America's Car-Mart, Inc.(CRMT)Earnings, Financials & Key Ratios
CRMT•NASDAQ
$12.92
$107M mkt cap·5.5× P/E·Price updated May 6, 2026
AboutAmerica's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. It primarily sells older model used vehicles and provides financing for its customers. As of April 30, 2022, the company operated 154 dealerships in the South-Central United States. The company was founded in 1981 and is based in Rogers, Arkansas.Show more
- Revenue$1.39B-0.2%
- EBITDA$101M+211.8%
- Net Income$18M+157.0%
- EPS (Diluted)2.33+147.5%
- Gross Margin47.8%+6.0%
- EBITDA Margin7.29%+212.5%
- Operating Margin6.74%+266.3%
- Net Margin1.29%+157.1%
- ROE3.44%+153.1%
- ROIC5.23%+236.3%
- Debt/Equity1.48-14.8%
- Interest Coverage1.33+238.1%
CRMT Key Insights
America's Car-Mart, Inc. (CRMT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y sales CAGR of 13.3%
- ✓Trading at only 0.2x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 0.4%
- ✗Profits declining 19.0% over 5 years
- ✗Negative free cash flow
- ✗Weak momentum: RS Rating 5 (bottom 5%)
- ✗Shares diluted 20.2% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CRMT Price & Volume
America's Car-Mart, Inc. (CRMT) stock price & volume — 10-year historical chart
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CRMT Growth Metrics
America's Car-Mart, Inc. (CRMT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.12%
5 Years13.31%
3 Years4.69%
TTM-24.96%
Profit CAGR
10 Years-4.87%
5 Years-19.01%
3 Years-42.68%
TTM-1918.43%
EPS CAGR
10 Years-3.27%
5 Years-20.61%
3 Years-44.89%
TTM-1758.27%
Return on Capital
10 Years10.06%
5 Years10.41%
3 Years5.49%
Last Year7.95%
CRMT Recent Earnings
America's Car-Mart, Inc. (CRMT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (20%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Mar 12, 2026EPS
$1.53
Est $0.26
-496.1%
Revenue
$287M
Est $329M
-12.9%
Q4 2025
Dec 4, 2025EPS
$0.79
Revenue
—
Q4 2025
Sep 4, 2025EPS
$0.69
Est $0.69
-200.0%
Revenue
$341M
Est $340M
+0.5%
Q4 2025
Sep 3, 2025EPS
$0.15
Est $0.69
-121.7%
Revenue
$341M
Est $359M
-5.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 12, 2026 | $1.53vs $0.26-496.1% | $287Mvs $329M-12.9% |
| Q4 2025 | Dec 4, 2025 | $0.79 | — |
| Q4 2025 | Sep 4, 2025 | $0.69vs $0.69-200.0% | $341Mvs $340M+0.5% |
| Q4 2025 | Sep 3, 2025 | $0.15vs $0.69-121.7% | $341Mvs $359M-5.0% |
Based on last 12 quarters of dataView full earnings history →
CRMT Peer Comparison
America's Car-Mart, Inc. (CRMT) competitors in Specialty Vehicle Dealers and Finance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 DRVN | 2.19B | 13.33 | -7.32 | 1.54% | -9.14% | -28.42% | 6.58 | |
 AN | 7.03B | 204.77 | 12.02 | 3.24% | 2.47% | 28.44% | 4.35 | |
