AMERICA'S CAR-MART INC (CRMT) Fundamental Analysis & Valuation
NASDAQ:CRMT • US03062T1051
15.24 USD
-3.81 (-20%)
At close: Mar 12, 2026
15.85 USD
+0.61 (+4%)
After Hours: 3/12/2026, 5:30:07 PM
This CRMT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
We assign a fundamental rating of 3 out of 10 to CRMT. CRMT was compared to 124 industry peers in the Specialty Retail industry. CRMT has a bad profitability rating. Also its financial health evaluation is rather negative. CRMT has a decent growth rate and is not valued too expensively.
1. CRMT Profitability Analysis
1.1 Basic Checks
- CRMT had positive earnings in the past year.
- CRMT had a negative operating cash flow in the past year.
- Of the past 5 years CRMT 4 years were profitable.
- In the past 5 years CRMT always reported negative operating cash flow.
1.2 Ratios
- CRMT has a Return On Assets (-0.84%) which is comparable to the rest of the industry.
- CRMT's Return On Equity of -2.60% is in line compared to the rest of the industry. CRMT outperforms 50.81% of its industry peers.
- CRMT's Return On Invested Capital of 2.67% is in line compared to the rest of the industry. CRMT outperforms 50.00% 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 13.57%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.84% | ||
| ROE | -2.6% | ||
| ROIC | 2.67% |
ROA(3y)0.14%
ROA(5y)4.28%
ROE(3y)0.19%
ROE(5y)9.25%
ROIC(3y)3.44%
ROIC(5y)7.19%
1.3 Margins
- CRMT's Profit Margin has declined in the last couple of years.
- With a decent Operating Margin value of 3.88%, CRMT is doing good in the industry, outperforming 62.10% of the companies in the same industry.
- CRMT's Operating Margin has declined in the last couple of years.
- CRMT's Gross Margin of 48.08% is fine compared to the rest of the industry. CRMT outperforms 74.19% of its industry peers.
- CRMT's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.88% | ||
| PM (TTM) | N/A | ||
| GM | 48.08% |
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%
2. CRMT Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CRMT is destroying value.
- CRMT has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, CRMT has more shares outstanding
- CRMT has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.62, we must say that CRMT is in the distress zone and has some risk of bankruptcy.
- CRMT has a worse Altman-Z score (1.62) than 60.48% of its industry peers.
- CRMT has a Debt/Equity ratio of 1.61. This is a high value indicating a heavy dependency on external financing.
- CRMT has a Debt to Equity ratio of 1.61. This is in the lower half of the industry: CRMT underperforms 64.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.62 |
ROIC/WACC0.31
WACC8.7%
2.3 Liquidity
- A Current Ratio of 2.10 indicates that CRMT has no problem at all paying its short term obligations.
- CRMT has a Current ratio of 2.10. This is amongst the best in the industry. CRMT outperforms 81.45% of its industry peers.
- A Quick Ratio of 1.31 indicates that CRMT should not have too much problems paying its short term obligations.
- The Quick ratio of CRMT (1.31) is better than 83.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.1 | ||
| Quick Ratio | 1.31 |
3. CRMT Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 108.98% over the past year.
- CRMT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -30.02% yearly.
- CRMT shows a small growth in Revenue. In the last year, the Revenue has grown by 2.07%.
- Measured over the past years, CRMT shows a quite strong growth in Revenue. The Revenue has been growing by 13.31% on average per year.
EPS 1Y (TTM)108.98%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%-229.17%
Revenue 1Y (TTM)2.07%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%0.84%
3.2 Future
- Based on estimates for the next years, CRMT will show a very strong growth in Earnings Per Share. The EPS will grow by 48.67% on average per year.
- CRMT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.09% yearly.
EPS Next Y-115.22%
EPS Next 2Y56.37%
EPS Next 3Y48.67%
EPS Next 5YN/A
Revenue Next Year5.03%
Revenue Next 2Y4.84%
Revenue Next 3Y6.09%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. CRMT Valuation Analysis
4.1 Price/Earnings Ratio
- CRMT is valuated quite expensively with a Price/Earnings ratio of 101.60.
- The rest of the industry has a similar Price/Earnings ratio as CRMT.
- CRMT's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.15.
- With a Price/Forward Earnings ratio of 5.03, the valuation of CRMT can be described as very cheap.
