AMERICA'S CAR-MART INC (CRMT) Stock Fundamental Analysis
USA - NASDAQ:CRMT - US03062T1051 - Common Stock
30.27 USD
-0.42 (-1.37%)
30.27 USD
0 (0%)
CRMT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 122 industry peers in the Specialty Retail industry. There are concerns on the financial health of CRMT while its profitability can be described as average. CRMT has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year CRMT was profitable.
CRMT had a negative operating cash flow in the past year.
CRMT had positive earnings in 4 of the past 5 years.
In the past 5 years CRMT always reported negative operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.82%, CRMT perfoms like the industry average, outperforming 54.10% of the companies in the same industry.
With a Return On Equity value of 2.32%, CRMT perfoms like the industry average, outperforming 56.56% of the companies in the same industry.
CRMT's Return On Invested Capital of 4.57% is in line compared to the rest of the industry. CRMT outperforms 54.92% 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 11.93%.
The 3 year average ROIC (3.44%) for CRMT is below the current ROIC(4.57%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 2.32% | ||
| ROIC | 4.57% |
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 of 0.95% is in line compared to the rest of the industry. CRMT outperforms 55.74% of its industry peers.
CRMT's Profit Margin has declined in the last couple of years.
CRMT has a Operating Margin of 6.23%. This is in the better half of the industry: CRMT outperforms 72.95% 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 48.39%, CRMT is in the better half of the industry, outperforming 76.23% of the companies in the same industry.
In the last couple of years the Gross Margin of CRMT has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.23% | ||
| PM (TTM) | 0.95% | ||
| GM | 48.39% |
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. Health
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 1.79, we must say that CRMT is in the distress zone and has some risk of bankruptcy.
CRMT has a Altman-Z score (1.79) which is in line with its industry peers.
CRMT has a Debt/Equity ratio of 1.38. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.38, CRMT is not doing good in the industry: 63.93% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.38 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.79 |
ROIC/WACC0.49
WACC9.36%
2.3 Liquidity
A Current Ratio of 1.29 indicates that CRMT should not have too much problems paying its short term obligations.
CRMT has a Current ratio of 1.29. This is comparable to the rest of the industry: CRMT outperforms 48.36% of its industry peers.
CRMT has a Quick Ratio of 1.29. This is a bad value and indicates that CRMT is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.44, CRMT is in line with its industry, outperforming 42.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.29 | ||
| Quick Ratio | 0.44 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 112.22% over the past year.
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.
The Revenue has been growing slightly by 0.79% in the past 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)112.22%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%-360%
Revenue 1Y (TTM)0.79%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%-1.85%
3.2 Future
The Earnings Per Share is expected to grow by 59.25% on average over the next years. This is a very strong growth
CRMT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.33% yearly.
EPS Next Y-11.98%
EPS Next 2Y81.79%
EPS Next 3Y59.25%
EPS Next 5YN/A
Revenue Next Year8.96%
Revenue Next 2Y7.01%
Revenue Next 3Y4.33%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 43.24, CRMT can be considered very expensive at the moment.
CRMT's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of CRMT to the average of the S&P500 Index (27.54), we can say CRMT is valued expensively.
A Price/Forward Earnings ratio of 7.39 indicates a rather cheap valuation of CRMT.
CRMT's Price/Forward Earnings ratio is rather cheap when compared to the industry. CRMT is cheaper than 94.26% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.05. CRMT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.24 | ||
| Fwd PE | 7.39 |
4.2 Price Multiples
CRMT's Enterprise Value to EBITDA is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.8 |
4.3 Compensation for Growth
A more expensive valuation may be justified as CRMT's earnings are expected to grow with 59.25% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y81.79%
EPS Next 3Y59.25%
5. Dividend
5.1 Amount
CRMT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
30.27
-0.42 (-1.37%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners87.77%
Inst Owner Change-3.65%
Ins Owners15.1%
Ins Owner Change-14.54%
Market Cap250.64M
Analysts80
Price Target51 (68.48%)
Short Float %11.68%
Short Ratio6.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.01
Dividend Growth(5Y)-1.73%
DP0.3%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-73.22%
Min EPS beat(2)-175.75%
Max EPS beat(2)29.31%
EPS beat(4)2
Avg EPS beat(4)-14.19%
Min EPS beat(4)-175.75%
Max EPS beat(4)229.77%
EPS beat(8)2
Avg EPS beat(8)-126.43%
EPS beat(12)2
Avg EPS beat(12)-104.05%
EPS beat(16)4
Avg EPS beat(16)-78.81%
Revenue beat(2)1
Avg Revenue beat(2)-1.85%
Min Revenue beat(2)-6.84%
Max Revenue beat(2)3.14%
Revenue beat(4)3
Avg Revenue beat(4)1.27%
Min Revenue beat(4)-6.84%
Max Revenue beat(4)8.15%
Revenue beat(8)4
Avg Revenue beat(8)-1.78%
Revenue beat(12)7
Avg Revenue beat(12)-0.02%
Revenue beat(16)11
Avg Revenue beat(16)1.45%
PT rev (1m)-12.79%
PT rev (3m)-4.76%
EPS NQ rev (1m)-63.74%
EPS NQ rev (3m)-51.98%
EPS NY rev (1m)-70.33%
EPS NY rev (3m)-68.59%
Revenue NQ rev (1m)-1.1%
Revenue NQ rev (3m)1.46%
Revenue NY rev (1m)-1.27%
Revenue NY rev (3m)3.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.24 | ||
| Fwd PE | 7.39 | ||
| P/S | 0.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.44 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | 10.8 |
EPS(TTM)0.7
EY2.31%
EPS(NY)4.1
Fwd EY13.54%
FCF(TTM)-5.2
FCFYN/A
OCF(TTM)-4.8
OCFYN/A
SpS167.21
BVpS68.26
TBVpS65.4
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 2.32% | ||
| ROCE | 5.84% | ||
| ROIC | 4.57% | ||
| ROICexc | 4.6% | ||
| ROICexgc | 4.68% | ||
| OM | 6.23% | ||
| PM (TTM) | 0.95% | ||
| GM | 48.39% | ||
| 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%
ROICexcg growth 3Y-20.68%
ROICexcg 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 Turnover0.86
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.38 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 8.31 | ||
| Cap/Depr | 42.56% | ||
| Cap/Sales | 0.24% | ||
| Interest Coverage | 1.22 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.29 | ||
| Quick Ratio | 0.44 | ||
| Altman-Z | 1.79 |
F-Score4
WACC9.36%
ROIC/WACC0.49
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)112.22%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%-360%
EPS Next Y-11.98%
EPS Next 2Y81.79%
EPS Next 3Y59.25%
EPS Next 5YN/A
Revenue 1Y (TTM)0.79%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%-1.85%
Revenue Next Year8.96%
Revenue Next 2Y7.01%
Revenue Next 3Y4.33%
Revenue Next 5YN/A
EBIT growth 1Y272.22%
EBIT growth 3Y-11.16%
EBIT growth 5Y5.33%
EBIT Next Year423.72%
EBIT Next 3Y97.66%
EBIT Next 5YN/A
FCF growth 1Y68.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y67.11%
OCF growth 3YN/A
OCF growth 5YN/A