America's Car-Mart, Inc. CRMT R2K

Consumer Cyclical · Auto & Truck Dealerships · United States

America's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer for the used car market in the United States. It sells older model used vehicles and provides financing for its customers. The company was founded in 1981 and is headquartered in Rogers, Arkansas.

Market & Price

Market Cap

$102.04M

Current Price

$12.29

High / Low (52W)

$62.05 / $11.03

Beta

1.17

Valuation

Stock P/E

Industry PE

22.37

Forward P/E

PEG Ratio

0.69

Book Value

$57.73

Price to Book

0.21

P/S

0.08

EV/EBITDA

30.73

Dividend Yield

Profitability & Returns

ROCE

7.57%

ROE

-18.16%

ROA

0.86%

Profit Margin

-7.02%

Op Margin

-4.25%

EPS (Latest Qtr)

$-9.25

EPS (TTM)

$-11.28

Balance Sheet & Liquidity

Debt/Equity

1.98

Quick Ratio

20.70

Current Ratio

24.95

Debt

$952.19M

Total Assets

$1.61B

Current Assets

$1.42B

Working Capital

$1.05B

Ownership

Promoter Holding

16.12%

Chg in Prom Hold

FII / Inst Holding

87.67%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$936.82M

Total Revenue (TTM)

$1.34B

EBITDA

$30.49M

Free Cash Flow

$48.24M

Operating Cash Flow

$16.44M

Shares Outstanding

8.30M

Gross Margin

44.93%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

5.32%

Profit 5Y

-42.64%

Revenue (YoY)

-12.00%

Earnings (YoY)

PROS

Generates positive free cash flow.

CONS

Earnings shrank at -42.6% CAGR over 5 years.
Trading 80.2% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Consumer Cyclical).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CRMT America's Car-Mart, Inc. R2K	12.29	-	$102.04M	-	7.57%	-18.16%	5.32%	-42.64%
2	AMZN Amazon.com, Inc. NDXSPXAI	270.64	31.65	$2.91T	-	16.60%	24.29%	11.73%	984.47%
3	TSLA Tesla, Inc. NDXSPXAI	435.79	399.81	$1.64T	-	5.29%	4.90%	5.19%	-32.94%
4	HD The Home Depot, Inc. SPX	317.14	22.52	$316.23B	2.94%	28.92%	128.38%	1.52%	-6.11%
5	MCD McDonald's Corporation SPX	279.20	23.04	$198.37B	2.66%	22.63%	-	5.06%	11.50%
6	TJX The TJX Companies, Inc. SPX	154.75	30.11	$171.12B	1.24%	32.91%	61.25%	6.53%	16.24%
7	BKNG Booking Holdings Inc. NDXSPX	167.43	22.09	$129.74B	0.96%	67.24%	-	16.35%	20.90%
8	LOW Lowe's Companies, Inc. SPX	214.36	18.12	$120.26B	2.24%	29.62%	-	-3.85%	1.11%
9	PDD PDD Holdings Inc. NDX	84.44	8.87	$120.19B	-	28.69%	25.40%	49.00%	45.85%

Quarterly Results

Figures in USD.

