Comprehensive Stock Comparison
Compare Carvana Co. (CVNA) vs Apple Inc. (AAPL) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | CVNA | 48.6% revenue growth vs AAPL's 6.4% |
| Value | AAPL | Lower P/E (31.1x vs 45.4x) |
| Quality / Margins | AAPL | 27.0% net margin vs CVNA's 3.4% |
| Stability / Safety | AAPL | Beta 1.28 vs CVNA's 2.41 |
| Dividends | AAPL | 0.4% yield; 14-year raise streak; CVNA pays no meaningful dividend |
| Momentum (1Y) | CVNA | +43.4% vs AAPL's +9.7% |
| Efficiency (ROA) | AAPL | 31.1% ROA vs CVNA's 6.4%, ROIC 64.5% vs 34.3% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Carvana is an online-only used car retailer that sells vehicles directly to consumers through its e-commerce platform. It makes money primarily from vehicle sales — which account for over 90% of revenue — with additional income from financing, warranty products, and vehicle service contracts. Its key advantage is a vertically integrated model that controls the entire customer experience, from acquisition to reconditioning to delivery, bypassing traditional dealership infrastructure.
Apple is a technology giant that designs and sells premium consumer electronics — most famously the iPhone — along with related software and services. It generates revenue primarily from hardware sales (roughly 80% of total) and a fast-growing services segment (around 20%) that includes the App Store, subscriptions, and licensing. Its key competitive advantage is a powerful ecosystem that locks users into its hardware, software, and services through seamless integration and high switching costs.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
AAPL leads in 4 of 6 categories (Financial Metrics, Profitability & Efficiency). CVNA leads in 2 (Valuation Metrics, Total Returns).
Financial Metrics (TTM)
AAPL is the larger business by revenue, generating $435.6B annually — 23.8x CVNA's $18.3B. AAPL is the more profitable business, keeping 27.0% of every revenue dollar as net income compared to CVNA's 3.4%. On growth, CVNA holds the edge at +54.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | CVNACarvana Co. | AAPLApple Inc. |
|---|---|---|
| RevenueTrailing 12 months | $18.3B | $435.6B |
| EBITDAEarnings before interest/tax | $2.0B | $152.9B |
| Net IncomeAfter-tax profit | $629M | $117.8B |
| Free Cash FlowCash after capex | $546M | $123.3B |
| Gross MarginGross profit ÷ Revenue | +20.7% | +47.3% |
| Operating MarginEBIT ÷ Revenue | +9.5% | +32.4% |
| Net MarginNet income ÷ Revenue | +3.4% | +27.0% |
| FCF MarginFCF ÷ Revenue | +3.0% | +28.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +54.5% | +15.7% |
| EPS Growth (YoY)Latest quarter vs prior year | +60.9% | +18.3% |
Valuation Metrics
At 35.4x trailing earnings, AAPL trades at a 10% valuation discount to CVNA's 39.5x P/E. On an enterprise value basis, CVNA's 12.6x EV/EBITDA is more attractive than AAPL's 27.5x.
| Metric | CVNACarvana Co. | AAPLApple Inc. |
|---|---|---|
| Market CapShares × price | $25.4B | $3.88T |
| Enterprise ValueMkt cap + debt − cash | $23.7B | $3.97T |
| Trailing P/EPrice ÷ TTM EPS | 39.55x | 35.41x |
| Forward P/EPrice ÷ next-FY EPS est. | 45.43x | 31.15x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.98x |
| EV / EBITDAEnterprise value multiple | 12.62x | 27.45x |
| Price / SalesMarket cap ÷ Revenue | 1.25x | 9.33x |
| Price / BookPrice ÷ Book value/share | 17.83x | 53.76x |
| Price / FCFMarket cap ÷ FCF | 28.61x | 39.33x |
Profitability & Efficiency
AAPL delivers a 133.5% return on equity — every $100 of shareholder capital generates $134 in annual profit, vs $21 for CVNA. CVNA carries lower financial leverage with a 0.15x debt-to-equity ratio, signaling a more conservative balance sheet compared to AAPL's 1.67x. On the Piotroski fundamental quality scale (0–9), AAPL scores 7/9 vs CVNA's 6/9, reflecting strong financial health.
| Metric | CVNACarvana Co. | AAPLApple Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +21.3% | +133.5% |
| ROA (TTM)Return on assets | +6.4% | +31.1% |
| ROICReturn on invested capital | +34.3% | +64.5% |
| ROCEReturn on capital employed | +20.0% | +69.6% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.15x | 1.67x |
| Net DebtTotal debt minus cash | -$1.7B | $89.7B |
| Cash & Equiv.Liquid assets | $2.3B | $33.5B |
| Total DebtShort + long-term debt | $633M | $123.3B |
| Interest CoverageEBIT ÷ Interest expense | 2.98x | — |
Total Returns (with DRIP)
A $10,000 investment in AAPL five years ago would be worth $21,049 today (with dividends reinvested), compared to $10,713 for CVNA. Over the past 12 months, CVNA leads with a +43.4% total return vs AAPL's +9.7%. The 3-year compound annual growth rate (CAGR) favors CVNA at 2.3% vs AAPL's 21.9% — a key indicator of consistent wealth creation.
