Comparative valuation models place Smart Buy Auto Finance’s forward P/E at 11.4, below the industry median of 13.2, suggesting undervaluation if projected earnings hold. The Reality: If you’re driving 5,000 miles per year instead of 12,000, you don’t need oil changes four times annually. Modern oil can easily last six to 12 months for low-mileage drivers. Auto loan incentives vary based on the economy and the state of the auto loan industry. Car prices have been rising since 2020, when the COVID-19 pandemic disrupted supply chains. High interest rates, fears of inflation and new trade tariffs have created a challenging environment for both car buyers and manufacturers. Options market data shows increased call buying for Smart Buy Auto Finance, especially at $10 strikes, hinting at traders betting on near-term upside amid stronger auto sales projections.