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Data as of Q3 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
This company doesn't have positive free cash flow on any basis, so a reverse DCF can't be run.
Ranked against 15 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ORLY | $71.2B | 29.6× | 19.4× | 4.0× | 6.4% | 51.6% | 14.3% | -333% | 48.3% | 1.5× | 505 |
| AZO | $50.5B | 21.6× | 14.0× | 2.7× | 2.4% | 52.6% | 13.2% | -73.2% | 46.4% | 2.0× | 354 |
| CVNA | $49.2B | 8.1× | — | 2.4× | 48.6% | 20.6% | 6.9% | 40.9% | 16.6% | — | 196 |
| CPRT | $27.4B | 19.1× | 14.5× | 5.9× | 0.4% | — | 31.8% | 16.3% | 16.3% | 0.0× | 289 |
| CASY | $25.0B | 35.4× | — | 1.4× | 10.2% | — | 4.1% | 18.1% | 11.2% | — | 288 |
| PAG | $13.9B | 15.0× | 11.0× | 0.4× | -0.2% | 16.4% | 2.9% | 16.8% | 12.1% | 1.4× | 98 |
| MUSA | $9.9B | 22.4× | 12.2× | 0.5× | -4.2% | — | 2.4% | 75.5% | 16.8% | 2.2× | 135 |
| KMX | $8.0B | 33.4× | 35.8× | 0.3× | -1.8% | 10.8% | 1.0% | 4.2% | 1.0% | — | 126 |
| LAD | $6.5B | 9.2× | 8.5× | 0.2× | 4.0% | 15.2% | 2.2% | 12.4% | 5.0% | 5.1× | 96 |
| AN | $5.6B | 9.9× | — | 0.2× | 3.2% | 17.9% | 2.3% | 27.7% | 10.6% | — | 120 |
| RUSHA | $5.1B | 13.3× | 8.0× | 0.7× | -4.7% | 19.6% | 3.5% | 12.0% | 10.6% | 0.1× | 70 |
| OPLN | $4.7B | — | 17.8× | 2.5× | 8.2% | — | 9.2% | 14.3% | 10.0% | 1.4× | 62 |
| ABG | $3.6B | 7.9× | 7.6× | 0.2× | 4.7% | 17.1% | 2.7% | 12.6% | 6.6% | 3.8× | 388 |
| GPI | $3.1B | 10.3× | — | 0.1× | 13.2% | 16.0% | 1.4% | 11.7% | 5.0% | — | 74 |
| AAP | $2.8B | 62.6× | 13.3× | 0.3× | -5.4% | 43.4% | 0.5% | 2.0% | 0.8% | 1.3× | 73 |
| HZO | $1.2B | — | 24.8× | 0.5× | -5.0% | 32.5% | -1.4% | -3.4% | -1.6% | 10.8× | 38 |
Peers = companies sharing OPLN's sector (Retail-Auto Dealers & Gasoline Stations) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $45.6M buybacks = $45.6M returned.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A reinvestment story — most cash went back into growth rather than to shareholders.
