Carvana (CVNA) FY2025 10-K Annual Report

Filed: Feb 18, 2026
Consumer Discretionary
Retail-Auto Dealers & Gasoline StationsSEC EDGAR

Carvana (CVNA) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 18, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.

Carvana FY2025 10-K Analysis

Business Overview

  • Core business: Online used vehicle sales platform with vehicle sourcing, financing, and delivery services
  • New emphasis on AI integration for customer support, marketing, recruiting, and operational efficiencies, with associated legal and compliance risks
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Management Discussion & Analysis

  • Revenue $20.3B in 2025 vs $13.7B in 2024 (+48.2%), driven by retail vehicle sales growth to $14.5B from $9.7B
  • Total gross profit per unit $7,026 in 2025 vs $6,908 in 2024; non-GAAP gross profit per unit $7,182 vs $7,196
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Risk Factors

  • Legal risk from increased regulatory scrutiny on selling used vehicles with open safety recalls, causing potential losses, costs, and litigation exposure
  • Geopolitical threat from military conflicts in Ukraine, Middle East, and US-China-Taiwan tensions impacting vehicle supply and consumer behavior
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Carvana FY2025 Key Financial Metrics
XBRL

Revenue

$20.3B

+48.6% YoY

Net Income

$1.4B

+570.0% YoY

Gross Margin

20.6%

-41bp YoY

Operating Margin

9.3%

+202bp YoY

Net Margin

6.9%

+539bp YoY

ROE

40.9%

+2422bp YoY

Total Assets

$13.2B

+55.6% YoY

EPS (Diluted)

$8.45

+431.4% YoY

Operating Cash Flow

$1.0B

+12.9% YoY

Source: XBRL data from Carvana FY2025 10-K filing on SEC EDGAR. All figures in USD.

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