VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemes
DCF ValuationCalculate intrinsic value of US stocks
Market ValuationBuffett indicator, CAPE & macro gauges
Total ReturnSee dividends + price return history
DCA CalculatorSimulate recurring buys & compounding
Earnings
FAANG & Tech
AAPL vs MSFTNVDA vs AMDGOOGL vs META
Cloud & Cyber
CRM vs NOWCRWD vs PANWSNOW vs DDOG
Consumer & Auto
TSLA vs FAMZN vs WMTNFLX vs DIS
Finance & Crypto
JPM vs BACV vs MACOIN vs MSTR
Pharma & Energy
LLY vs NVOJNJ vs PFEXOM vs CVX
Compare Any Stocks...
WatchlistInsider
ScreenerThemes
Earnings
WatchlistInsider
CRMTAmerica's Car-Mart, Inc.
$2.60$22M
Overview & Verdict
Overview
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice HistoryTechnical Analysis
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Ownership
Holders
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Data updated daily

Product

  • Screener
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly stock ideas — free

© 2026 VCP Scanner
AboutPrivacyTerms
Not financial advice. Do your own research.
ScreenerNewsCompareWatchlist
HomeStocksCRMTBalance Sheet

America's Car-Mart, Inc. (CRMT) Balance Sheet

30Y historyFree accessUpdated daily

Financial leverage has intensified, with the debt-to-equity ratio rising to 1.99 in 2025Q3 from 1.48 in 2024Q4, reflecting a deteriorating capital structure.