 LAD | 6.6B | 289.40 | 8.95 | 4% | 1.88% | 10.59% | 2.91% | 2.22 |
 KMX | 5.64B | 39.43 | 12.28 | -0.02% | 1.67% | 7.55% | 2.77% | 3.11 |
 SAH | 2.69B | 79.00 | 23.10 | 6.53% | 0.78% | 11.15% | 15.54% | 3.96 |
 ABG | 3.81B | 197.70 | 7.87 | 4.71% | 2.27% | 14.14% | 15.12% | 1.63 |
 CVNA | 84.42B | 389.38 | 46.08 | 48.63% | 7.09% | 45.92% | 1.05% | 0.15 |
 VRM | 62.14M | 11.95 | -0.13 | -98.7% | -27.71% | -77.02% |
Compare CRMT vs Peers
America's Car-Mart, Inc. (CRMT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CRMT Income Statement
America's Car-Mart, Inc. (CRMT) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Apr'17 | Apr'18 | Apr'19 | Apr'20 | Apr'21 | Apr'22 | Apr'23 | Apr'24 | Apr'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 587.75M | 612.2M | 669.12M | 744.61M | 918.61M | 1.21B | 1.41B | 1.39B | 1.39B | 1.04B |
| Revenue Growth % | 3.49% | 4.16% | 9.3% | 11.28% | 23.37% | 31.98% | 15.93% | -0.83% | -0.21% | -24.96% |
| Cost of Goods Sold | 304.93M | 315.27M | 343.9M | 388.48M | 479.15M | 663.63M | 805.87M | 765.42M | 726.05M | 695.96M |
| COGS % of Revenue | 51.88% | 51.5% | 51.4% | 52.17% | 52.16% | 54.74% | 57.34% | 54.91% | 52.2% | - |
| Gross Profit | 282.82M▲ 0% | 296.93M▲ 5.0% | 325.22M▲ 9.5% | 356.14M▲ 9.5% | 439.46M▲ 23.4% | 548.73M▲ 24.9% | 599.63M▲ 9.3% | 628.48M▲ 4.8% | 664.88M▲ 5.8% | 343.62M▲ 0% |
| Gross Margin % | 48.12% | 48.5% | 48.6% | 47.83% | 47.84% | 45.26% | 42.66% | 45.09% | 47.8% | 33.05% |
| Gross Profit Growth % | 7.53% | 4.99% | 9.53% | 9.5% | 23.4% | 24.87% | 9.27% | 4.81% | 5.79% | - |
| Operating Expenses | 245.31M | 252.33M | 257.58M | 283.85M | 298.24M | 417.26M | 535.16M | 602.83M | 571.13M | 527.64M |
| OpEx % of Revenue | 41.74% | 41.22% | 38.5% | 38.12% | 32.47% | 34.42% | 38.08% | 43.25% | 41.06% | - |
| Selling, General & Admin | 91.94M | 99.02M | 107.25M | 117.76M | 130.85M | 156.13M | 176.7M | 179.42M | 188.92M | 208.26M |
| SG&A % of Revenue | 15.64% | 16.17% | 16.03% | 15.82% | 14.24% | 12.88% | 12.57% | 12.87% | 13.58% | - |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | 153.37M | 153.31M | 150.33M | 166.09M | 167.38M | 261.13M | 358.46M | 0 | 382.21M | 3M |
| Operating Income | 33.45M▲ 0% | 39M▲ 16.6% | 59.76M▲ 53.2% | 72.29M▲ 21.0% | 141.22M▲ 95.4% | 131.47M▼ 6.9% | 64.47M▼ 51.0% | 25.65M▼ 60.2% | 93.75M▲ 265.5% | 17.63M▲ 0% |
| Operating Margin % | 5.69% | 6.37% | 8.93% | 9.71% | 15.37% | 10.84% | 4.59% | 1.84% | 6.74% | 1.7% |
| Operating Income Growth % | 77.27% | 16.6% | 53.24% | 20.97% | 95.36% | -6.9% | -50.96% | -60.21% | 265.5% | - |
| EBITDA | 37.72M | 43.25M | 63.73M | 76.13M | 144.94M | 135.5M | 70.07M | 32.52M | 101.4M | 25.85M |