Metric	Apr 2015	Jul 2015	Oct 2015	Jan 2016	Apr 2016	Jul 2016	Oct 2016	Jan 2017	Apr 2017	Jul 2017	Oct 2017	Jan 2018	Apr 2018	Jul 2018	Oct 2018	Jan 2019	Apr 2019	Jul 2019	Oct 2019	Jan 2020	Apr 2020	Jul 2020	Oct 2020	Jan 2021	Jul 2021	Oct 2021	Jan 2022	Jul 2022	Oct 2022	Jan 2023	Jul 2023	Oct 2023	Jan 2024	Jul 2024	Oct 2024	Jan 2025	Apr 2025	Jul 2025	Oct 2025	Jan 2026
Revenue	-	-	-	-	-	-	-	-	-	128.27M	130.43M	128.17M	-	144.10M	146.41M	139.80M	-	150.07M	167.74M	163.25M	-	162.80M	196.68M	199.96M	246.74M	247.52M	248.31M	294.48M	303.55M	274.28M	310.34M	300.40M	240.40M	287.25M	285.77M	325.73M	370.17M	341.31M	350.19M	286.79M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	169.37M	196.90M	175.08M	179.02M	142.86M
Gross Profit	51.12M	52.51M	46.07M	49.09M	53.96M	54.17M	55.17M	49.43M	56.45M	53.07M	54.80M	53.22M	61.17M	59.93M	61.05M	58.06M	63.57M	61.19M	67.92M	65.75M	69.66M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	156.35M	173.28M	166.23M	171.18M	143.93M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	135.00M	143.25M	156.58M	178.40M	158.75M
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.35M	30.03M	9.65M	-7.22M	-14.83M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	23.20M	31.80M	11.78M	-9.70M	-12.91M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.92M	17.37M	17.04M	15.69M	21.77M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.39M	12.48M	-7.40M	-27.48M	-36.72M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.23M	1.84M	-1.67M	-5.01M	39.98M
Net Income	7.25M	4.62M	-485.00K	4.10M	3.36M	7.11M	5.02M	2.84M	5.24M	6.99M	5.97M	13.38M	10.17M	10.88M	11.28M	10.89M	14.56M	15.51M	13.89M	12.69M	9.26M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.16M	10.63M	-5.74M	-22.47M	-76.70M
Diluted EPS	0.81	0.52	-0.06	0.47	0.40	0.87	0.62	0.35	0.66	0.90	0.79	1.82	1.43	1.53	1.58	1.55	2.07	2.21	2.00	1.83	1.35	2.83	3.05	2.85	3.57	3.41	2.82	2.07	0.48	0.23	0.63	-4.30	-1.34	-0.15	0.61	0.37	1.26	-0.69	-2.71	-9.25

Profit & Loss (Annual)

Figures in USD.

Metric	Apr 2010	Apr 2011	Apr 2012	Apr 2013	Apr 2014	Apr 2015	Apr 2016	Apr 2017	Apr 2018	Apr 2019	Apr 2020	Apr 2021	Apr 2022	Apr 2023	Apr 2024	Apr 2025
Revenue	-	-	-	-	-	-	-	520.15M	537.53M	586.51M	652.99M	799.13M	1.19B	1.40B	1.39B	1.39B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	658.62M	800.79M	758.55M	726.05M
Gross Profit	-	-	163.47M	176.76M	183.19M	200.12M	201.63M	215.22M	222.25M	242.61M	264.52M	-	531.92M	599.62M	635.35M	664.88M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	398.22M	535.16M	609.70M	571.13M
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	133.70M	64.47M	25.65M	93.75M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	137.59M	69.71M	32.08M	101.10M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	10.92M	38.31M	65.35M	70.65M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	122.64M	25.79M	-40.13M	22.80M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	27.62M	5.36M	-8.74M	4.87M
Net Income	-	-	-	32.16M	21.13M	29.49M	11.60M	20.20M	36.51M	47.62M	51.34M	-	95.01M	20.43M	-31.39M	17.93M
Diluted EPS	2.27	2.54	3.24	3.36	2.25	3.25	1.33	2.49	4.90	6.73	7.39	15.05	13.67	3.11	-4.92	2.33

Compounded Sales Growth

5 Years:	5.32%
1 Year:	-12.00%

Compounded Profit Growth

5 Years:	-42.64%
1 Year:	-

Stock Price Performance

1 Year:	-75.30%
6 Months:	-47.75%
3 Months:	-38.43%
1 Month:	+0.99%

Balance Sheet (Annual)

Figures in USD.

Metric	Apr 2009	Apr 2010	Apr 2011	Apr 2012	Apr 2013	Apr 2014	Apr 2015	Apr 2016	Apr 2017	Apr 2018	Apr 2019	Apr 2020	Apr 2021	Apr 2022	Apr 2023	Apr 2024	Apr 2025
Total Assets	-	-	276.41M	310.94M	358.26M	363.30M	399.90M	406.30M	424.26M	455.58M	492.54M	667.32M	822.16M	1.15B	1.41B	1.48B	1.61B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	1.04B	1.26B	1.31B	1.42B
Cash & Equivalents	168.00K	268.00K	223.00K	276.00K	272.00K	289.00K	790.00K	602.00K	434.00K	1.02M	1.75M	59.56M	2.89M	6.92M	9.80M	5.52M	9.81M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	115.30M	109.29M	107.47M	112.23M
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	863.67M	1.06B	1.10B	1.18B
Total Liabilities	-	-	89.00M	126.07M	155.60M	149.89M	170.37M	177.08M	190.85M	224.65M	231.63M	364.17M	415.26M	677.76M	915.79M	1.01B	1.04B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	164.83M	323.07M	353.80M	372.08M
Long Term Debt	-	-	-	-	-	-	-	-	-	-	194.00K	-	-	395.99M	471.37M	553.63M	572.01M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	502.14M	700.90M	819.52M	845.07M
Total Equity	-	-	186.91M	184.37M	202.17M	212.91M	229.03M	228.72M	232.91M	230.44M	260.41M	302.66M	406.40M	476.83M	498.85M	471.05M	569.82M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	13.64M	13.70M	13.73M	15.61M

Cash Flows (Annual)

Figures in USD.

