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

EPS (Earnings per Share)

EPS Growth (3y CAGR): 2.16%
EPS Trend (3y Corr): 50.6%

Last SUE: 1.68σ
Qual. Beats: 3

Revenue

Revenue Growth (3y CAGR): 11.14%
Revenue Trend (3y Corr): 89.9%

Last SUE: 1.17σ
Qual. Beats: 2

Risk via 10d forecast
Volatility	30.7%
Value at Risk 5%th	45.9%
Relative Tail Risk	-9.07%

Reward TTM
Sharpe Ratio	0.70
Alpha	12.19

Character TTM
Hurst Exponent	0.482
Beta	0.847
Beta Downside	0.824

Drawdowns 3y
Max DD	21.21%
Mean DD	6.84%
Median DD	6.12%

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	2,703m
Sub-Industry	Diversified Support Services
IPO / Inception	2009-12-11
Return 12m vs S&P 500	11.4%
Analyst Rating	3.86 of 5

KAR Dividends

Currently no dividends paid

KAR Growth Ratios

Metric	Value
CAGR 3y	23.08%
CAGR/Max DD Calmar Ratio	1.09
CAGR/Mean DD Pain Ratio	3.37
Current Volume	938.4k
Average Volume	795.4k

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 (266.6m) ratio: 6.53 <= 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 38.73% (prev 42.74%; Δ -4.01pp) >=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 -3.23 (EBITDA TTM 266.6m / Interest Expense TTM -54.3m) >= 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) 68.71

1. Piotroski 3.0pt

2. FCF Yield 5.50%

3. FCF Margin 12.65%

4. Debt/Equity 0.93

5. Debt/Ebitda 6.53

6. ROIC - WACC (= 4.01)%

7. RoE 11.05%

8. Rev. Trend 89.89%

9. EPS Trend 50.56%

What is the price of KAR shares?

As of November 21, 2025, the stock is trading at USD 24.49 with a total of 938,356 shares traded.
Over the past week, the price has changed by -3.73%, over one month by -7.48%, over three months by -12.41% and over the past year by +24.57%.

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	29.9%
Analysts Target Price	31.8	29.9%
ValueRay Target Price	25.6	4.3%

KAR Fundamental Data Overview November 15, 2025

Market Cap USD = 2.70b (2.70b USD * 1.0 USD.USD)
P/E Trailing = 29.2414
P/E Forward = 19.7628
P/S = 1.4264
P/B = 1.8979
P/EG = 1.34
Beta = 1.25
Revenue TTM = 1.93b USD
EBIT TTM = 175.2m USD
EBITDA TTM = 266.6m USD
Long Term Debt = 54.8m USD (from capitalLeaseObligations, last quarter)
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 = 4.44b USD (2.70b + Debt 1.89b - CCE 146.4m)
Interest Coverage Ratio = -3.23 (Ebit TTM 175.2m / Interest Expense TTM -54.3m)
FCF Yield = 5.50% (FCF TTM 244.4m / Enterprise Value 4.44b)
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 = 38.73% ((Revenue TTM 1.93b - Cost of Revenue TTM 1.18b) / Revenue TTM)
Gross Margin QoQ = 41.23% (prev 41.60%)
Tobins Q-Ratio = 0.92 (Enterprise Value 4.44b / Total Assets 4.82b)
Interest Expense / Debt = 1.55% (Interest Expense 29.2m / Debt 1.89b)
Taxrate = 14.62% (8.20m / 56.1m)
NOPAT = 149.6m (EBIT 175.2m * (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 = 6.53 (Net Debt 1.74b / EBITDA 266.6m)
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 = 10.97% (EBIT 175.2m / Capital Employed (Equity 1.54b + L.T.Debt 54.8m))
RoIC = 9.94% (NOPAT 149.6m / Invested Capital 1.51b)
WACC = 5.93% (E(2.70b)/V(4.59b) * Re(9.14%) + D(1.89b)/V(4.59b) * Rd(1.55%) * (1-Tc(0.15)))
Discount Rate = 9.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.32%
[DCF Debug] Terminal Value 65.65% ; FCFE base≈237.9m ; Y1≈156.2m ; Y5≈71.4m
Fair Price DCF = 11.09 (DCF Value 1.18b / 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