AMERICA'S CAR-MART INC (CRMT) Fundamental Analysis & Valuation

NASDAQ:CRMT • US03062T1051

Current stock price

12.05 USD
-0.16 (-1.31%)
Last:

This CRMT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CRMT Profitability Analysis

1.1 Basic Checks

  • CRMT had negative earnings in the past year.
  • In the past year CRMT had a positive cash flow from operations.
  • Of the past 5 years CRMT 4 years were profitable.
  • In the past 5 years CRMT always reported negative operating cash flow.
CRMT Yearly Net Income VS EBIT VS OCF VS FCFCRMT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M

1.2 Ratios

  • With a Return On Assets value of -5.80%, CRMT is not doing good in the industry: 69.11% of the companies in the same industry are doing better.
  • CRMT has a Return On Equity (-19.66%) which is in line with its industry peers.
  • The Return On Invested Capital of CRMT (0.91%) is worse than 60.16% of its industry peers.
  • CRMT had an Average Return On Invested Capital over the past 3 years of 3.44%. This is significantly below the industry average of 13.24%.
Industry RankSector Rank
ROA -5.8%
ROE -19.66%
ROIC 0.91%
ROA(3y)0.14%
ROA(5y)4.28%
ROE(3y)0.19%
ROE(5y)9.25%
ROIC(3y)3.44%
ROIC(5y)7.19%
CRMT Yearly ROA, ROE, ROICCRMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

1.3 Margins

  • CRMT's Profit Margin has declined in the last couple of years.
  • CRMT has a Operating Margin (1.31%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of CRMT has declined.
  • CRMT has a Gross Margin of 48.54%. This is in the better half of the industry: CRMT outperforms 75.61% of its industry peers.
  • CRMT's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 1.31%
PM (TTM) N/A
GM 48.54%
OM growth 3Y-15.53%
OM growth 5Y-7.04%
PM growth 3Y-45.5%
PM growth 5Y-28.51%
GM growth 3Y2.42%
GM growth 5Y-0.01%
CRMT Yearly Profit, Operating, Gross MarginsCRMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30 40

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3

2. CRMT Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CRMT is destroying value.
  • Compared to 1 year ago, CRMT has more shares outstanding
  • The number of shares outstanding for CRMT has been increased compared to 5 years ago.
  • CRMT has a better debt/assets ratio than last year.
CRMT Yearly Shares OutstandingCRMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
CRMT Yearly Total Debt VS Total AssetsCRMT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • CRMT has an Altman-Z score of 1.52. This is a bad value and indicates that CRMT is not financially healthy and even has some risk of bankruptcy.
  • CRMT has a Altman-Z score of 1.52. This is in the lower half of the industry: CRMT underperforms 65.85% of its industry peers.
  • CRMT has a debt to FCF ratio of 63.19. This is a negative value and a sign of low solvency as CRMT would need 63.19 years to pay back of all of its debts.
  • The Debt to FCF ratio of CRMT (63.19) is worse than 60.16% of its industry peers.
  • A Debt/Equity ratio of 1.86 is on the high side and indicates that CRMT has dependencies on debt financing.
  • The Debt to Equity ratio of CRMT (1.86) is worse than 68.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.86
Debt/FCF 63.19
Altman-Z 1.52
ROIC/WACC0.11
WACC8.28%
CRMT Yearly LT Debt VS Equity VS FCFCRMT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 2.49 indicates that CRMT has no problem at all paying its short term obligations.
  • CRMT's Current ratio of 2.49 is amongst the best of the industry. CRMT outperforms 85.37% of its industry peers.
  • A Quick Ratio of 1.54 indicates that CRMT should not have too much problems paying its short term obligations.
  • With an excellent Quick ratio value of 1.54, CRMT belongs to the best of the industry, outperforming 83.74% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.49
Quick Ratio 1.54
CRMT Yearly Current Assets VS Current LiabilitesCRMT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CRMT Growth Analysis

3.1 Past

  • CRMT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -4475.00%.
  • Measured over the past years, CRMT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -30.02% on average per year.
  • Looking at the last year, CRMT shows a decrease in Revenue. The Revenue has decreased by -2.67% in the last year.
  • CRMT shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.31% yearly.
EPS 1Y (TTM)-4475%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%-513.51%
Revenue 1Y (TTM)-2.67%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%-11.95%

3.2 Future

  • Based on estimates for the next years, CRMT will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.85% on average per year.
  • Based on estimates for the next years, CRMT will show a small growth in Revenue. The Revenue will grow by 2.57% on average per year.
EPS Next Y-459.47%
EPS Next 2Y-71.04%
EPS Next 3Y17.85%
EPS Next 5YN/A
Revenue Next Year-2.29%
Revenue Next 2Y1.25%
Revenue Next 3Y2.57%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CRMT Yearly Revenue VS EstimatesCRMT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B
CRMT Yearly EPS VS EstimatesCRMT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 5 10

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2

4. CRMT Valuation Analysis

4.1 Price/Earnings Ratio

  • CRMT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Also next year CRMT is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CRMT Price Earnings VS Forward Price EarningsCRMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CRMT indicates a slightly more expensive valuation: CRMT is more expensive than 65.85% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, CRMT is valued cheaply inside the industry as 86.18% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.08
EV/EBITDA 33.87
CRMT Per share dataCRMT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100 150

4.3 Compensation for Growth

  • A more expensive valuation may be justified as CRMT's earnings are expected to grow with 17.85% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-71.04%
EPS Next 3Y17.85%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CRMT Dividend Analysis

