34% · Top 25%
Valuation Multiplesvs Auto & Truck Dealerships median · lower = cheaper
P/B1.04× · Cheaper than median
P/S (TTM)1.08× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 38
FUTURE (revenue growth)100· sector 8
PAST (return on equity)0· sector 20
HEALTH (low debt)0· sector 90
DIVIDEND (yield)0· sector 78
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Carma Limited Fair Value". https://www.fairvalue-calculator.com/stock/CMA
Frequently asked questions
Is Carma Limited (CMA) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of A$0.5100 versus a price of A$0.7550, about −32% upside (overvalued).
What is the fair value of CMA?
Our model-based fair value for Carma Limited is A$0.5100 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$0.7550.
What is the quality score of CMA?
Carma Limited has a Quality Score of 50/100. 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 price target for Carma Limited (CMA)?
Our model-based price target is the fair value of A$0.5100 (as of Sep 23, 2026) from 1 valuation models. Cautious scenario A$0.3400, optimistic scenario A$0.6400. It is a calculation from audited fundamentals, not an analyst target.
What is the Carma Limited stock forecast for 2026?
Our models put fair value at A$0.5100, about −32% upside versus a price of A$0.7550 (overvalued). Cautious scenario A$0.3400, optimistic scenario A$0.6400. The calculation is refreshed regularly with new filings.
What is the revenue of Carma Limited (CMA)?
Carma Limited reported trailing-twelve-month revenue of about A$84.3M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Carma Limited (CMA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Carma Limited it is A$0.5100 per share (as of Sep 23, 2026), against a price of A$0.7550. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Carma Limited stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CMA trades above its calculated fair value: price A$0.7550, fair value A$0.5100, a gap of about −32% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CMA?
No. The price is what the market pays today (A$0.7550); the fair value is what the company's own numbers justify (A$0.5100). For Carma Limited the two are A$0.2450 per share apart. That gap is exactly why we show both numbers side by side.
How much is Carma Limited worth?
The market values Carma Limited at about A$129M (market capitalisation, as of Sep 23, 2026). Per share that is A$0.7550; our models calculate a fair value of A$0.5100 per share.
What do the bullish and bearish scenarios say about CMA?
Our models span a range for Carma Limited: cautious scenario A$0.3400, base A$0.5100, optimistic A$0.6400 per share (as of Sep 23, 2026, price A$0.7550). The range comes from different growth and margin assumptions, not from analyst opinions.
Which stocks are comparable to Carma Limited?
From the same area (Consumer Cyclical) we also value Carvana Co, Penske Automotive Group, Hotai Motor Co, CarMax, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Carma Limited stock attractive at the current price?
The data as of Sep 23, 2026: price A$0.7550, calculated fair value A$0.5100 (−32%), Quality Score 50/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CMA calculated?
We run Carma Limited through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of A$0.5100, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Carma Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Carma Limited (CMA)?
The closing price on Sep 24, 2026 was A$0.7550. Our model-based fair value is A$0.5100, about −32% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Carma Limited right now?
The price sits above even our optimistic bull case (A$0.6400). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (A$0.3400 to A$0.6400) leaves room in how you read the outcome.
Key figures of Carma Limited
How large is the market capitalisation of Carma Limited (CMA)?
The market capitalisation of Carma Limited is A$129M (≈ $90.6M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Carma Limited (CMA)?
The price-to-sales ratio of Carma Limited is 1.53 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Carma Limited (CMA)?
Earnings per share at Carma Limited are A$−0.2600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Carma Limited (CMA)?
The net margin of Carma Limited is −50.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Carma Limited (CMA)?
On an EBIT basis the return on assets of Carma Limited is −51.4% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Carma Limited (CMA)?
The operating margin of Carma Limited is −33.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Carma Limited (CMA)?
Revenue at Carma Limited is growing +33.7% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Carma Limited (CMA) generate?
The free cash flow of Carma Limited is −A$21.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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