Overview Dividends

(KAR) KAR Auction - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US48238T1097

Digital Marketplace, Vehicle Auction, Floorplan Financing

KAR EPS (Earnings per Share)

EPS Growth (3Y CAGR): 2.16%
EPS Trend (3Y Correlation): 50.6%

KAR Revenue

Revenue Growth (3Y CAGR): 11.14%
Revenue Trend (3Y Correlation): 89.9%

Risk via 10d forecast
Volatility	31.7%
Value at Risk 5%th	47.2%

Reward
Sharpe Ratio	0.75
Alpha	22.68

Character
Hurst Exponent	0.567
Beta	1.250

Drawdowns 3y
Max DD	21.21%
Mean DD	6.92%

Description: KAR KAR Auction November 09, 2025

OPENLANE, Inc. (formerly KAR Auction Services) runs a digital marketplace for used vehicles across North America and Europe, offering end-to-end services such as logistics, reconditioning, inspection, titling, and collateral recovery. The business is split into a Marketplace segment that sells these services to fleet operators, lenders, rental firms, dealers and OEMs, and a Finance segment that provides short-term floorplan financing secured by dealer inventory.

Key metrics from the most recent filings show FY 2023 revenue of roughly $1.1 billion, with the Marketplace segment contributing about 65 % and the Finance segment the remainder. The company’s floorplan loan book grew ~12 % YoY, reflecting continued dealer demand for inventory financing despite higher interest-rate environments. Used-vehicle transaction volumes in the U.S. are projected to rise 3-4 % annually through 2026, driven by longer vehicle lifespans and a shift toward online buying-a macro trend that underpins OPENLANE’s growth outlook.

Given the firm’s exposure to both the broader used-car market and dealer financing cycles, analysts should monitor dealer inventory levels, credit-quality trends in floorplan loans, and the competitive dynamics of digital vehicle marketplaces before forming a valuation thesis.

For a deeper, data-driven dive into OPENLANE’s valuation assumptions and scenario analysis, you may find the ValueRay research platform useful.

KAR Stock Overview

Market Cap in USD	2,667m
Sub-Industry	Diversified Support Services
IPO / Inception	2009-12-11
Return 12m vs S&P 500	7.96%
Analyst Rating	3.86 of 5

KAR Dividends

Currently no dividends paid

KAR Growth Ratios

CAGR	19.42%
CAGR/Max DD Calmar Ratio	0.92
CAGR/Mean DD Pain Ratio	2.80
Current Volume	983.3k
Average Volume	707k

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (170.5m TTM) > 0 and > 6% of Revenue (6% = 115.9m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA 0.14pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 22.18% (prev 11.64%; Δ 10.53pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.06 (>3.0%) and CFO 299.1m > Net Income 170.5m (YES >=105%, WARN >=100%)

Net Debt (1.74b) to EBITDA (264.2m) ratio: 6.59 <= 3.0 (WARN <= 3.5)

Current Ratio 1.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (108.3m) change vs 12m ago -0.64% (target <= -2.0% for YES)

Gross Margin 39.91% (prev 42.74%; Δ -2.83pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 40.93% (prev 37.04%; Δ 3.89pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.36 (EBITDA TTM 264.2m / Interest Expense TTM 126.9m) >= 6 (WARN >= 3)

Altman Z'' 1.63

(A) 0.09 = (Total Current Assets 3.11b - Total Current Liabilities 2.68b) / Total Assets 4.82b

(B) 0.16 = Retained Earnings (Balance) 774.7m / Total Assets 4.82b

(D) 0.26 = Book Value of Equity 730.3m / Total Liabilities 2.78b

Total Rating: 1.63 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 67.34

1. Piotroski 3.0pt = -2.0

2. FCF Yield 5.54% = 2.77

3. FCF Margin 12.65% = 3.16

4. Debt/Equity 0.93 = 2.09

5. Debt/Ebitda 6.59 = -2.50

6. ROIC - WACC (= 2.90)% = 3.63

7. RoE 11.05% = 0.92

8. Rev. Trend 89.89% = 6.74

9. EPS Trend 50.56% = 2.53

What is the price of KAR shares?