- 96.77% of the companies in the same industry are more expensive than CRMT, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of CRMT to the average of the S&P500 Index (24.27), we can say CRMT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.6 | ||
| Fwd PE | 5.03 |
4.2 Price Multiples
- CRMT's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 15.07 |
4.3 Compensation for Growth
- CRMT's earnings are expected to grow with 48.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y56.37%
EPS Next 3Y48.67%
5. CRMT Dividend Analysis
5.1 Amount
- CRMT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CRMT Fundamentals: All Metrics, Ratios and Statistics
15.24
-3.81 (-20%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)03-12 2026-03-12/bmo
Earnings (Next)N/A N/A
Inst Owners80.11%
Inst Owner Change-6.54%
Ins Owners15.1%
Ins Owner Change-0.05%
Market Cap126.34M
Revenue(TTM)1.39B
Net Income(TTM)-14.45M
Analysts80
Price Target33.66 (120.87%)
Short Float %14.35%
Short Ratio8.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.01
Dividend Growth(5Y)-1.73%
DP-0.14%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-116.99%
Min EPS beat(2)-175.75%
Max EPS beat(2)-58.22%
EPS beat(4)2
Avg EPS beat(4)6.27%
Min EPS beat(4)-175.75%
Max EPS beat(4)229.77%
EPS beat(8)2
Avg EPS beat(8)-54.08%
EPS beat(12)2
Avg EPS beat(12)-102.37%
EPS beat(16)3
Avg EPS beat(16)-82.58%
Revenue beat(2)1
Avg Revenue beat(2)-1.57%
Min Revenue beat(2)-6.84%
Max Revenue beat(2)3.71%
Revenue beat(4)3
Avg Revenue beat(4)2.04%
Min Revenue beat(4)-6.84%
Max Revenue beat(4)8.15%
Revenue beat(8)5
Avg Revenue beat(8)-0.99%
Revenue beat(12)7
Avg Revenue beat(12)-0.17%
Revenue beat(16)11
Avg Revenue beat(16)1.47%
PT rev (1m)0%
PT rev (3m)-7.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1300%
EPS NY rev (1m)0%
EPS NY rev (3m)80.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.6 | ||
| Fwd PE | 5.03 | ||
| P/S | 0.09 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.23 | ||
| P/tB | 0.24 | ||
| EV/EBITDA | 15.07 |
EPS(TTM)0.15
EY0.98%
EPS(NY)3.03
Fwd EY19.89%
FCF(TTM)-1.35
FCFYN/A
OCF(TTM)-1.02
OCFYN/A
SpS167.36
BVpS67
TBVpS64.14
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.84% | ||
| ROE | -2.6% | ||
| ROCE | 3.39% | ||
| ROIC | 2.67% | ||
| ROICexc | 2.89% | ||
| ROICexgc | 2.94% | ||
| OM | 3.88% | ||
| PM (TTM) | N/A | ||
| GM | 48.08% | ||
| FCFM | N/A |
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-Score4
Asset Turnover0.81
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 14.49 | ||
| Cap/Depr | 34.6% | ||
| Cap/Sales | 0.2% | ||
| Interest Coverage | 0.77 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.1 | ||
| Quick Ratio | 1.31 | ||
| Altman-Z | 1.62 |
F-Score4
WACC8.7%
ROIC/WACC0.31
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)108.98%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%-229.17%
EPS Next Y-115.22%
EPS Next 2Y56.37%
EPS Next 3Y48.67%
EPS Next 5YN/A
Revenue 1Y (TTM)2.07%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%0.84%
Revenue Next Year5.03%
Revenue Next 2Y4.84%
Revenue Next 3Y6.09%
Revenue Next 5YN/A
EBIT growth 1Y-20.05%
EBIT growth 3Y-11.16%
EBIT growth 5Y5.33%
EBIT Next Year344.53%
EBIT Next 3Y95.69%
EBIT Next 5YN/A
FCF growth 1Y91.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y92.94%
OCF growth 3YN/A
OCF growth 5YN/A
AMERICA'S CAR-MART INC / CRMT 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 4 / 10 to AMERICA'S CAR-MART INC (CRMT). This can be considered as Fairly Valued.
Can you provide the profitability details for AMERICA'S CAR-MART INC?
AMERICA'S CAR-MART INC (CRMT) has a profitability rating of 3 / 10.
What is the valuation of AMERICA'S CAR-MART INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AMERICA'S CAR-MART INC (CRMT) is 101.6 and the Price/Book (PB) ratio is 0.23.
What is the financial health of AMERICA'S CAR-MART INC (CRMT) stock?
The financial health rating of AMERICA'S CAR-MART INC (CRMT) is 3 / 10.