America's Car-Mart, Inc. (CRMT) Financial Ratios
30 years of historical data (1995–2024) · Consumer Cyclical · Auto - Dealerships
EV/EBITDA
↑
9.30
↓-44% vs avg
5yr avg: 16.49
30Y Low6.1·High44.9
P/FCF
N/A
—
5yr avg: N/A
30Y Low0.4·High181.2
P/B Ratio
↓
0.17
↓-86% vs avg
5yr avg: 1.24
30Y Low0.4·High2.7
ROE
↓
3.4%
↑-67% vs avg
5yr avg: 10.4%
30Y Low-24%·High51%
Debt/EBITDA
↑
8.33
↓-15% vs avg
5yr avg: 9.85
30Y Low0.9·High25.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CRMT Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
America's Car-Mart, Inc. trades at 5.5x earnings, 64% below its 5-year average of 15.5x, sitting at the 18th percentile of its historical range. Compared to the Consumer Cyclical sector median P/E of 19.6x, the stock trades at a discount of 72%.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $107M | $364M | $366M | $528M | $552M | $1.1B | $458M | $700M | $397M | $303M | $230M |
| Enterprise Value | $943M | $1.2B | $1.2B | $1.2B | $1.0B | $1.3B | $677M | $853M | $549M | $421M | $338M |
| P/E Ratio → | 5.55 | 20.35 | — | 25.85 | 5.81 | 10.09 | 8.92 | 14.72 | 10.86 | 14.98 | 19.98 |
| P/S Ratio | 0.08 | 0.26 | 0.26 | 0.38 | 0.46 | 1.14 | 0.62 | 1.05 | 0.65 | 0.51 | 0.41 |
| P/B Ratio | 0.17 | 0.64 | 0.78 | 1.06 | 1.16 | 2.58 | 1.51 | 2.68 | 1.72 | 1.30 | 1.00 |
| P/FCF | — | — | — | — | — | — | 29.56 | 33.56 | 51.27 | 52.64 | 23.59 |
| P/OCF | — | — | — | — | — | — | 21.90 | 28.13 | 39.69 | 41.25 | 16.12 |
P/E links to full P/E history page with 30-year chart
CRMT EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
America's Car-Mart, Inc.'s enterprise value stands at 9.3x EBITDA, 44% below its 5-year average of 16.5x. The Consumer Cyclical sector median is 11.4x, placing the stock at a 18% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.86 | 0.85 | 0.87 | 0.86 | 1.46 | 0.91 | 1.27 | 0.90 | 0.72 | 0.59 |
| EV / EBITDA | 9.30 | 11.83 | 36.27 | 17.40 | 7.73 | 9.23 | 8.89 | 13.38 | 12.69 | 11.15 | 14.63 |
| EV / EBIT | 10.05 | 12.84 | 46.79 | 19.02 | 7.84 | 9.41 | 9.35 | 12.59 | 12.33 | 11.59 | 15.49 |
| EV / FCF | — | — | — | — | — | — | 43.68 | 40.86 | 70.94 | 73.21 | 34.60 |
CRMT Profitability
Margins and return-on-capital ratios measuring operating efficiency
America's Car-Mart, Inc. earns an operating margin of 6.7%, above the Consumer Cyclical sector average of 2.9%. Operating margins have expanded from 4.6% to 6.7% over the past 3 years, signaling improving operational efficiency. ROE of 3.4% is modest, trailing the sector median of 5.6%. ROIC of 5.2% represents adequate returns on invested capital versus a sector median of 5.8%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 47.8% | 47.8% | 45.1% | 42.7% | 45.3% | 47.8% | 47.8% | 48.6% | 48.5% | 48.1% | 46.3% |
