10-QCloud & Data

CarGurus, Inc.

CARG · Period ending 2026-03-31 · Filed 2026-05-07

Valuation

Cloud & Data
Live · Yahoo Finance

Price

$27.51

52-Week Range

$26.39$27.51 now$39.42

Decision Context

Scores are balanced across the six engines. No single dimension dominates — this is consistent with a stable, mid-tier quality business.

Based on filing period ending Mar 2026

FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.

CARG vs

Macro Context

Fed Funds Rate

3.64%

Accommodative

10-Year Treasury

4.32%

2026-04-01

Unemployment

4.3%

Near full employment

CPI Index

332.4

2026-04-01

M2 Money Supply

$22.8T

2026-04-01

The Federal Funds rate stands at 3.64% — a moderately elevated rate environment that raises borrowing costs across the economy; 10-year Treasury yields are at 4.32%, setting the benchmark for long-term corporate borrowing; Unemployment stands at 4.3%; Industrial production index is at 102.5; M2 money supply is $22.8T; CPI index stands at 332.4.

SWOT Analysis — CARG

Inflationary Boom
Macro lens (Inflationary Boom): Rising costs and tighter margins amplify financial risks in this regime.

Strengths

  • EPS (Diluted): $1.55 (+675.0% YoY) — Earnings per share rose 675% — each share earned more.

  • Net Income: $155.9M (+643.4% YoY) — Profit grew 643% — the company kept more of each dollar earned.

  • Revenue: $316.9M (+59.9% YoY) — Revenue grew 60% — the company sold more goods or services than the prior year.

  • Operating Cash Flow: $295.3M (+15.6% YoY) — Operating cash flow grew 16% — the business generated more cash from day-to-day operations.

Weaknesses

  • Total Assets: $661.9M (-19.7% YoY) — Total assets shrank 20% — the balance sheet contracted.

  • R&D spending is 44% of revenue — heavy investment in future growth, but also a drag on current profitability.

Opportunities

No clear opportunities identified at this time.

Threats

  • Gross margin compressed by 107.4pp — input costs or pricing pressure is eroding profitability on each dollar of revenue.

Financial Charts

Revenue vs Net Income

Gross Profit vs Operating Income

Margin Trend

Operating Cash Flow

Year-over-Year Changes

EPS (Diluted)

$1.55

was $0.20

+675.0%

Earnings per share rose 675% — each share earned more.

Net Income

$155.9M

was $21.0M

+643.4%

Profit grew 643% — the company kept more of each dollar earned.

Revenue

$316.9M

was $198.1M

+59.9%

Revenue grew 60% — the company sold more goods or services than the prior year.

Total Assets

$661.9M

was $824.5M

−19.7%

Total assets shrank 20% — the balance sheet contracted.

Operating Cash Flow

$295.3M

was $255.5M

+15.6%

Operating cash flow grew 16% — the business generated more cash from day-to-day operations.

Risk Flags

0 high · 1 medium · 1 low
  • Medium

    Gross margin compressed by 107.4pp — input costs or pricing pressure is eroding profitability on each dollar of revenue.

  • Low

    R&D spending is 44% of revenue — heavy investment in future growth, but also a drag on current profitability.

Price History

Technical Signals

Daily closes · 1-year data

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External Links

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Research CarGurus, Inc.

Data sourced from SEC EDGAR, FRED (Federal Reserve Economic Data), and Yahoo Finance. For informational purposes only. Not financial advice.