Operating income fell despite reinvestment — a warning on capital productivity. Current ROIC on all capital: 10%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.93B 100.0% | $1.79B 100.0% | $1.70B 100.0% | $1.53B 100.0% | $1.45B 100.0% | $1.33B 100.0% | $2.78B 100.0% | $2.44B 100.0% | $2.24B 100.0% | $3.15B 100.0% |
| Cost of Services | — | — | — | — | — | — | — | $2.14B 87.7% | $1.99B 88.8% | $1.83B 58.0% |
| Selling, General & Admin | $445.2M 23.0% | $408.6M 22.8% | $421.8M 24.9% | $436.3M 28.5% | $420.7M 29.0% | $374.5M 28.2% | $662.0M 23.8% | $608.8M 24.9% | $531.7M 23.7% | $583.1M 18.5% |
| Total Operating Expenses | $1.74B 89.8% | $1.61B 89.8% | $1.83B 108.0% | $1.43B 93.8% | $1.32B 91.2% | $1.26B 94.8% | $2.47B 88.7% | $2.10B 86.1% | $1.91B 85.4% | $2.65B 84.2% |
| Operating Income | $196.6M 10.2% | $182.2M 10.2% | -$135.8M -8.0% | $94.7M 6.2% | $127.5M 8.8% | $69.2M 5.2% | $314.1M 11.3% | $340.1M 13.9% | $326.5M 14.6% | $499.0M 15.8% |
| Interest Expense | $18.1M 0.9% | $21.8M 1.2% | $25.2M 1.5% | $40.2M 2.6% | $125.7M 8.7% | $128.2M 9.7% | $189.5M 6.8% | $191.2M 7.8% | $163.2M 7.3% | $138.8M 4.4% |
| Other Income (Expense), net | $13.7M 0.7% | -$2.5M -0.1% | $15.6M 0.9% | $1.3M 0.1% | $12.5M 0.9% | -$5.8M -0.4% | $7.7M 0.3% | $3.0M 0.1% | $1.0M 0.0% | $500K 0.0% |
| Pretax Income | $192.2M 9.9% | $157.9M 8.8% | -$146.5M -8.6% | $38.6M 2.5% | $14.3M 1.0% | -$64.8M -4.9% | $130.1M 4.7% | $151.9M 6.2% | $158.4M 7.1% | $355.3M 11.3% |
| Income Tax Expense | $14.5M 0.7% | $48.0M 2.7% | $8.3M 0.5% | $10.0M 0.7% | $15.1M 1.0% | -$11.2M -0.8% | $37.7M 1.4% | $34.3M 1.4% | -$15.6M -0.7% | $132.9M 4.2% |
| Net Income | $177.7M 9.2% | $109.9M 6.1% | -$154.1M -9.1% | $241.2M 15.8% | $66.5M 4.6% | $500K 0.0% | $188.5M 6.8% | $328.0M 13.4% | $362.0M 16.2% | $222.4M 7.1% |
| Per Share | ||||||||||
| EPS (Basic) | -$0.96 | $0.46 | -$1.82 | $1.30 | $0.16 | -$0.35 | $1.43 | $2.44 | $2.66 | $1.62 |
| EPS (Diluted) | -$0.96 | $0.45 | -$1.82 | $1.30 | $0.16 | -$0.35 | $1.42 | $2.42 | $2.62 | $1.60 |
| Weighted Avg Shares (Basic) | 106.9M | 108.0M | 109.1M | 116.3M | 123.0M | 129.3M | 131.6M | 134.3M | 136.3M | 137.6M |
| Weighted Avg Shares (Diluted) | 106.9M | 109.2M | 109.1M | 116.3M | 123.0M | 129.3M | 132.9M | 135.7M | 138.0M | 139.1M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $141.5M covers the $5.5M due within a year 25.7× over. Scheduled principal only (excludes interest & revolver draws). As of 2025-12-31 (10-K).
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest is easily covered by operating profit. Effective rate ~3.4% on $535.6M of debt.