CRMT Balance Sheet

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly
MetricTTMApr'25Apr'24Apr'23Apr'22Apr'21Apr'20Apr'19Apr'18Apr'17Apr'16Apr'15Apr'14Apr'13Apr'12Apr'11Apr'10Apr'09Apr'08Apr'07Apr'06Apr'05Apr'04Apr'03Apr'02Apr'01Apr'00Apr'99Apr'98Apr'97Apr'96
Total Current Assets219.09M1.42B1.31B1.26B1.04B719.76M569.65M463.65M426.63M393.76M371.19M365.58M329.03M327.73M283.04M250.52M228.19M199.92M182.09M156.36M162.18M132.36M111.68M97.36M89.19M276.65M229.57M126.6M65.8M21.5M1.5M
Cash & Short-Term Investments117.91M9.81M5.52M9.8M6.92M2.89M59.56M1.75M1.02M434K602K790K289K272K276K223K268K168K153K257K255K459K1.13M783.79K1.23M2.19M9.84M12.9M11.2M21.1M700K
Cash Only117.91M9.81M5.52M9.8M6.92M2.89M59.56M1.75M1.02M434K602K790K289K272K276K223K268K168K153K257K255K459K1.13M783.79K1.23M2.19M9.84M12.9M6.5M21.1M700K
Short-Term Investments00000000000000000000000000004.7M00
Accounts Receivable1.13B1.19B1.11B1.08B868.87M628.49M469.24M419.78M387.26M359.26M337.4M326.79M295.13M292.22M253.97M224.66M206.38M182.82M167.58M141.82M150.2M123.62M104.19M92.17M84.16M218.25M5.49M91M35.9M300K700K
Days Sales Outstanding388.07311.78290.26280.17261.59249.72230.02228.99230.89223.1216.85224.92220.21229.54239.63239.87222.26223.2222.72215.29234.07220.34215.86217.2258.93281.9410.26359.47850.881.09K2.56K
Inventory101.18M112.23M107.47M109.29M115.3M82.26M36.41M37.48M33.61M30.13M29.88M34.27M30.11M32.83M27.24M23.59M20.37M15.48M13.53M13.68M10.92M7.99M5.98M4.06M3.54M10.99M14.95M9.3M3.8M00
Days Inventory Outstanding56.2956.4251.2549.563.4262.6634.2139.7838.9136.0635.7745.9143.7450.1144.5143.9442.9436.2934.1739.9333.3828.6425.5119.2120.5223.7146.5458.22146--
Other Current Assets-1.13B114.73M88.92M58.24M41.7M00000000000000001K00044.17M199.29M13.4M14.9M100K100K
Total Non-Current Assets163.72M181.6M167.27M158.58M112.86M102.4M97.67M28.89M28.95M30.49M35.11M34.32M34.27M30.54M27.9M25.89M23.08M19.7M18.5M17.24M15.44M11.3M5.56M4.48M38.96M25.87M61.34M41.5M26.4M16.7M37.8M
Property, Plant & Equipment103.93M120.72M121.55M120.82M104.24M95.12M90.85M28.54M28.59M30.14M34.76M33.96M33.91M30.18M27.55M25.53M22.72M19.35M18.14M16.88M15.44M11.3M5.56M4.48M2.63M17.02M27.74M22.1M9.2M1.6M17.9M
Fixed Asset Turnover9.65x11.52x11.47x11.63x11.63x9.66x8.20x23.45x21.41x19.50x16.34x15.61x14.42x15.40x14.04x13.39x14.92x15.45x15.14x14.24x15.17x18.11x31.71x34.58x45.17x16.60x7.04x4.18x1.67x0.06x0.01x
Goodwill22.77M22.8M14.45M11.72M8.62M7.28M6.82M355K355K355K355K355K355K355K355K355K355K355K355K355K00000000000
Intangible Assets00000000000000000000000008.85M17.24M14.3M10.6M00
Long-Term Investments0000000000000000000000000000000
Other Non-Current Assets038.08M31.28M26.04M00000000000000000-1K0036.21M016.36M5.1M6.6M15.1M19.9M
Total Assets1.63B1.61B1.48B1.41B1.15B822.16M667.32M492.54M455.58M424.26M406.3M399.9M363.3M358.26M310.94M276.41M251.27M219.62M200.59M173.6M177.61M143.67M117.24M101.84M128.14M302.52M290.91M168.1M92.2M38.2M39.3M
Asset Turnover0.67x0.87x0.94x0.99x1.05x1.12x1.12x1.36x1.34x1.39x1.40x1.33x1.35x1.30x1.24x1.24x1.35x1.36x1.37x1.39x1.32x1.43x1.50x1.52x0.93x0.93x0.67x0.55x0.17x0.00x0.00x
Asset Growth %24.02%8.72%4.45%22.52%40.45%23.2%35.49%8.11%7.38%4.42%1.6%10.07%1.4%15.22%12.49%10%14.41%9.49%15.55%-2.26%23.63%22.54%15.12%-20.53%-57.64%3.99%73.06%82.32%141.36%-2.8%-27.89%
Total Current Liabilities160.31M372.08M353.8M323.07M164.83M82.14M21.4M20.17M17.66M15.72M17.14M17.01M14.41M13.83M10.82M28.05M26.72M23.93M19.57M8.71M14.77M11.26M10.13M9.91M8.27M23.74M31.76M13.6M4.6M400K1M
Accounts Payable19.01M34.98M21.38M27.2M20.05M18.21M13.12M13.66M13.61M11.22M12.31M11.02M8.54M8.83M7.35M7.74M5.8M3.93M3.87M2.47M3.1M2.8M2.12M2.08M1.98M6.44M8.61M4.7M2.5M0100K
Days Payables Outstanding17.4617.5910.1912.3211.0313.8712.3214.515.7613.4414.7414.7712.4113.4812.0114.4212.229.219.787.229.4610.039.069.8711.5113.8926.829.4396.05-33.18
Short-Term Debt2.55M206.06M201.64M167.23M44.67M1.8M01.27M506K669K101K1.59M1.08M1.54M128K0610K00000000007.8M00100K
Deferred Revenue (Current)335.06M113.25M120.78M120.47M92.49M56.81M0000000013.78M11.93M10.9M7.35M4.63M000000000000
Other Current Liabilities118.31M0000000-278K0-101K000-13.78M8.26M9.25M0002.94M2.44M2.46M1.16M06.13M23.16M1.1M2.1M400K800K