| Operating Margin | 6.7% | 6.7% | 1.8% | 4.6% | 10.8% | 15.4% | 9.7% | 8.9% | 6.4% | 5.7% | 3.3% |
| Net Profit Margin | 1.3% | 1.3% | -2.3% | 1.5% | 7.8% | 11.4% | 6.9% | 7.1% | 6.0% | 3.4% | 2.0% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 3.4% | 3.4% | -6.5% | 4.2% | 21.5% | 29.5% | 18.2% | 19.4% | 15.7% | 8.7% | 5.1% |
| ROA | 1.2% | 1.2% | -2.2% | 1.6% | 9.6% | 14.1% | 8.9% | 10.0% | 8.3% | 4.9% | 2.9% |
| ROIC | 5.2% | 5.2% | 1.6% | 4.5% | 11.8% | 17.4% | 11.6% | 11.3% | 8.0% | 7.3% | 4.2% |
| ROCE | 8.0% | 8.0% | 2.3% | 6.2% | 15.2% | 20.4% | 12.9% | 13.1% | 9.2% | 8.4% | 4.9% |
CRMT Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
America's Car-Mart, Inc. carries a Debt/EBITDA ratio of 8.3x, which is highly leveraged (92% above the sector average of 4.3x). Net debt stands at $835M ($845M total debt minus $10M cash). Interest coverage of just 1.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.48 | 1.48 | 1.74 | 1.40 | 1.05 | 0.71 | 0.92 | 0.59 | 0.66 | 0.51 | 0.47 |
| Debt / EBITDA | 8.33 | 8.33 | 25.20 | 10.00 | 3.71 | 2.01 | 3.66 | 2.42 | 3.54 | 3.14 | 4.68 |
| Net Debt / Equity | — | 1.47 | 1.73 | 1.39 | 1.04 | 0.71 | 0.72 | 0.58 | 0.66 | 0.51 | 0.47 |
| Net Debt / EBITDA | 8.24 | 8.24 | 25.03 | 9.86 | 3.65 | 1.99 | 2.87 | 2.39 | 3.52 | 3.13 | 4.65 |
| Debt / FCF | — | — | — | — | — | — | 14.12 | 7.30 | 19.67 | 20.56 | 11.00 |
| Interest Coverage | 1.33 | 1.33 | 0.39 | 1.68 | 12.04 | 20.71 | 8.98 | 7.58 | 6.96 | 8.22 | 5.71 |
CRMT Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
America's Car-Mart, Inc.'s current ratio of 3.83x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The quick ratio of 3.53x is notably lower than the current ratio, indicating a significant portion of current assets is tied up in inventory. The current ratio has declined from 3.89x to 3.83x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 3.83 | 3.83 | 3.70 | 3.89 | 6.32 | 8.76 | 26.62 | 22.99 | 24.16 | 25.05 | 21.66 |
| Quick Ratio | 3.53 | 3.53 | 3.40 | 3.55 | 5.62 | 7.76 | 24.92 | 21.13 | 22.26 | 23.13 | 19.92 |
| Cash Ratio | 0.03 | 0.03 | 0.02 | 0.03 | 0.04 | 0.04 | 2.78 | 0.09 | 0.06 | 0.03 | 0.04 |
| Asset Turnover | — | 0.87 | 0.94 | 0.99 | 1.05 | 1.12 | 1.12 | 1.36 | 1.34 | 1.39 | 1.40 |
| Inventory Turnover | 6.47 | 6.47 | 7.12 | 7.37 | 5.76 | 5.82 | 10.67 | 9.17 | 9.38 | 10.12 | 10.20 |
| Days Sales Outstanding | — | 311.78 | 290.26 | 280.17 | 261.59 | 249.72 | 230.02 | 228.99 | 230.89 | 223.10 | 216.85 |
CRMT Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
America's Car-Mart, Inc. returns 0.4% to shareholders annually — split between a 0.0% dividend yield and 0.4% buyback yield. The payout ratio of 0.2% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 18.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Payout Ratio | 0.2% | 0.2% | — | 0.2% | 0.0% | 0.0% | 0.1% | 0.1% | 0.1% | 0.2% | 0.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 18.0% | 4.9% | — | 3.9% | 17.2% | 9.9% | 11.2% | 6.8% | 9.2% | 6.7% | 5.0% |