Cash of $141.5M fully covers short-term debt of $0.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-09-30 | Smith Mary Ellen Director | Grant | 773 | $34.13 | $26k |
| 2026-08-24 | Kelly Peter J Chief Executive Officer | Open-market buyindirect | 14,830 | $33.72 | $500k |
| 2026-08-13 | 7 co-filers Group filing | Open-market saleindirect | 8,000,000 | $34.36 | $274.9m |
| 2026-08-09 |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
3 co-filers Chief Accounting Officer |
| Option exercise |
| 441 |
| $0.00 |
| $0 |
| 2026-08-09 | 3 co-filers Chief Accounting Officer | Tax withholding | 126 | $36.98 | $5k |
| 2026-08-09 | 3 co-filers Chief Accounting Officer | Option exercise | 441 | $0.00 | — |
| 2026-08-05 | Hult David W Director | Grant | 5,646 | $38.22 | — |
| 2026-06-30 | Smith Mary Ellen Director | Grant | 607 | $41.24 | $25k |
| 2026-06-05 | Galvin Carmel Director | Grant | 6,031 | $36.48 | $220k |
| 2026-06-05 | Smith Mary Ellen Director | Grant | 6,031 | $36.48 | — |
| 2026-06-05 | Kestner Michael T. Director | Grant | 6,031 | $36.48 | — |
| 2026-06-05 | Jacoby Stefan Director | Grant | 6,031 | $36.48 | $220k |
| 2026-06-05 | Tuminelli Kelly L Director | Grant | 6,031 | $36.48 | — |
| 2026-06-05 | Altschuler Randolph Director | Grant | 6,031 | $36.48 | — |
| 2026-06-05 | Howell J Mark Director | Grant | 6,031 | $36.48 | — |
| 2026-05-28 | 14 co-filers Group filing | Otherindirect | 16,424,728 | $17.75 | $291.5m |
| 2026-05-28 | 14 co-filers Group filing | Otherindirect | 288,323 | — | — |
| 2026-05-27 | 3 co-filers EVP & CFO | Option exercise | 16,190 | $0.00 | $0 |
| 2026-05-27 | 3 co-filers EVP & CFO | Tax withholding | 4,453 | $36.90 | $164k |
| 2026-05-27 | 3 co-filers EVP & CFO | Option exercise | 16,190 | $0.00 | — |
| 2026-05-14 | Mitchell William Clyde President of AFC | Open-market sale | 6,500 | $36.04 | $234k |
| 2026-05-08 | Richer Tobin P EVP Marketing & Communications | Open-market sale | 4,000 | $38.31 | $153k |
| 2026-05-06 | 2 co-filers EVP & President, Marketplace | Open-market sale | 8,290 | $35.57 | $295k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Option exercise | 6,917 | $13.81 | $96k |
| 2026-05-06 | 3 co-filers EVP, CLO & Secretary | Option exercise | 19,763 | $13.81 | $273k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Exercise & sell | 3,784 | $35.57 | $135k |
| 2026-05-06 | 3 co-filers EVP, CLO & Secretary | Exercise & sell | 19,763 | $35.86 | $709k |
| 2026-05-06 | 2 co-filers EVP & President, Marketplace | Open-market sale | 6,710 | $36.01 | $242k |
| 2026-05-06 | 3 co-filers EVP, CLO & Secretary | Option exercise | 19,763 | $13.81 | — |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Exercise & sell | 3,133 | $36.01 | $113k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Option exercise | 13,014 | $18.23 | $237k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Exercise & sell | 7,209 | $35.57 | $256k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Exercise & sell | 5,805 | $36.01 | $209k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Option exercise | 20,751 | $13.81 | $287k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Exercise & sell | 10,878 | $35.57 | $387k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Exercise & sell | 9,873 | $36.02 | $356k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Option exercise | 26,027 | $18.23 | $474k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Exercise & sell | 14,419 | $35.57 | $513k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Exercise & sell | 11,608 | $36.01 | $418k |
| 2026-05-06 | 16 co-filers EVP Marketing & Communications | Option exercise | 6,917 | $13.81 | — |
EOD close · as of 2026-10-30
Where each multiple sits in its own 14-yr range · 74th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 14% against ROIC 10% — 4% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Low operating leverage — profit tracks sales closely (stable, less cyclical).
