CVNAHIGH SIGNALOPPORTUNITY10-K

CVNA demonstrates exceptional operational leverage with net income surging 570% to $1.4B while revenue grew 48.6% to $20.3B, indicating the company has reached significant scale and profitability inflection.

This represents a fundamental transformation from CVNA's historically loss-making operations to substantial profitability, suggesting the business model has matured and achieved sustainable unit economics. The company's expansion of its digital auction platform and growing market presence (evidenced by cumulative revenue growth from $63.7B to $84.1B) positions it well for continued growth in the fragmented used car market.

Comparing 2026-02-18 vs 2025-02-19View on EDGAR →
FINANCIAL ANALYSIS

CVNA delivered exceptional financial performance with revenue growing 48.6% to $20.3B while achieving dramatic operational leverage as net income exploded 570% to $1.4B and operating income doubled to $1.9B. The balance sheet strengthened significantly with stockholders' equity increasing 173% to $3.4B and total assets expanding 56% to $13.2B, while inventory growth of 50% to $2.4B and higher capex of $147M signal continued investment in growth infrastructure. This comprehensive financial improvement demonstrates CVNA has successfully scaled past its growth investment phase into a highly profitable, cash-generative business model.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+570%
$210.0M$1.4B

Net income grew 570% — bottom-line growth signals improving overall business health.

Stockholders Equity
Balance Sheet
+173.1%
$1.3B$3.4B

Equity base grew 173.1% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Operating Income
P&L
+90%
$990.0M$1.9B

Operating leverage kicking in — revenue growth outpacing cost growth, a hallmark of scaling businesses.

Capital Expenditure
Cash Flow
+61.5%
$91.0M$147.0M

Capital expenditure jumped 61.5% — major investment cycle underway; assess returns on deployment.

Total Assets
Balance Sheet
+55.6%
$8.5B$13.2B

Asset base grew 55.6% — expansion through organic growth, acquisitions, or capital deployment.

Inventory
Balance Sheet
+49.8%
$1.6B$2.4B

Inventory surged 49.8% — growing faster than typical sales pace; potential demand softening or supply chain overcorrection.

Revenue
P&L
+48.6%
$13.7B$20.3B

Strong top-line growth of 48.6% — accelerating demand or successful expansion into new markets.

Gross Profit
P&L
+45.8%
$2.9B$4.2B

Gross profit expanding — improving pricing power or product mix shift toward higher-margin offerings.

Cash & Equivalents
Balance Sheet
+35.6%
$1.7B$2.3B

Cash position surged 35.6% — strong cash generation or capital raise providing significant financial cushion.

Current Assets
Balance Sheet
+34.5%
$4.9B$6.5B

Current assets grew 34.5% — improving short-term liquidity or inventory/receivables build.

LANGUAGE CHANGES
NEW — 2026-02-18
PRIOR — 2025-02-19
ADDED
As of February 13, 2026, the registrant had 142,736,197 shares of Class A common stock outstanding and 76,109,471 shares of Class B common stock outstanding.
Management's Discussion and Analysis of Financial Condition and Results of Operations 36 Item 7A.
population as of December 31, 2025, to sell 2.8 million retail vehicles, generating $84.1 billion in total revenue since inception in 2012 through December 31, 2025.
We primarily acquire our used vehicle inventory directly from customers, used car auctions, including by use of our growing digital auction platform, and wholesale used vehicle suppliers, including retail marketplace partners.
Our online tool then allows customers to schedule a time to have their existing vehicle picked up at their home, or drop it off at a Carvana location, and receive payment.
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REMOVED
As of February 14, 2025, the registrant had 134,046,880 shares of Class A common stock outstanding and 79,119,471 shares of Class B common stock outstanding.
Management's Discussion and Analysis of Financial Condition and Results of Operations 35 Item 7A.
accounting for less than 10% of the market share in 2023 according to Automotive News.
population as of December 31, 2024, to sell 2.2 million retail vehicles, generating $63.7 billion in total revenue since inception in 2012 through December 31, 2024.
We primarily acquire our used vehicle inventory directly from customers, used car auctions, and wholesale used vehicle suppliers, including retail marketplace partners.
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