As of November 11, 2025, the stock is trading at USD 24.91 with a total of 983,300 shares traded.
Over the past week, the price has changed by -6.32%, over one month by -5.25%, over three months by -11.98% and over the past year by +24.36%.

Is KAR Auction a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, KAR Auction (NYSE:KAR) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 67.34 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of KAR is around 23.35 USD . This means that KAR is currently overvalued and has a potential downside of -6.26%.

Is KAR a buy, sell or hold?

KAR Auction has received a consensus analysts rating of 3.86. Therefore, it is recommended to buy KAR.

Strong Buy: 2
Buy: 2
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the KAR price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	31.8	27.6%
Analysts Target Price	31.8	27.6%
ValueRay Target Price	25.6	2.9%

KAR Fundamental Data Overview November 10, 2025

Market Cap USD = 2.67b (2.67b USD * 1.0 USD.USD)
P/E Trailing = 28.8506
P/E Forward = 22.3714
P/S = 1.4073
P/B = 2.15
P/EG = 1.34
Beta = 1.25
Revenue TTM = 1.93b USD
EBIT TTM = 172.8m USD
EBITDA TTM = 264.2m USD
Long Term Debt = 60.4m USD (from capitalLeaseObligations, last fiscal year)
Short Term Debt = 1.83b USD (from shortTermDebt, last quarter)
Debt = 1.89b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.74b USD (from netDebt column, last quarter)
Enterprise Value = 4.41b USD (2.67b + Debt 1.89b - CCE 146.4m)
Interest Coverage Ratio = 1.36 (Ebit TTM 172.8m / Interest Expense TTM 126.9m)
FCF Yield = 5.54% (FCF TTM 244.4m / Enterprise Value 4.41b)
FCF Margin = 12.65% (FCF TTM 244.4m / Revenue TTM 1.93b)
Net Margin = 8.82% (Net Income TTM 170.5m / Revenue TTM 1.93b)
Gross Margin = 39.91% ((Revenue TTM 1.93b - Cost of Revenue TTM 1.16b) / Revenue TTM)
Gross Margin QoQ = 45.79% (prev 41.60%)
Tobins Q-Ratio = 0.92 (Enterprise Value 4.41b / Total Assets 4.82b)
Interest Expense / Debt = 1.55% (Interest Expense 29.2m / Debt 1.89b)
Taxrate = 14.62% (8.20m / 56.1m)
NOPAT = 147.5m (EBIT 172.8m * (1 - 14.62%))
Current Ratio = 1.16 (Total Current Assets 3.11b / Total Current Liabilities 2.68b)
Debt / Equity = 0.93 (Debt 1.89b / totalStockholderEquity, last quarter 2.04b)
Debt / EBITDA = 6.59 (Net Debt 1.74b / EBITDA 264.2m)
Debt / FCF = 7.12 (Net Debt 1.74b / FCF TTM 244.4m)
Total Stockholder Equity = 1.54b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.54% (Net Income 170.5m / Total Assets 4.82b)
RoE = 11.05% (Net Income TTM 170.5m / Total Stockholder Equity 1.54b)
RoCE = 10.78% (EBIT 172.8m / Capital Employed (Equity 1.54b + L.T.Debt 60.4m))
RoIC = 9.67% (NOPAT 147.5m / Invested Capital 1.53b)
WACC = 6.77% (E(2.67b)/V(4.55b) * Re(10.62%) + D(1.89b)/V(4.55b) * Rd(1.55%) * (1-Tc(0.15)))
Discount Rate = 10.62% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.32%
[DCF Debug] Terminal Value 59.80% ; FCFE base≈237.9m ; Y1≈156.2m ; Y5≈71.4m
Fair Price DCF = 9.17 (DCF Value 974.8m / Shares Outstanding 106.3m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 50.56 | EPS CAGR: 2.16% | SUE: 1.68 | # QB: 3
Revenue Correlation: 89.89 | Revenue CAGR: 11.14% | SUE: 1.17 | # QB: 2

Additional Sources for KAR Stock

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Fund Manager Positions: Dataroma | Stockcircle