AMERICA'S CAR-MART INC (CRMT) Stock Fundamental Analysis
USA - NASDAQ:CRMT - US03062T1051 - Common Stock
26.79 USD
+1.92 (+7.72%)
CRMT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 119 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CRMT was profitable.
CRMT had a negative operating cash flow in the past year.
Of the past 5 years CRMT 4 years were profitable.
CRMT had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of CRMT (0.82%) is comparable to the rest of the industry.
The Return On Equity of CRMT (2.32%) is comparable to the rest of the industry.
CRMT has a Return On Invested Capital (4.57%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CRMT is significantly below the industry average of 12.29%.
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 54.62% of its industry peers.
CRMT's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 6.23%, CRMT is doing good in the industry, outperforming 72.27% of the companies in the same industry.
CRMT's Operating Margin has declined in the last couple of years.
The Gross Margin of CRMT (48.39%) is better than 76.47% of its industry peers.
CRMT's Gross Margin has been stable in the last couple of years.
| 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
Compared to 1 year ago, CRMT has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.77, we must say that CRMT is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.77, CRMT perfoms like the industry average, outperforming 40.34% of the companies in the same industry.
A Debt/Equity ratio of 1.38 is on the high side and indicates that CRMT has dependencies on debt financing.
CRMT has a worse Debt to Equity ratio (1.38) than 63.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.38 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.77 |
ROIC/WACC0.51
WACC9.02%
2.3 Liquidity
CRMT has a Current Ratio of 1.29. This is a normal value and indicates that CRMT is financially healthy and should not expect problems in meeting its short term obligations.
CRMT's Current ratio of 1.29 is in line compared to the rest of the industry. CRMT outperforms 49.58% of its industry peers.
A Quick Ratio of 0.44 indicates that CRMT may have some problems paying its short term obligations.
CRMT's Quick ratio of 0.44 is in line compared to the rest of the industry. CRMT outperforms 43.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.29 | ||
| Quick Ratio | 0.44 |
3. Growth
3.1 Past
CRMT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 112.22%, which is quite impressive.
CRMT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -30.02% yearly.
Looking at the last year, CRMT shows a small growth in Revenue. The Revenue has grown by 0.79% 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)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
Based on estimates for the next years, CRMT will show a very strong growth in Earnings Per Share. The EPS will grow by 59.25% on average per year.
Based on estimates for the next years, CRMT will show a small growth in Revenue. The Revenue will grow by 4.33% on average per year.
EPS Next Y-11.98%
EPS Next 2Y81.79%
EPS Next 3Y59.25%
EPS Next 5YN/A
Revenue Next Year6.14%
Revenue Next 2Y5.93%
Revenue Next 3Y4.33%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 38.27, which means the current valuation is very expensive for CRMT.
The rest of the industry has a similar Price/Earnings ratio as CRMT.
CRMT's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.42.
The Price/Forward Earnings ratio is 6.54, which indicates a rather cheap valuation of CRMT.
Based on the Price/Forward Earnings ratio, CRMT is valued cheaper than 96.64% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CRMT to the average of the S&P500 Index (22.94), we can say CRMT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.27 | ||
| Fwd PE | 6.54 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CRMT is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.32 |
4.3 Compensation for Growth
CRMT's earnings are expected to grow with 59.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y81.79%
EPS Next 3Y59.25%
5. Dividend
5.1 Amount
No dividends for CRMT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:CRMT (10/20/2025, 2:49:36 PM)
26.79
+1.92 (+7.72%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners87.77%
Inst Owner Change-0.11%
Ins Owners15.1%
Ins Owner Change-14.82%
Market Cap221.82M
Analysts80
Price Target40.29 (50.39%)
Short Float %13.3%
Short Ratio6.05
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)-21%
PT rev (3m)-24.76%
EPS NQ rev (1m)-26.25%
EPS NQ rev (3m)-73.25%
EPS NY rev (1m)-70.33%
EPS NY rev (3m)-70.33%
Revenue NQ rev (1m)-3.63%
Revenue NQ rev (3m)-4.69%
Revenue NY rev (1m)-2.58%
Revenue NY rev (3m)-3.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.27 | ||
| Fwd PE | 6.54 | ||
| P/S | 0.16 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.39 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | 10.32 |
EPS(TTM)0.7
EY2.61%
EPS(NY)4.1
Fwd EY15.3%
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 | 1.77 |
F-Score4
WACC9.02%
ROIC/WACC0.51
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 Year6.14%
Revenue Next 2Y5.93%
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