| EBITDA Margin % | 6.42% | 7.06% | 9.52% | 10.22% | 15.78% | 11.18% | 4.99% | 2.33% | 7.29% | 2.49% |
| EBITDA Growth % | 63.46% | 14.66% | 47.36% | 19.46% | 90.39% | -6.51% | -48.29% | -53.59% | 211.79% | -71.15% |
| D&A (Non-Cash Add-back) | 4.27M | 4.25M | 3.97M | 3.84M | 3.72M | 4.03M | 5.6M | 6.87M | 7.65M | 8.23M |
| EBIT | 36.31M | 44.51M | 67.73M | 72.4M | 142.15M | 133.55M | 64.11M | 25.21M | 93.45M | 12.87M |
| Net Interest Income | -4.07M | -5.6M | -7.88M | -8.05M | -6.82M | -10.92M | -38.31M | -65.35M | -70.65M | -71.88M |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 4.07M | 5.6M | 7.88M | 8.05M | 6.82M | 10.92M | 38.31M | 65.35M | 70.65M | 71.88M |
| Other Income/Expense | -5.27M | -5.69M | -7.79M | -7.94M | -6.78M | -9.36M | -38.67M | -65.78M | -70.95M | -76.75M |
| Pretax Income | 32.24M▲ 0% | 38.91M▲ 20.7% | 59.85M▲ 53.8% | 64.35M▲ 7.5% | 134.44M▲ 108.9% | 122.11M▼ 9.2% | 25.79M▼ 78.9% | -40.13M▼ 255.6% | 22.8M▲ 156.8% | -57.47M▲ 0% |
| Pretax Margin % | 5.49% | 6.36% | 8.94% | 8.64% | 14.64% | 10.07% | 1.84% | -2.88% | 1.64% | -5.53% |
| Income Tax | 12.04M | 2.4M | 12.23M | 13.01M | 30.3M | 27.09M | 5.36M | -8.74M | 4.87M | 35.15M |
| Effective Tax Rate % | 37.33% | 6.16% | 20.43% | 20.21% | 22.54% | 22.19% | 20.79% | 21.78% | 21.35% | -61.16% |
| Net Income | 20.2M▲ 0% | 36.51M▲ 80.7% | 47.63M▲ 30.4% | 51.34M▲ 7.8% | 104.82M▲ 104.2% | 95.01M▼ 9.4% | 20.43M▼ 78.5% | -31.39M▼ 253.6% | 17.89M▲ 157.0% | -122.54M▲ 0% |
| Net Margin % | 3.44% | 5.96% | 7.12% | 6.9% | 11.41% | 7.84% | 1.45% | -2.25% | 1.29% | -11.79% |
| Net Income Growth % | 74.24% | 80.69% | 30.45% | 7.81% | 104.16% | -9.36% | -78.5% | -253.65% | 156.99% | -1918.43% |
| Net Income (Continuing) | 20.2M | 36.51M | 47.63M | 51.34M | 104.14M | 95.01M | 20.43M | -31.39M | 17.93M | -94.28M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K |
| EPS (Diluted) | 2.49▲ 0% | 4.91▲ 97.2% | 6.73▲ 37.1% | 7.39▲ 9.8% | 14.95▲ 102.3% | 13.92▼ 6.9% | 3.11▼ 77.7% | -4.91▼ 257.9% | 2.33▲ 147.5% | -14.77▲ 0% |
| EPS Growth % | 87.22% | 97.19% | 37.07% | 9.81% | 102.3% | -6.89% | -77.66% | -257.88% | 147.45% | -1758.27% |
| EPS (Basic) | 2.57 | 5.05 | 6.99 | 7.74 | 15.70 | 14.60 | 3.20 | -4.91 | 2.38 | - |
| Diluted Shares Outstanding | 8.11M | 7.44M | 7.07M | 6.95M | 6.96M | 6.82M | 6.57M | 6.39M | 7.68M | 8.3M |
| Basic Shares Outstanding | 7.85M | 7.23M | 6.81M | 6.63M | 6.63M | 6.51M | 6.37M | 6.39M | 7.53M | 8.3M |
| Dividend Payout Ratio | 0.2% | 0.11% | 0.08% | 0.08% | 0.04% | 0.04% | 0.2% | - | 0.22% | - |
CRMT Balance Sheet
America's Car-Mart, Inc. (CRMT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Apr'17 | Apr'18 | Apr'19 | Apr'20 | Apr'21 | Apr'22 | Apr'23 | Apr'24 | Apr'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 393.76M | 426.63M | 463.65M | 569.65M | 719.76M | 1.04B | 1.26B | 1.31B | 1.42B | 219.09M |