| Metric | CVNACarvana Co. | AAPLApple Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -16.5% | -2.4% |
| 1-Year ReturnPast 12 months | +43.4% | +9.7% |
| 3-Year ReturnCumulative with dividends | +3447.3% | +81.2% |
| 5-Year ReturnCumulative with dividends | +7.1% | +110.5% |
| 10-Year ReturnCumulative with dividends | +2910.5% | +1027.4% |
| CAGR (3Y)Annualised 3-year return | +2.3% | +21.9% |
Risk & Volatility
AAPL is the less volatile stock with a 1.28 beta — it tends to amplify market swings less than CVNA's 2.41 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. AAPL currently trades 91.5% from its 52-week high vs CVNA's 68.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CVNACarvana Co. | AAPLApple Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.41x | 1.28x |
| 52-Week HighHighest price in past year | $486.89 | $288.61 |
| 52-Week LowLowest price in past year | $148.25 | $169.21 |
| % of 52W HighCurrent price vs 52-week peak | +68.6% | +91.5% |
| RSI (14)Momentum oscillator 0–100 | 42.8 | 57.5 |
| Avg Volume (50D)Average daily shares traded | 3.4M | 40.9M |
Analyst Outlook
Wall Street rates CVNA as "Buy" and AAPL as "Buy". Consensus price targets imply 39.3% upside for CVNA (target: $465) vs 14.7% for AAPL (target: $303). AAPL is the only dividend payer here at 0.39% yield — a key consideration for income-focused portfolios.
| Metric | CVNACarvana Co. | AAPLApple Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $465.33 | $303.11 |
| # AnalystsCovering analysts | 44 | 109 |
| Dividend YieldAnnual dividend ÷ price | — | +0.4% |
| Dividend StreakConsecutive years of raises | 0 | 14 |
| Dividend / ShareAnnual DPS | — | $1.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +2.3% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Carvana Co. (CVNA) | 100 | 495.25 | +395.3% |
| Apple Inc. (AAPL) | 100 | 361.46 | +261.5% |
Apple Inc. (AAPL) returned +110% over 5 years vs Carvana Co. (CVNA)'s +7%. A $10,000 investment in AAPL 5 years ago would be worth $21,049 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Carvana Co. (CVNA) | $365M | $20.3B | +5465.4% |
| Apple Inc. (AAPL) | $215.6B | $416.2B | +93.0% |
Carvana Co.'s revenue grew from $365M (2016) to $20.3B (2025) — a 56.3% CAGR. Apple Inc.'s revenue grew from $215.6B (2016) to $416.2B (2025) — a 7.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Carvana Co. (CVNA) | -2.8% | 6.9% | +349.1% |
| Apple Inc. (AAPL) | 21.2% | 26.9% | +27.0% |
Carvana Co.'s net margin went from -3% (2016) to 7% (2025). Apple Inc.'s net margin went from 21% (2016) to 27% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Carvana Co. (CVNA) | 70.6 | 49.9 | -29.3% |
| Apple Inc. (AAPL) | 18.4 | 36.4 | +97.8% |
Carvana Co. has traded in a 50x–128x P/E range over 3 years; current trailing P/E is ~40x. Apple Inc. has traded in a 13x–41x P/E range over 9 years; current trailing P/E is ~35x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Carvana Co. (CVNA) | -0.68 | 8.45 | +1342.6% |
| Apple Inc. (AAPL) | 2.08 | 7.46 | +258.7% |
Carvana Co.'s EPS grew from $-0.68 (2016) to $8.45 (2025). Apple Inc.'s EPS grew from $2.08 (2016) to $7.46 (2025) — a 15% CAGR.
Chart 6Free Cash Flow — 5 Years
Carvana Co. generated $889M FCF in 2025 (+128% vs 2021). Apple Inc. generated $99B FCF in 2025 (+6% vs 2021).
CVNA vs AAPL: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is CVNA or AAPL a better buy right now?
Apple Inc. (AAPL) offers the better valuation at 35.4x trailing P/E (31.1x forward), making it the more compelling value choice. Analysts rate Carvana Co. (CVNA) a "Buy" — based on 44 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CVNA or AAPL?
On trailing P/E, Apple Inc. (AAPL) is the cheapest at 35.4x versus Carvana Co. at 39.5x. On forward P/E, Apple Inc. is actually cheaper at 31.1x.
03Which is the better long-term investment — CVNA or AAPL?
Over the past 5 years, Apple Inc. (AAPL) delivered a total return of +110.5%, compared to +7.1% for Carvana Co. (CVNA). A $10,000 investment in AAPL five years ago would be worth approximately $21K today (assuming dividends reinvested). Over 10 years, the gap is even starker: CVNA returned +29.1% versus AAPL's +1027%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CVNA or AAPL?
By beta (market sensitivity over 5 years), Apple Inc. (AAPL) is the lower-risk stock at 1.28β versus Carvana Co.'s 2.41β — meaning CVNA is approximately 88% more volatile than AAPL relative to the S&P 500. On balance sheet safety, Carvana Co. (CVNA) carries a lower debt/equity ratio of 15% versus 167% for Apple Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — CVNA or AAPL?
Apple Inc. (AAPL) is the more profitable company, earning 26.9% net margin versus 6.9% for Carvana Co. — meaning it keeps 26.9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: AAPL leads at 32.0% versus 9.3% for CVNA. At the gross margin level — before operating expenses — AAPL leads at 46.9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is CVNA or AAPL more undervalued right now?
On forward earnings alone, Apple Inc. (AAPL) trades at 31.1x forward P/E versus 45.4x for Carvana Co. — 14.3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CVNA: 39.3% to $465.33.
07Which pays a better dividend — CVNA or AAPL?
In this comparison, AAPL (0.4% yield) pays a dividend. CVNA does not pay a meaningful dividend and should not be held primarily for income.
08Is CVNA or AAPL better for a retirement portfolio?
For long-horizon retirement investors, Apple Inc. (AAPL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.28), +1027% 10Y return). Carvana Co. (CVNA) carries a higher beta of 2.41 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (AAPL: +1027%, CVNA: +29.1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between CVNA and AAPL?
These companies operate in different sectors (CVNA (Consumer Cyclical) and AAPL (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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