Metric	Apr 2010	Apr 2011	Apr 2012	Apr 2013	Apr 2014	Apr 2015	Apr 2016	Apr 2017	Apr 2018	Apr 2019	Apr 2020	Apr 2021	Apr 2022	Apr 2023	Apr 2024	Apr 2025
Operating Cash Flow	8.12M	16.86M	11.70M	-1.34M	21.88M	12.39M	14.29M	7.33M	9.99M	24.90M	20.92M	-53.81M	-119.18M	-135.73M	-73.90M	-48.76M
Investing Cash Flow	-5.45M	-4.79M	-4.43M	-5.52M	-7.09M	-3.90M	-4.52M	-655.00K	-1.70M	-3.89M	-9.89M	-8.26M	-17.35M	-27.57M	-10.64M	-11.38M
Financing Cash Flow	-2.57M	-12.12M	-7.21M	6.85M	-14.77M	-7.99M	-9.96M	-6.85M	-7.70M	-20.29M	46.78M	5.40M	176.22M	188.75M	110.96M	90.23M
Capital Expenditure	-6.46M	-4.80M	-4.45M	-5.73M	-7.09M	-4.01M	-4.53M	-1.59M	-2.26M	-4.03M	-5.42M	-8.95M	-15.80M	-22.11M	-6.15M	-3.89M
Free Cash Flow	1.65M	12.06M	7.24M	-7.06M	14.78M	8.38M	9.76M	5.75M	7.74M	20.87M	15.49M	-62.76M	-134.97M	-157.83M	-80.04M	-52.65M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	39.69M	25.45M	26.41M	30.09M
Share Buybacks	10.86M	20.35M	39.37M	17.30M	12.75M	20.02M	14.21M	20.49M	42.30M	26.58M	16.01M	10.62M	34.70M	5.20M	365.00K	434.00K
Dividends Paid	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K	40.00K

Ratios (Annual)

Figures in %.

Metric	Apr 2010	Apr 2011	Apr 2012	Apr 2013	Apr 2014	Apr 2015	Apr 2016	Apr 2017	Apr 2018	Apr 2019	Apr 2020	Apr 2021	Apr 2022	Apr 2023	Apr 2024	Apr 2025
Gross Margin %	-	-	-	-	-	-	-	41.4%	41.3%	41.4%	40.5%	-	44.7%	42.8%	45.6%	47.8%
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	11.2%	4.6%	1.8%	6.7%
Net Margin %	-	-	-	-	-	-	-	3.9%	6.8%	8.1%	7.9%	-	8.0%	1.5%	-2.3%	1.3%
ROE %	-	-	-	15.9%	9.9%	12.9%	5.1%	8.7%	15.8%	18.3%	17.0%	-	19.9%	4.1%	-6.7%	3.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	13.5%	5.9%	2.3%	7.6%

Shareholding Pattern

Insiders

16.12%

Institutions

87.67%

Public Float

104.52%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Magnolia Group, LLC	15.18%	1.26M	$15.49M
2	Nantahala Capital Management, LLC	7.77%	644.69K	$7.92M
3	Prescott Group Capital Management, L.L.C.	7.23%	600.20K	$7.38M
4	Blackrock Inc.	6.78%	562.91K	$6.92M
5	Vanguard Capital Management LLC	3.97%	329.49K	$4.05M
6	Ameriprise Financial, Inc.	3.25%	269.44K	$3.31M
7	North Reef Capital Management LP	3.12%	258.64K	$3.18M
8	Kize Capital, LP	2.63%	218.28K	$2.68M
9	Charles Schwab Investment Management, Inc.	2.51%	208.11K	$2.56M
10	Geode Capital Management, LLC	2.45%	203.76K	$2.50M

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Sector	Consumer Cyclical
Industry	Auto & Truck Dealerships
Headquarters	United States
Employees	2,300
Website	https://www.car-mart.com

America's Car-Mart, Inc. CRMT R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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