| Cash & Short-Term Investments | 434K | 1.02M | 1.75M | 59.56M | 2.89M | 6.92M | 9.8M | 5.52M | 9.81M | 117.91M |
| Cash Only | 434K | 1.02M | 1.75M | 59.56M | 2.89M | 6.92M | 9.8M | 5.52M | 9.81M | 117.91M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 359.26M | 387.26M | 419.78M | 469.24M | 628.49M | 868.87M | 1.08B | 1.11B | 1.19B | 4.18M |
| Days Sales Outstanding | 223.1 | 230.89 | 228.99 | 230.02 | 249.72 | 261.59 | 280.17 | 290.26 | 311.78 | 313.53 |
| Inventory | 30.13M | 33.61M | 37.48M | 36.41M | 82.26M | 115.3M | 109.29M | 107.47M | 112.23M | 101.18M |
| Days Inventory Outstanding | 36.06 | 38.91 | 39.78 | 34.21 | 62.66 | 63.42 | 49.5 | 51.25 | 56.42 | 56.46 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 41.7M | 58.24M | 88.92M | 114.73M | -4.18M |
| Total Non-Current Assets | 30.49M | 28.95M | 28.89M | 97.67M | 102.4M | 112.86M | 158.58M | 167.27M | 181.6M | 163.72M |
| Property, Plant & Equipment | 30.14M | 28.59M | 28.54M | 90.85M | 95.12M | 104.24M | 120.82M | 121.55M | 120.72M | 103.93M |
| Fixed Asset Turnover | 19.50x | 21.41x | 23.45x | 8.20x | 9.66x | 11.63x | 11.63x | 11.47x | 11.52x | 9.09x |
| Goodwill | 355K | 355K | 355K | 6.82M | 7.28M | 8.62M | 11.72M | 14.45M | 22.8M | 22.77M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 26.04M | 31.28M | 38.08M | 114.55M |
| Total Assets | 424.26M▲ 0% | 455.58M▲ 7.4% | 492.54M▲ 8.1% | 667.32M▲ 35.5% | 822.16M▲ 23.2% | 1.15B▲ 40.4% | 1.41B▲ 22.5% | 1.48B▲ 4.4% | 1.61B▲ 8.7% | 1.63B▲ 0% |
| Asset Turnover | 1.39x | 1.34x | 1.36x | 1.12x | 1.12x | 1.05x | 0.99x | 0.94x | 0.87x | 0.63x |
| Asset Growth % | 4.42% | 7.38% | 8.11% | 35.49% | 23.2% | 40.45% | 22.52% | 4.45% | 8.72% | 24.02% |
| Total Current Liabilities | 15.72M | 17.66M | 20.17M | 21.4M | 82.14M | 164.83M | 323.07M | 353.8M | 372.08M | 25.53K |
| Accounts Payable | 11.22M | 13.61M | 13.66M | 13.12M | 18.21M | 20.05M | 27.2M | 21.38M | 34.98M | 0 |
| Days Payables Outstanding | 13.44 | 15.76 | 14.5 | 12.32 | 13.87 | 11.03 | 12.32 | 10.19 | 17.59 | 15.01 |
| Short-Term Debt | 669K | 506K | 1.27M | 0 | 1.8M | 44.67M | 167.23M | 201.64M | 206.06M | 0 |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 56.81M | 92.49M | 120.47M | 120.78M | 113.25M | 335.06M |
| Other Current Liabilities | 0 | -278K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Ratio | 25.05x | 24.16x | 22.99x | 26.62x | 8.76x | 6.32x | 3.89x | 3.70x | 3.83x | 3.83x |
| Quick Ratio | 23.13x | 22.26x | 21.13x | 24.92x | 7.76x | 5.62x | 3.55x | 3.40x | 3.53x | 3.53x |
