CarMax Inc (KMX) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, KMX scores 57 out of 100, a letter grade of D+, with the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 11/20 (ROIC 1.7%; FCF yield 15.59%), Whale 13F Flow at 14/20 (institutional accumulation and options positioning), Insider Conviction at 12/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 10/20 (Beta 1.16; sector sensitivity), and Forensic Balance Sheet at 10/20 (Altman Z 1.62; Piotroski F 5/9; Debt/Equity 1.35). Taken together, the rating frames a company where the strongest pillar, institutional flow, is only moderately supportive and where the weakest pillars concern the durability of returns and balance-sheet strength. For a prospective investor, the upside case rests mainly on the FCF yield of 15.59% being a sign that cash generation is stronger than accounting profit suggests, while the valuation tradeoff is that the stock trades at a P/E (TTM) of 32.3 and EV/EBITDA of 21 against a 1.7% ROIC. The rating therefore reads as a caution on price relative to demonstrated returns rather than a judgment on the business's survival, and the Altman Z of 1.62 and Debt/Equity of 1.35 are the forensic items an investor would need to weigh before any position decision.

CarMax Inc (KMX) is a NYSE-listed issuer in the Consumer Discretionary sector, within the Retail-Auto Dealers and Gas Stations industry. Per the company profile, it operates as a retailer in this industry. Per the market data, its gross margin is 10.8%, operating margin 1.2%, and net margin 1%. The source data does not specify the customer base or the detailed revenue mix beyond these categories.

Per the SEC financials, revenue declined from $26536.0M in FY 2023 to $25881.1M in FY 2025, while net income fell from $479.0M to $247.0M over the same span. Free cash flow was $1242.9M in FY 2025 after $156.5M in FY 2024 and $-735.5M in FY 2023. Per the Roarable RQD rating, ROIC is 1.7%, the Altman Z-Score is 1.62, and the Piotroski F-Score is 5 of 9, with Debt/Equity of 1.35. Reported debt stood at $8774.0M in FY 2025 against cash of $204.9M.

The recent news feed contains six Yahoo! Finance, Motley Fool, and Yahoo Finance items, all tagged "MARKET WIRE" with a YELLOW light. Headlines include "CarMax (KMX) Stock Looks Expensive Even After Stronger Earnings," "CarMax Down 5.8% Since Q2 Earnings: Buy, Sell or Hold KMX?," "CarMax (KMX) Earnings Show Turnaround Progress, But Margin Pressure Remains," and "CarMax (KMX) Stock Trades Up, Here Is Why." The item summaries are generic and do not contain specific figures. The recurring themes across headlines are valuation concerns, earnings improvement, and margin pressure. The Butterfly supply-chain graph reports no proprietary signals.

Per the Butterfly Supply-Chain Graph, the supply chain is recorded as "NONE," with no butterfly links and no proprietary signals. Upstream and downstream dependency mapping is therefore not available in source data. Sector placement (Consumer Discretionary; Retail-Auto Dealers and Gas Stations) is the only contextual link provided.

• What drove the decline in operating income from $591.2M in FY 2024 to $291.5M in FY 2025, and how much of that reflects margin pressure versus volume?
• What is the composition of the reported FCF swing from $-735.5M in FY 2023 to $1242.9M in FY 2025, and is it recurring?
• Do the reported EPS figures and the FY 2023 cash balance exist in the filings, given they are recorded as N/A or missing?
• What institutional and insider positioning exists behind the Whale 13F and Insider Conviction pillar scores?
• How does the reported debt of $8774.0M compare with the lease and financing obligations in the full filings, which the source data does not break out?