debt_leverage_profile
CarMax carries ~$16B in auto loan receivables and ~$3B corporate debt; 20% rate rise increases floor-plan and securitization costs ~$320M annually, compressing margins ~1.5%.
Inferred
Agent_Inference
interest_rate_sensitivity
Moderate
Medium
SEC-10K 0001170010-26-000021
geopolitical_supply_exposure
Medium intensity; China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
supply_chain_dependency
Moderate
Medium
SEC-10K 0001170010-26-000021
international_expansion_readiness
Low
Medium
SEC-10K 0001170010-26-000021
geographic_footprint
Domestic (US concentrated)
Medium
SEC-10K 0001170010-26-000021
commodity_exposure_profile
Medium intensity; commodities: steel, aluminum, petrochemical resins/plastics, copper, lithium and battery-grade materials (nickel, graphite), lumber, cotton; geopolitical: China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
vendor_lock_dependency_score
Moderate
Medium
SEC-10K 0001170010-26-000021
business_model_type_primary
retailer
Medium
SEC-10K 0001170010-26-000021
business_model_type_secondary
finance/intermediary
Medium
SEC-10K 0001170010-26-000021
switching_cost_profile
Low
Medium
SEC-10K 0001170010-26-000021
howey_test_risk_index
Low
Medium
SEC-10K 0001170010-26-000021
regulatory_burden_tier
Medium
Medium
GICS-regulatory-overlay-v1
data_sovereignty_risk
High
Medium
SEC-10K 0001170010-26-000021
antitrust_exposure_flag
No
Medium
SEC-10K 0001170010-26-000021
regulatory_exposure_profile
Medium burden; regimes: FTC, CPSC, NLRB, CFPB, GDPR, SEC; Evolving consumer protection and data-privacy rules squeeze retail margins.
Medium
GICS-regulatory-overlay-v1
revenue_model_type
product sales / transactional
Medium
SEC-10K 0001170010-26-000021
monetization_vector
unit sales / per-transaction
Medium
SEC-10K 0001170010-26-000021
pricing_architecture
Tiered usage-based (finance rates negotiated by credit tier)
Medium
SEC-10K 0001170010-26-000021
pricing_power_rating
Moderate
Medium
SEC-10K 0001170010-26-000021
target_gross_margin_bracket
10.8% Gross Margin (Thin (<20%))
High
SEC-XBRL
churn_vulnerability_index
High
Medium
SEC-10K 0001170010-26-000021
headcount_cost_structure
Linear
Medium
SEC-10K 0001170010-26-000021
marginal_cost_of_growth
Linear
Medium
SEC-10K 0001170010-26-000021
franchise_compliance_risk
N-A
Medium
SEC-10K 0001170010-26-000021
customer_acquisition_metric
Digital/omni-channel primary; 94% of customers visited carmax.com first; $283M advertising spend in fiscal 2026.
Medium
SEC-10K 0001170010-26-000021
network_effect_present
Partial
Medium
SEC-10K 0001170010-26-000021
asset_efficiency_ratio
AI displacement risk moderate; AI enhances appraisal accuracy and pricing algorithms, but physical reconditioning, test drives, and F&I are human-intensive and not easily automated.
Inferred
Agent_Inference
recession_resistance_tier
Mixed
Medium
SEC-10K 0001170010-26-000021
customer_segment_primary
consumer
Medium
SEC-10K 0001170010-26-000021
customer_segment_secondary
B2B (dealers for wholesale auctions)
Medium
SEC-10K 0001170010-26-000021
characteristic_occupations
["11-0000 Management Occupations", "13-0000 Business and Financial Operations Occupations", "15-0000 Computer and Mathematical Occupations", "23-0000 Legal Occupations", "25-0000 Educational Instruction and Library Occupations", "27-0000 Arts, Design, Entertainment, Sports, and Media Occupations", "35-0000 Food Preparation and Serving Related Occupations", "39-0000 Personal Care and Service Occupations", "41-0000 Sales and Related Occupations", "43-0000 Office and Administrative Support Occupations", "49-0000 Installation, Maintenance, and Repair Occupations", "51-0000 Production Occupations", "53-0000 Transportation and Material Moving Occupations"]
High
SOC-2018/GICS-overlay
agent_automatable_labor_share
0.22 (HIL — ~22% of characteristic roles agent-automatable)
Medium
SOC-2018 + agentic-exposure-v2
capital_expenditure_profile
2.1% CapEx / Revenue (Low-CapEx Asset-Light)
High
SEC-XBRL
sec_cik
0001170010
High
SEC-EDGAR
ticker
KMX
High
SEC-EDGAR
activist_13d_count_1y
0
High
SEC-13D/G registry, subject-verified
blockholder_13g_count_1y
7
High
SEC-13D/G registry, subject-verified
activist_last_13d_date
none in window
High
SEC-13D/G registry, subject-verified
insider_buys_6m
6
High
SEC-Form4 0001170010-26-000093..0001170010-26-000030
insider_sells_6m
0
High
SEC-Form4 0001170010-26-000093..0001170010-26-000030
insider_net_shares_6m
24074
High
SEC-Form4 0001170010-26-000093..0001170010-26-000030
insider_last_transaction_date
2026-06-25
High
SEC-Form4 0001170010-26-000093..0001170010-26-000030
Insider_Dog_Checked
2026-10-01T20:16|activist_13d_count_1y,activist_last_13d_date,blockholder_13g_count_1y,insider_buys_6m,insider_last_transaction_date,insider_net_shares_6m,insider_sells_6m
High
SEC-Form4 registry