| Cash Conversion Cycle | 245.73 | 254.04 | 254.27 | 251.9 | 298.52 | 313.97 | 317.35 | 331.31 | 350.61 | 354.98 |
| Total Non-Current Liabilities | 175.13M | 206.99M | 211.46M | 342.76M | 333.12M | 512.93M | 592.72M | 652.7M | 664.47M | 1.15B |
| Long-Term Debt | 117.94M | 151.25M | 152.08M | 215.12M | 225.92M | 395.99M | 471.37M | 553.63M | 572.01M | 0 |
| Capital Lease Obligations | 0 | 1.12M | 839K | 63.26M | 62.89M | 61.48M | 62.3M | 64.25M | 67M | 199.77M |
| Deferred Tax Liabilities | 21.81M | 15.83M | 17.83M | 15.95M | 25.91M | 37.84M | 47.86M | 24.04M | 17.47M | 54.77M |
| Other Non-Current Liabilities | 7.29M | 8.64M | 8.75M | 12.31M | -38.41M | -74.86M | -109.27M | 10.77M | 7.98M | 1.17B |
| Total Liabilities | 190.85M | 224.65M | 231.63M | 364.17M | 415.26M | 677.76M | 915.79M | 1.01B | 1.04B | 1.15B |
| Total Debt | 118.61M | 153.15M | 154.19M | 278.38M | 290.61M | 502.14M | 700.9M | 819.52M | 845.07M | 0 |
| Net Debt | 118.18M | 152.13M | 152.44M | 218.82M | 287.72M | 495.22M | 691.1M | 814M | 835.26M | -117.91M |
| Debt / Equity | 0.51x | 0.66x | 0.59x | 0.92x | 0.71x | 1.05x | 1.40x | 1.74x | 1.48x | 1.48x |
| Debt / EBITDA | 3.14x | 3.54x | 2.42x | 3.66x | 2.01x | 3.71x | 10.00x | 25.20x | 8.33x | 0.00x |
| Net Debt / EBITDA | 3.13x | 3.52x | 2.39x | 2.87x | 1.99x | 3.65x | 9.86x | 25.03x | 8.24x | 8.24x |
| Interest Coverage | 8.22x | 6.96x | 7.58x | 8.98x | 20.71x | 12.04x | 1.68x | 0.39x | 1.33x | 0.18x |
| Total Equity | 233.41M▲ 0% | 230.94M▼ 1.1% | 260.91M▲ 13.0% | 303.16M▲ 16.2% | 406.9M▲ 34.2% | 476.93M▲ 17.2% | 498.95M▲ 4.6% | 471.15M▼ 5.6% | 569.92M▲ 21.0% | 479.42M▲ 0% |
| Equity Growth % | 1.83% | -1.06% | 12.98% | 16.19% | 34.22% | 17.21% | 4.62% | -5.57% | 20.96% | 26.98% |
| Book Value per Share | 28.78 | 31.03 | 36.89 | 43.65 | 58.45 | 69.90 | 75.98 | 73.75 | 74.19 | 57.78 |
| Total Shareholders' Equity | 233.31M | 230.84M | 260.81M | 303.06M | 406.8M | 476.83M | 498.85M | 471.05M | 569.82M | 479.42M |
| Common Stock | 129K | 131K | 134K | 135K | 136K | 136K | 137K | 137K | 156K | 157K |
| Retained Earnings | 325.52M | 361.99M | 409.57M | 460.88M | 564.98M | 665.41M | 685.8M | 654.37M | 672.26M | 567.32M |
| Treasury Stock | -162.02M | -204.32M | -230.9M | -246.91M | -257.53M | -292.23M | -297.42M | -297.79M | -298.22M | 0 |
| Accumulated OCI | -162.02M | -204.32M | -230.9M | -246.91M | -257.53M | -292.23M | -297.42M | 0 | 0 | 0 |
| Minority Interest | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K |
CRMT Cash Flow Statement
America's Car-Mart, Inc. (CRMT) cash flow — operating, investing & free cash flow history
| Line item | Apr'17 | Apr'18 | Apr'19 | Apr'20 | Apr'21 | Apr'22 | Apr'23 | Apr'24 | Apr'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 7.33M | 9.99M | 24.9M | 20.92M | -53.81M | -114.28M | -137.97M | -73.9M | -48.76M | -48.76M |