Current Ratio1.37x3.83x3.70x3.89x6.32x8.76x26.62x22.99x24.16x25.05x21.66x21.49x22.84x23.70x26.17x8.93x8.54x8.35x9.31x17.96x10.98x11.76x11.03x9.82x10.79x11.66x7.23x9.31x14.30x53.75x1.50x
Quick Ratio0.74x3.53x3.40x3.55x5.62x7.76x24.92x21.13x22.26x23.13x19.92x19.47x20.75x21.32x23.65x8.09x7.78x7.71x8.62x16.39x10.24x11.05x10.44x9.41x10.36x11.19x6.76x8.63x13.48x53.75x1.50x
Cash Conversion Cycle426.91350.61331.31317.35313.97298.52251.9254.27254.04245.73237.88256.06251.54266.17272.12269.39252.98250.28247.12248.01258238.95232.3226.54267.95291.7630388.27900.82--
Total Non-Current Liabilities986.66M664.47M652.7M592.72M512.93M333.12M342.76M211.46M206.99M175.13M159.94M153.35M135.48M141.77M115.25M61.34M48.36M38.62M43.8M41.16M43.59M29.14M22.53M25.97M67.06M214.35M195.26M99.7M49.9M2.1M8.1M
Long-Term Debt892.16M572.01M553.63M471.37M395.99M225.92M215.12M152.08M151.25M117.94M107.9M102.22M97.03M99.56M77.9M47.54M38.77M29.84M40.34M40.83M43.59M29.14M22.53M25.97M39.79M209.39M191.05M96.2M46M04.9M
Capital Lease Obligations257.26M67M64.25M62.3M61.48M62.89M63.26M839K1.12M0000000000000000000000
Deferred Tax Liabilities91.78M17.47M24.04M47.86M37.84M25.91M15.95M17.83M15.83M21.81M21.02M21.94M17.76M20.6M18.51M13.4M9.19M8.38M3.46M335K000027.27M4.96M0800K1.9M1.7M3.3M
Other Non-Current Liabilities07.98M10.77M-109.27M-74.86M-38.41M12.31M8.75M8.64M7.29M3.68M3.95M3.23M5.23M5.06M400K400K400K001K000004.21M2.7M2M400K-100K
Total Liabilities1.15B1.04B1.01B915.79M677.76M415.26M364.17M231.63M224.65M190.85M177.08M170.37M149.89M155.6M126.07M89.4M75.08M62.55M63.37M49.87M58.36M40.4M32.66M35.88M75.33M238.09M227.02M113.3M54.5M2.5M9.1M
Total Debt952.19M845.07M819.52M700.9M502.14M290.61M278.38M154.19M153.15M118.61M108M103.81M98.12M101.1M78.03M47.54M39.38M29.84M40.34M40.83M43.59M29.14M22.53M25.97M39.79M209.39M191.05M104M46M05M
Net Debt834.28M835.26M814M691.1M495.22M287.72M218.82M152.44M152.13M118.18M107.4M103.02M97.83M100.83M77.75M47.32M39.11M29.67M40.18M40.57M43.33M28.69M21.41M25.18M38.56M207.19M181.21M91.1M39.5M-21.1M4.3M
Debt / Equity1.99x1.48x1.74x1.40x1.05x0.71x0.92x0.59x0.66x0.51x0.47x0.45x0.46x0.50x0.42x0.25x0.22x0.19x0.29x0.33x0.37x0.28x0.27x0.39x0.75x3.25x2.99x1.90x1.22x-0.17x
Debt / EBITDA36.83x8.33x25.20x10.00x3.71x2.01x3.66x2.42x3.54x3.14x4.68x2.04x2.65x1.89x1.41x1.01x0.86x0.89x1.45x3.89x1.47x0.97x0.86x1.11x13.79x------
Net Debt / EBITDA32.27x8.24x25.03x9.86x3.65x1.99x2.87x2.39x3.52x3.13x4.65x2.02x2.64x1.88x1.41x1.01x0.85x0.89x1.45x3.86x1.46x0.95x0.82x1.07x13.36x------
Interest Coverage0.18x1.32x0.39x1.67x12.23x20.84x8.99x8.59x7.95x8.92x6.60x17.20x12.24x18.25x24.10x14.88x19.09x7.99x9.04x2.55x0.01x0.02x0.02x0.01x-------
Total Equity479.42M569.92M471.15M498.95M476.93M406.9M303.16M260.91M230.94M233.41M229.22M229.53M213.41M202.67M184.87M187.01M176.19M157.08M137.22M123.73M119.25M103.27M84.58M65.96M52.81M64.43M63.88M54.8M37.7M35.7M30.2M
Equity Growth %26.98%20.96%-5.57%4.62%17.21%34.22%16.19%12.98%-1.06%1.83%-0.14%7.56%5.3%9.63%-1.14%6.14%12.17%14.47%10.91%3.75%15.48%22.1%28.22%24.89%-18.03%0.86%16.58%45.36%5.6%18.21%68.72%
Book Value per Share57.7874.1973.7575.9869.9058.4543.6536.8931.0328.7826.4525.3722.7221.1818.2016.8714.9113.3011.5210.359.928.567.015.625.185.364.303.632.513.543.17
Total Shareholders' Equity479.42M569.82M471.05M498.85M476.83M406.8M303.06M260.81M230.84M233.31M229.12M229.43M213.31M202.57M184.77M186.91M176.09M156.98M137.22M123.73M119.25M103.27M84.58M65.96M52.81M58.93M58.87M53.1M35.1M35.7M30.2M
Common Stock157K156K137K137K136K136K135K134K131K129K127K127K125K124K124K123K123K122K121K120K119K119K116.37K72.08K69.44K69.8K82.48K100K100K00
Retained Earnings567.32M672.26M654.37M685.8M665.41M564.98M460.88M409.57M361.99M325.52M305.35M293.8M264.35M243.26M211.13M178.19M150.01M123.21M105.31M90.27M86.04M69.34M51.36M35.56M21.48M35.79M29.82M15M-2.5M-2.9M-11.7M
Treasury Stock-298.52M-298.22M-297.79M-297.42M-292.23M-257.53M-246.91M-230.9M-204.32M-162.02M-141.53M-127.32M-107.3M-94.55M-77.24M-37.88M-17.53M-6.67M-5.49M-1.95M-1.5M-186K000000000
Accumulated OCI000-297.42M-292.23M-257.53M-246.91M-230.9M-204.32M-162.02M-141.53M-127.32M-107.3M-94.55M-77.24M000001.5M186K0000001.9M00
Minority Interest100K100K100K100K100K100K100K100K100K100K100K100K100K100K100K100K100K100K00000005.5M5.02M1.7M2.6M00

