CoverageForm 410-K10-Q8-K13D13G13F

LOTZ · Carlotz, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Income Statement

Line itemFY 2021FY 2020FY 2019FY 2018FY 2017
Revenue$118.63M$118.63M$102.49M$58.35M-
Cost of Revenue-----
Gross Profit$10.59M$11.26M$8.71M$5.64M-
R&D-----
SG&A$93.08M$17.55M$18.30M$11.66M-
Total Operating Expenses$147.67M$18.11M$932.8K$12.25M-
D&A$341.0K$341.0K$504.0K$338.0K-
Operating Income($137.08M)($6.85M)($932.8K)($6.61M)-
Interest Expense$1.59M$518.0K$651.0K$466.0K-
Income Tax$10.0K$10.0K$1.12M$3.0K-
Net Income($39.88M)($6.55M)$3.48M($6.56M)-
EPS - Basic($0.11)----
EPS - Diluted($0.11)----

Balance Sheet

Line itemFY 2021FY 2020FY 2019FY 2018FY 2017
Cash & Equivalents$75.03M$2.21M$1.60M-$9.19M
Accounts Receivable$8.21M$4.13M$3.26M--
Inventory$40.98M$11.20M$7.63M--
Accounts Payable$6.35M$6.28M$2.13M--
Current Assets$249.85M$25.86M$1.82M--
Total Assets$290.29M$28.20M$311.66M--
Current Liabilities$49.86M$33.65M$214.8K--
Long-term Debt-$3.00M---
Total Liabilities$76.78M$41.44M$10.91M--
Stockholders' Equity$213.51M($30.80M)$0-($854.0K)
Retained Earnings($73.92M)($34.04M)$3.48M--

Cash Flow

Line itemFY 2021FY 2020FY 2019FY 2018FY 2017
Operating Cash Flow($111.28M)($4.59M)($2.06M)($11.76M)-
Investing Cash Flow($146.51M)($1.23M)($304.31M)($362.0K)-
Financing Cash Flow$334.35M$4.53M$307.95M$4.50M-
CapEx$10.15M$154.0K$235.0K$474.0K-
Free Cash Flow($121.43M)($4.75M)($2.29M)($12.23M)-

Ratios

MetricFY 2021FY 2020FY 2019FY 2018FY 2017
Profitability
Gross margin8.9%9.5%8.5%9.7%-
Operating margin-115.6%-5.8%-0.9%-11.3%-
EBITDA margin-115.3%-5.5%-0.4%-10.7%-
Net margin-33.6%-5.5%3.4%-11.2%-
Free cash flow margin-102.4%-4.0%-2.2%-21.0%-
FCF / Net income3.040.72-0.661.87-
R&D / Revenue-----
SG&A / Revenue78.5%14.8%17.9%20.0%-
Effective tax rate--24.4%--
Return on assets-13.7%-23.2%1.1%--
Return on equity-18.7%21.3%---
Return on invested capital-----
Liquidity
Current ratio5.010.778.46--
Quick ratio4.190.44-27.03--
Cash ratio1.500.077.45--
Leverage
Debt / Equity--0.10---
Debt / Assets-0.11---
Debt / EBITDA-----
Interest coverage-86.2x-13.2x-1.4x-14.2x-
Equity multiplier1.36-0.92---
Liabilities / Assets0.261.470.04--
Efficiency
Asset turnover0.414.210.33--
Inventory turnover-----
Days sales outstanding25d13d12d--
Days inventory outstanding-----
Days payable outstanding-----
Cash conversion cycle-----
Valuation
P / E-----
P / B-----
P / S-----
EV / EBITDA-----
Growth
Revenue growth (YoY)0.0%15.7%75.6%--
Revenue CAGR (3y)26.7%----
Revenue CAGR (5y)-----
Gross profit growth (YoY)-5.9%29.3%54.3%--
Operating income growth (YoY)-1900.6%-634.5%85.9%--
Net income growth (YoY)-508.7%----
EPS growth (YoY)-----
EPS CAGR (3y)-----
EPS CAGR (5y)-----
FCF growth (YoY)-2458.6%-107.2%81.3%--
FCF CAGR (5y)-----
Book value growth (YoY)-----

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2021-12-31.

Product / service

$516.08M total
Vehicle Sales$258.04M · 50.0%
Retail Vehicle Sales$217.44M · 42.1%
Wholesale Vehicle Sales$31.76M · 6.2%
Finance And Insurance$8.84M · 1.7%

Stability scores

Altman Z′

FY 2021 · bankruptcy risk

0.39
Distress

Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.

Piotroski F-score

FY 2021 · 9-point quality

2/9
Weak
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • Current ratio improved
  • -No share dilution
  • Gross margin improved
  • Asset turnover improved

Peer comparison

Same SIC group: Retail-Auto Dealers & Gasoline Stations

CompanyRevenue (last FY)Net marginROE
CVNA$20.32B6.9%40.9%
MUSA--75.5%
ABG$18.00B2.7%12.6%
PAG$31.81B2.9%16.8%
GPI$22.57B1.4%11.7%

Comparing CarLotz against the 5 most active filers in the same SIC group.