| FCF Yield | — | — | — | — | — | — | 3.4% | 3.0% | 2.0% | 1.9% | 4.2% |
| Buyback Yield | 0.4% | 0.1% | 0.1% | 1.0% | 6.3% | 1.0% | 3.5% | 3.8% | 10.7% | 6.8% | 6.2% |
| Total Shareholder Yield | 0.4% | 0.1% | 0.1% | 1.0% | 6.3% | 1.0% | 3.5% | 3.8% | 10.7% | 6.8% | 6.2% |
| Shares Outstanding | — | $8M | $6M | $7M | $7M | $7M | $7M | $7M | $7M | $8M | $9M |
Peer Comparison
Compare CRMT with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CRMTYou | $107M | 5.5 | 9.3 | — | 47.8% | 6.7% | 3.4% | 5.2% | 8.3 |
 DRVN | $2B | -7.3 | 125.0 | — | 52.4% | -6.0% | -38.6% | -2.2% | 83.0 |
 AN | $7B | 12.0 | 10.8 | — | 17.0% | 4.8% | 27.1% | 8.5% | 6.4 |
 LAD | $7B | 9.0 | 11.4 | 34.4 | 15.2% | 3.8% | 12.3% | 5.2% | 8.0 |
 KMX | $6B | 12.3 | 22.5 | 36.0 | 11.4% | 2.8% | 8.1% | 2.4% | 17.6 |
 SAH | $3B | 23.1 | 9.8 | 6.4 | 14.6% | 3.6% | 11.1% | 7.8% | 6.0 |
 ABG | $4B | 7.9 | 9.3 | 6.6 | 16.6% | 5.6% | 13.3% | 8.0% | 5.8 |
 CVNA | $84B | 46.1 | 38.4 | 95.0 | 20.6% | 9.3% | 50.4% | 34.3% | 0.3 |
 VRM | $62M | -0.1 | — | — | 100.0% | -1092.2% | -362.1% | -10.0% | — |
 PAG | $11B | 12.0 | 13.7 | 15.1 | 16.4% | 4.0% | 17.3% | 6.9% | 6.1 |
 GPI | $4B | 13.7 | 9.3 | 9.6 | 15.5% | 4.2% | 11.2% | 8.5% | 5.5 |
| Consumer Cyclical Median | — | 19.6 | 11.4 | 14.9 | 37.2% | 2.9% | 5.6% | 5.8% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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Start ComparisonCRMT — Frequently Asked Questions
Quick answers to the most common questions about buying CRMT stock.
What is America's Car-Mart, Inc.'s P/E ratio?
America's Car-Mart, Inc.'s current P/E ratio is 5.5x. The historical average is 15.8x. This places it at the 18th percentile of its historical range.
What is America's Car-Mart, Inc.'s EV/EBITDA?
America's Car-Mart, Inc.'s current EV/EBITDA is 9.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.0x.
What is America's Car-Mart, Inc.'s ROE?
America's Car-Mart, Inc.'s return on equity (ROE) is 3.4%. The historical average is 14.7%.
Is CRMT stock overvalued?
Based on historical data, America's Car-Mart, Inc. is trading at a P/E of 5.5x. This is at the 18th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is America's Car-Mart, Inc.'s dividend yield?
America's Car-Mart, Inc.'s current dividend yield is 0.04% with a payout ratio of 0.2%.
What are America's Car-Mart, Inc.'s profit margins?
America's Car-Mart, Inc. has 47.8% gross margin and 6.7% operating margin.
How much debt does America's Car-Mart, Inc. have?
America's Car-Mart, Inc.'s Debt/EBITDA ratio is 8.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.