Key Metrics

Growth RegimeContracting
ProfitabilityNegative
Balance SheetVulnerable
Cash FlowBurning
Top Statement Risk

Subprime credit portfolio deterioration

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2025Q3)

Balance Sheet Erosion Amidst Losses

As reported in recent financial filings, CRMT's equity base has contracted from $569.8 million in 2024Q4 to $479.4 million in 2025Q3, reflecting a deteriorating balance sheet trajectory driven by persistent net losses and the resulting depletion of retained earnings within the company's capital structure.

The consistent decline in equity suggests that the company is struggling to absorb credit losses without impairing its net worth. Investors should monitor whether this downward trend in retained earnings continues, as it may eventually limit the company's capacity to fund future loan originations.

Rising Leverage Amidst Portfolio Growth

Based on the latest quarterly data, CRMT's debt-to-equity ratio has climbed to 1.99 in 2025Q3, up from 1.48 in 2024Q4, indicating that the firm is increasingly relying on external financing to sustain its subprime loan portfolio in a period of significant operational stress.

This increase in leverage appears to be a necessity-driven response to maintain liquidity rather than a strategic capital allocation choice. The reliance on debt to fund a portfolio with rising charge-off risks warrants further investigation into the company's long-term solvency and refinancing flexibility.

Liquidity Buffer Shows Significant Volatility

According to reported financial statements, CRMT's current ratio has fluctuated significantly, dropping from a peak of 6.30 in 2024Q3 to 1.37 in 2025Q3, which suggests a tightening liquidity position as the company consumes cash to manage its underlying credit risk and operational requirements.

The sharp contraction in the current ratio may indicate that the company's liquid assets are failing to keep pace with its short-term obligations. This volatility appears to reflect the capital-intensive nature of the BHPH model and suggests a reduced buffer against potential future shocks.

Hidden Risks in Asset Valuation

As indicated by the provided balance sheet figures, the company's reliance on loan receivables and repossessed inventory creates a non-obvious risk, as the carrying value of these assets may not fully account for the potential severity of losses in a cooling used-vehicle market.

The valuation of these assets is highly sensitive to management's internal estimates regarding future default rates and recovery values. If these assumptions prove overly optimistic, the balance sheet may be susceptible to significant impairment charges that are not currently reflected in the headline equity figures.

CRMT — Frequently Asked Questions

Quick answers to the most common questions about buying CRMT stock.

What are the total assets of America's Car-Mart, Inc. (CRMT)?

As of 2024, America's Car-Mart, Inc. (CRMT) had total assets of $1.61B including $1.42B in current assets.

How much debt does America's Car-Mart, Inc. (CRMT) have?

America's Car-Mart, Inc. (CRMT) carries total debt of $845.1M, offset by $9.8M in cash and short-term investments. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.

What is the book value or shareholders' equity of America's Car-Mart, Inc.?

America's Car-Mart, Inc. (CRMT) has total shareholders' equity (book value) of $569.8M ($74.19 book value per share). Book value represents the net worth of the company belonging to common stock holders.

What is America's Car-Mart, Inc.'s current ratio and liquidity?

America's Car-Mart, Inc. (CRMT) reported a current ratio of 3.83x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.