| Operating CF Margin % | 1.25% | 1.63% | 3.72% | 2.81% | -5.86% | -9.43% | -9.82% | -5.3% | -3.51% | - |
| Operating CF Growth % | -48.66% | 36.27% | 149.17% | -16% | -357.26% | -112.38% | -20.73% | 46.44% | 34.01% | 561.16% |
| Net Income | 20.2M | 36.51M | 47.63M | 51.34M | 104.14M | 93.31M | 20.43M | -31.39M | 17.93M | -122.54M |
| Depreciation & Amortization | 4.27M | 4.25M | 3.97M | 3.84M | 3.72M | 4.03M | 5.6M | 6.87M | 7.65M | 14.5M |
| Stock-Based Compensation | 1.29M | 1.6M | 3.7M | 4.73M | 5.96M | 5.5M | 5.31M | 4.17M | 0 | 0 |
| Deferred Taxes | 638K | -6.36M | 1.7M | -1.28M | 7.03M | 8.23M | 8.87M | -21.51M | 0 | 29.87M |
| Other Non-Cash Items | 165M | 166.16M | 163.54M | 180.37M | 182.97M | 265.25M | 363.79M | 463.75M | 409.08M | 430.7M |
| Working Capital Changes | -184.07M | -192.17M | -195.64M | -218.09M | -357.63M | -490.6M | -541.98M | -495.8M | -483.43M | -364.35M |
| Change in Receivables | -229.84M | -234.54M | -246.77M | -282.32M | -392.46M | -592.06M | -726.67M | 0 | -605.7M | -543.58M |
| Change in Inventory | 42.49M | 38.79M | 47.64M | 53.83M | 5.02M | 50.88M | 130.91M | 139.19M | 114.57M | 163.04M |
| Change in Payables | 676K | 4.71M | 2.23M | 1.01M | 14.77M | 5.17M | 8.62M | -9.34M | 17.62M | -10.6M |
| Cash from Investing | -655K | -1.7M | -3.89M | -9.89M | -8.26M | -22.24M | -25.33M | -10.64M | -11.38M | -2.15M |
| Capital Expenditures | -1.59M | -2.26M | -4.03M | -5.42M | -8.95M | -20.9M | -22.23M | -6.15M | 0 | -1.04M |
| CapEx % of Revenue | 0.27% | 0.37% | 0.6% | 0.73% | 0.97% | 1.72% | 1.58% | 0.44% | 0.28% | - |
| Acquisitions | 932K | 554K | 142K | 184K | 694K | 20K | 84K | 0 | 0 | 37K |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | 932K | 554K | 142K | 184K | 694K | -1.55M | -5.46M | 316K | -3.85M | -1.15M |
| Cash from Financing | -6.85M | -7.7M | -20.29M | 46.78M | 5.4M | 176.22M | 188.75M | 110.96M | 90.23M | 96.33M |
| Debt Issued (Net) | 10.91M | 32.99M | 1.44M | 61.61M | 12.05M | 218.26M | 194.74M | 117.43M | 16.6M | -213.47M |
| Equity Issued (Net) | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -83K | 1000K | 1.1M |
| Dividends Paid | -40K | -40K | -40K | -40K | -40K | -40K | -40K | -40K | -40K | -40K |
| Share Repurchases | -20.49M | -42.3M | -26.58M | -16.01M | -10.62M | -34.7M | -5.2M | -365K | -434K | -301K |
| Other Financing | 2.63M | 1.54M | 4.75M | 1.03M | 3.75M | -7.6M | -1.05M | -6.35M | 0 | -1.73M |
| Net Change in Cash | -168K▲ 0% | 588K▲ 450.0% | 730K▲ 24.1% | 57.81M▲ 7818.9% | -56.67M▼ 198.0% | 39.69M▲ 170.0% | -17.14M▼ 143.2% | 26.41M▲ 254.1% | 30.09M▲ 13.9% | 110.62M▲ 0% |