5.1 Amount

  • CRMT does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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CRMT Fundamentals: All Metrics, Ratios and Statistics

AMERICA'S CAR-MART INC

NASDAQ:CRMT (5/1/2026, 10:17:38 AM)

12.05

-0.16 (-1.31%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Industry Strength40.37
Industry Growth55.28
Earnings (Last)03-12
Earnings (Next)06-10
Inst Owners80.46%
Inst Owner Change0.41%
Ins Owners15.08%
Ins Owner Change-8.61%
Market Cap100.02M
Revenue(TTM)1.35B
Net Income(TTM)-94.32M
Analysts80
Price Target20.4 (69.29%)
Short Float %19.49%
Short Ratio9.06
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.01
Dividend Growth(5Y)-1.73%
DP-0.04%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-251.84%
Min EPS beat(2)-445.45%
Max EPS beat(2)-58.22%
EPS beat(4)1
Avg EPS beat(4)-162.53%
Min EPS beat(4)-445.45%
Max EPS beat(4)29.31%
EPS beat(8)2
Avg EPS beat(8)-97%
EPS beat(12)2
Avg EPS beat(12)-134.97%
EPS beat(16)3
Avg EPS beat(16)-110.18%
Revenue beat(2)1
Avg Revenue beat(2)-5.79%
Min Revenue beat(2)-15.29%
Max Revenue beat(2)3.71%
Revenue beat(4)2
Avg Revenue beat(4)-3.82%
Min Revenue beat(4)-15.29%
Max Revenue beat(4)3.71%
Revenue beat(8)5
Avg Revenue beat(8)-0.87%
Revenue beat(12)7
Avg Revenue beat(12)-1.29%
Revenue beat(16)10
Avg Revenue beat(16)0.34%
PT rev (1m)-39.39%
PT rev (3m)-39.39%
EPS NQ rev (1m)-2540%
EPS NQ rev (3m)-318.18%
EPS NY rev (1m)-2262.16%
EPS NY rev (3m)-2262.16%
Revenue NQ rev (1m)-7.29%
Revenue NQ rev (3m)-15.01%
Revenue NY rev (1m)-2.65%
Revenue NY rev (3m)-6.98%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.07
P/FCF 7.08
P/OCF 6.08
P/B 0.21
P/tB 0.22
EV/EBITDA 33.87
EPS(TTM)-1.75
EYN/A
EPS(NY)-1.15
Fwd EYN/A
FCF(TTM)1.7
FCFY14.12%
OCF(TTM)1.98
OCFY16.44%
SpS162.47
BVpS57.8
TBVpS55.05
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -5.8%
ROE -19.66%
ROCE 1.16%
ROIC 0.91%
ROICexc 0.99%
ROICexgc 1.01%
OM 1.31%
PM (TTM) N/A
GM 48.54%
FCFM 1.05%
ROA(3y)0.14%
ROA(5y)4.28%
ROE(3y)0.19%
ROE(5y)9.25%
ROIC(3y)3.44%
ROIC(5y)7.19%
ROICexc(3y)3.46%
ROICexc(5y)7.23%
ROICexgc(3y)3.51%
ROICexgc(5y)7.31%
ROCE(3y)4.38%
ROCE(5y)9.16%
ROICexgc growth 3Y-20.68%
ROICexgc growth 5Y-14.67%
ROICexc growth 3Y-20.88%
ROICexc growth 5Y-14.71%
OM growth 3Y-15.53%
OM growth 5Y-7.04%
PM growth 3Y-45.5%
PM growth 5Y-28.51%
GM growth 3Y2.42%
GM growth 5Y-0.01%
F-Score5
Asset Turnover0.83
Health
Industry RankSector Rank
Debt/Equity 1.86
Debt/FCF 63.19
Debt/EBITDA 34.51
Cap/Depr 28.22%
Cap/Sales 0.17%
Interest Coverage 0.24
Cash Conversion 63.59%
Profit Quality N/A
Current Ratio 2.49
Quick Ratio 1.54
Altman-Z 1.52
F-Score5
WACC8.28%
ROIC/WACC0.11
Cap/Depr(3y)178.38%
Cap/Depr(5y)233.56%
Cap/Sales(3y)0.76%
Cap/Sales(5y)0.92%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4475%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%-513.51%
EPS Next Y-459.47%
EPS Next 2Y-71.04%
EPS Next 3Y17.85%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.67%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%-11.95%
Revenue Next Year-2.29%
Revenue Next 2Y1.25%
Revenue Next 3Y2.57%
Revenue Next 5YN/A
EBIT growth 1Y-78.54%
EBIT growth 3Y-11.16%
EBIT growth 5Y5.33%
EBIT Next Year-1.7%
EBIT Next 3Y89.52%
EBIT Next 5YN/A
FCF growth 1Y117.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y121.76%
OCF growth 3YN/A
OCF growth 5YN/A

AMERICA'S CAR-MART INC / CRMT Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for AMERICA'S CAR-MART INC?

ChartMill assigns a fundamental rating of 3 / 10 to CRMT.


What is the valuation status for CRMT stock?

ChartMill assigns a valuation rating of 2 / 10 to AMERICA'S CAR-MART INC (CRMT). This can be considered as Overvalued.


How profitable is AMERICA'S CAR-MART INC (CRMT) stock?

AMERICA'S CAR-MART INC (CRMT) has a profitability rating of 2 / 10.


How sustainable is the dividend of AMERICA'S CAR-MART INC (CRMT) stock?

The dividend rating of AMERICA'S CAR-MART INC (CRMT) is 0 / 10 and the dividend payout ratio is -0.04%.