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| SG&A | 24.9 | 23.8 | 28.2 | 29.0 | 28.5 | 24.9 | 22.8 | 23.0 |
| Operating Income | 13.9 | 11.3 | 5.2 | 8.8 | 6.2 | -8.0 | 10.2 | 10.2 |
| Income Tax | 1.4 | 1.4 | -0.8 | 1.0 | 0.7 | 0.5 | 2.7 | 0.7 |
| Net Income | 13.4 | 6.8 | 0.0 | 4.6 | 15.8 | -9.1 | 6.1 | 9.2 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on OPLN: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Earns -0.15pts against its cost of capital — capital is being consumed, not created.
| Period | ROIC | Cost of capital | Spread |
|---|---|---|---|
| FY2019 | 7.2% | 9.5% (today's — no rate published for this year) | -2.3pts |
| FY2020 | 1.8% | 9.5% (today's — no rate published for this year) | -7.8pts |
| FY2021 | 3.0% | 8.8% | -5.8pts |
| FY2022 | 3.9% | 9.1% | -5.2pts |
| FY2023 | -6.3% | 9.5% | -15.8pts |
| FY2024 | 8.2% | 9.4% | -1.3pts |
| FY2025 | 8.9% | 8.4% | 0.5pts |
| Now | 10.0% | 9.5% | 0.5pts |
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2016 | not reported | 15.8% | 7.1% |
| FY2017 | not reported | 14.6% | 16.2% |
| FY2018 | not reported | 13.9% | 13.4% |
| FY2019 | not reported | 11.3% | 6.8% |
| FY2020 | not reported | 5.2% | 0.0% |
| FY2021 | not reported | 8.8% | 4.6% |
| FY2022 | not reported | 6.2% | 15.8% |
| FY2023 | not reported | -8.0% | -9.1% |
| FY2024 | not reported | 10.2% | 6.1% |
| FY2025 | not reported | 10.2% | 9.2% |
Leverage and buybacks account for 4 points of the 14% return on equity in FY2025. The business earns 10% on the capital it employs; the rest is balance sheet.
ROE is on average equity; ROIC is NOPAT over average invested capital (debt plus equity less excess cash). The gap is not a single adjustment.
$1.2B of goodwill — 75% of invested capital. The gap is what was paid above the fair value of what was bought; it is real capital shareholders provided, so neither bar is the whole answer. With goodwill over half the base, the ex-goodwill figure divides by a small remainder and moves sharply — read it as a direction, not a precise rate.
ROIC ex-goodwill is 37.03% against 9.36% reported — the return is earned on a capital base inflated by what was paid for acquisitions, not by the operating business alone.
Fewer than three profitable years with a cash flow statement, so cash conversion cannot be judged.
No material counter-signal in the checked set: FCF / net income over 3 and 5 years, Sloan accruals, SBC as a share of revenue, SBC as a share of operating cash flow, SBC-adjusted free cash flow, free cash flow per diluted share, buybacks against SBC issued, capex vs depreciation, free cash flow against revenue, share count since the first year on file, cash conversion cycle (DSO, DIO, DPO), receivables growth against revenue growth.
Missing from our data, so excluded from this answer: 3 years of cash flow.
Covers interest 7.6x even after a 30% EBITDA decline.
| EBITDA decline | Interest coverage |
|---|---|
| 0% | 10.86x |
| 5% | 10.32x |
| 10% | 9.78x |
| 15% | 9.23x |
| 20% | 8.69x |
| 25% | 8.15x |
| 30% | 7.60x |
| 35% | 7.06x |
| 40% | 6.52x |
| 45% | 5.97x |
| 50% | 5.43x |
| 55% | 4.89x |
| 60% | 4.34x |
Ladder as of 2025-12-31 (10-K); cash from the 2025-12-31 balance sheet; FCF from FY2025.
Balance sheet at 2025-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
The maturity schedule is not part of this verdict — its filing anchor is often older than the balance sheet it sits beside, so a wall inside 24 months may not be visible here.
No positive free cash flow to discount, so the price cannot be expressed as a growth requirement.
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
No material counter-signal in the checked set: reverse-DCF implied growth, historical FCF CAGR, per-year FCF growth distribution, reporting-basis breaks, discount rate used, free-cash-flow basis (stock comp charged?).
Missing from our data, so excluded from this answer: free_cash_flow.