AMERICA'S CAR-MART INC (CRMT)
US03062T1051 - Common Stock
Taking everything into account, CRMT scores 2 out of 10 in our fundamental rating. CRMT was compared to 126 industry peers in the Specialty Retail industry. CRMT has a bad profitability rating. Also its financial health evaluation is rather negative. CRMT is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CRMT has reported negative net income.
In the past year CRMT has reported a negative cash flow from operations.
In the past 5 years CRMT has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: CRMT reported negative operating cash flow in multiple years.
1.2 Ratios
CRMT has a Return On Assets (-2.03%) which is in line with its industry peers.
CRMT has a Return On Equity of -6.33%. This is comparable to the rest of the industry: CRMT outperforms 48.41% of its industry peers.
The Return On Invested Capital of CRMT (1.29%) is comparable to the rest of the industry.
CRMT had an Average Return On Invested Capital over the past 3 years of 9.79%. This is below the industry average of 13.97%.
The 3 year average ROIC (9.79%) for CRMT is well above the current ROIC(1.29%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.03% | ||
| ROE | -6.33% | ||
| ROIC | 1.29% |
ROA(3y)7.47%
ROA(5y)7.95%
ROE(3y)16.59%
ROE(5y)16.99%
ROIC(3y)9.79%
ROIC(5y)10.12%
1.3 Margins
In the last couple of years the Profit Margin of CRMT has declined.
CRMT has a Operating Margin of 1.58%. This is comparable to the rest of the industry: CRMT outperforms 50.00% of its industry peers.
In the last couple of years the Operating Margin of CRMT has declined.
Looking at the Gross Margin, with a value of 44.67%, CRMT is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
CRMT's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.58% | ||
| PM (TTM) | N/A | ||
| GM | 44.67% |
OM growth 3Y-22.11%
OM growth 5Y-8.83%
PM growth 3Y-40.5%
PM growth 5Y-24.62%
GM growth 3Y-3.74%
GM growth 5Y-2.53%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CRMT is creating some value.
CRMT has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for CRMT has been reduced compared to 5 years ago.
Compared to 1 year ago, CRMT has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 1.90 indicates that CRMT is not a great score, but indicates only limited risk for bankruptcy at the moment.
CRMT has a Altman-Z score of 1.90. This is in the lower half of the industry: CRMT underperforms 61.11% of its industry peers.
CRMT has a Debt/Equity ratio of 1.58. This is a high value indicating a heavy dependency on external financing.
CRMT has a worse Debt to Equity ratio (1.58) than 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.9 |
ROIC/WACC0.14
WACC8.9%
2.3 Liquidity
A Current Ratio of 1.41 indicates that CRMT should not have too much problems paying its short term obligations.
CRMT has a Current ratio (1.41) which is in line with its industry peers.
A Quick Ratio of 0.40 indicates that CRMT may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.40, CRMT is doing worse than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.41 | ||
| Quick Ratio | 0.4 |
3. Growth
3.1 Past
The earnings per share for CRMT have decreased strongly by -169.79% in the last year.
The Earnings Per Share has been decreasing by -4.02% on average over the past years.
Looking at the last year, CRMT shows a small growth in Revenue. The Revenue has grown by 3.98% in the last year.
The Revenue has been growing by 18.08% on average over the past years. This is quite good.
EPS 1Y (TTM)-169.79%
EPS 3Y-25.71%
EPS 5Y-4.02%
EPS growth Q2Q-682.61%
Revenue 1Y (TTM)3.98%
Revenue growth 3Y23.59%
Revenue growth 5Y18.08%
Revenue growth Q2Q-8.23%
3.2 Future
The Earnings Per Share is expected to grow by 26.34% on average over the next years. This is a very strong growth
Based on estimates for the next years, CRMT will show a small growth in Revenue. The Revenue will grow by 1.63% on average per year.
EPS Next Y-256.37%
EPS Next 2Y1.16%
EPS Next 3Y26.34%
EPS Next 5YN/A
Revenue Next Year4.76%
Revenue Next 2Y0.98%
Revenue Next 3Y1.63%
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.
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. Valuation
4.1 Price/Earnings Ratio
CRMT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 18.88, CRMT is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CRMT indicates a somewhat cheap valuation: CRMT is cheaper than 61.90% of the companies listed in the same industry.
CRMT's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 20.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 18.88 |
4.2 Price Multiples
63.49% of the companies in the same industry are cheaper than CRMT, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 38.18 |
4.3 Compensation for Growth
CRMT's earnings are expected to grow with 26.34% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1.16%
EPS Next 3Y26.34%
5. Dividend
5.1 Amount
CRMT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMERICA'S CAR-MART INC
NASDAQ:CRMT (5/2/2024, 7:00:00 PM)
After market: 58.55 0 (0%)58.55
+0.3 (+0.52%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap374.13M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(16)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 18.88 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.03% | ||
| ROE | -6.33% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 1.58% | ||
| PM (TTM) | N/A | ||
| GM | 44.67% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.97
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.41 | ||
| Quick Ratio | 0.4 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-169.79%
EPS 3Y-25.71%
EPS 5Y
EPS growth Q2Q
EPS Next Y-256.37%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.98%
Revenue growth 3Y23.59%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
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