Copart (CPRT) RSU sell-vs-hold
Calculator · free · no signup · CPRTSell at vest or hold? Compare after-tax payout from selling Copart RSUs at vest vs. holding through the LTCG cliff at 12 months.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your vest
Tax inputs
Hold strategy
Best after-tax payout — at year 1 yr
$47,709
Sell + invest wins by $4,981 over Hold 1 yr.
Estimates only. Not financial advice.
Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of CPRT today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in CPRT. Holding past one year converts the gain to LTCG.
Sell + invest
Best payout| Vest value (shares × price) | $80,000 |
| Federal | |
| State | |
| Medicare | −$1,160 |
| Additional Medicare | −$720 |
| Market gain over 1 yr at 10.0% | $4,451 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,251 |
| Net at year 1 yr | $47,709 |
Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Hold 1 yr
| Vest value (shares × price) | $80,000 |
| Vest tax (federal + state + FICA) | |
| Net at year 1 yr | $42,728 |
Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.
Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.
Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.
You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator
About Copart
Copart (CPRT) is a public Marketplace company, incorporated in Delaware and headquartered in Dallas, TX.
Last close: $31.51 per share (as of 2026-08-19).
Equity grants at Copart typically include restricted stock units (RSUs).
Copart, Inc. is a multinational provider of online vehicle auction and remarketing services to automotive resellers such as insurance, rental car, fleet, and finance companies in 11 countries: the US, Canada, the UK, Germany, Ireland, Brazil, Spain, UAE, Bahrain, Oman, and Finland. Headquartered in Dallas, Texas, Copart has more than 200 physical locations, where it houses more than 10,000 acres of vehicle inventory. Copart sells used, wholesale and repairable vehicles in weekly and bi-weekly online auctions to buyers ranging from consumers to automotive businesses. Copart provides vehicle sellers with a range of services to process and sell repairable and clean title vehicles over the internet, using its patented virtual auction technology, named VB3, as well as others of its auction-related brands.
Source: Wikipedia (CC BY-SA 4.0)
Willis Johnson started with a single salvage yard in California in 1982, and the company now runs the online auction where insurers dispose of vehicles they have declared total losses. Buyers bid from anywhere, which widened the bidder pool far beyond a local yard and raised recovery values enough that insurers consolidated onto the platform. Land ownership is deliberate: storage capacity near population centers is scarce and functions as a barrier. Higher vehicle repair costs push more damaged cars into total-loss status. Headquarters are in Dallas.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Copart.
Copart (CPRT) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.
Example: 500 Copart (CPRT) RSUs vesting at $31.51 per share is $15,755 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$5,042), the post-tax share value is ~$10,713. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.
All Copart tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Copart equity questions
- Should I sell or hold my Copart RSUs at vest?
- Copart restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
- Does Copart grant ISOs, NSOs, or RSUs?
- Equity compensation at Copart typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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