| Free Cash Flow | 5.75M▲ 0% | 7.74M▲ 34.6% | 20.87M▲ 169.8% | 15.49M▼ 25.8% | -62.76M▼ 505.1% | -135.19M▼ 115.4% | -160.21M▼ 18.5% | -80.04M▲ 50.0% | -52.61M▲ 34.3% | 14.16M▲ 0% |
| FCF Margin % | 0.98% | 1.26% | 3.12% | 2.08% | -6.83% | -11.15% | -11.4% | -5.74% | -3.78% | 1.36% |
| FCF Growth % | -41.12% | 34.61% | 169.82% | -25.77% | -505.06% | -115.39% | -18.51% | 50.04% | 34.27% | 117.11% |
| FCF per Share | 0.71 | 1.04 | 2.95 | 2.23 | -9.02 | -19.81 | -24.40 | -12.53 | -6.85 | -6.85 |
| FCF Conversion (FCF/Net Income) | 0.36x | 0.27x | 0.52x | 0.41x | -0.51x | -1.20x | -6.75x | 2.35x | -2.73x | -0.12x |
| Interest Paid | 0 | 0 | 0 | 8.15M | 7.03M | 10.42M | 36.6M | 65.65M | 70.65M | 35.26M |
| Taxes Paid | 0 | 0 | 0 | 8.51M | 26.96M | 19.24M | 5.48M | 6.46M | 11.13M | 1.86M |
CRMT Key Ratios
America's Car-Mart, Inc. (CRMT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.73% | 15.72% | 19.37% | 18.2% | 29.52% | 21.5% | 4.19% | -6.47% | 3.44% | -22.59% |
| Return on Invested Capital (ROIC) | 7.29% | 7.96% | 11.26% | 11.59% | 17.41% | 11.83% | 4.47% | 1.55% | 5.23% | 5.23% |
| Gross Margin | 48.12% | 48.5% | 48.6% | 47.83% | 47.84% | 45.26% | 42.66% | 45.09% | 47.8% | 33.05% |
| Net Margin | 3.44% | 5.96% | 7.12% | 6.9% | 11.41% | 7.84% | 1.45% | -2.25% | 1.29% | -11.79% |
| Debt / Equity | 0.51x | 0.66x | 0.59x | 0.92x | 0.71x | 1.05x | 1.40x | 1.74x | 1.48x | 1.48x |
| Interest Coverage | 8.22x | 6.96x | 7.58x | 8.98x | 20.71x | 12.04x | 1.68x | 0.39x | 1.33x | 0.18x |
| FCF Conversion | 0.36x | 0.27x | 0.52x | 0.41x | -0.51x | -1.20x | -6.75x | 2.35x | -2.73x | -0.12x |
| Revenue Growth | 3.49% | 4.16% | 9.3% | 11.28% | 23.37% | 31.98% | 15.93% | -0.83% | -0.21% | -24.96% |
CRMT Frequently Asked Questions
America's Car-Mart, Inc. (CRMT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
America's Car-Mart, Inc. (CRMT) reported $1.04B in revenue for fiscal year 2024. This represents a 1039477% increase from $0.1M in 1995.
America's Car-Mart, Inc. (CRMT) saw revenue decline by 0.2% over the past year.
America's Car-Mart, Inc. (CRMT) reported a net loss of $122.5M for fiscal year 2024.
Dividend & Returns
America's Car-Mart, Inc. (CRMT) does not currently pay a meaningful dividend. The company may be reinvesting profits for growth.
America's Car-Mart, Inc. (CRMT) has a return on equity (ROE) of 3.4%. This is below average, suggesting room for improvement.
America's Car-Mart, Inc. (CRMT) generated $14.2M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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America's Car-Mart, Inc. (CRMT) financial analysis — history, returns, DCA and operating performance tools
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