AMERICA'S CAR-MART INC (CRMT) Stock Fundamental Analysis
NASDAQ:CRMT • US03062T1051
21.68 USD
+0.38 (+1.78%)
Last: Feb 13, 2026, 12:41 PM
We assign a fundamental rating of 3 out of 10 to CRMT. CRMT was compared to 120 industry peers in the Specialty Retail industry. Both the profitability and financial health of CRMT have multiple concerns. CRMT has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- CRMT had positive earnings in the past year.
- 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
- CRMT has a Return On Assets of -0.84%. This is comparable to the rest of the industry: CRMT outperforms 45.00% of its industry peers.
- CRMT has a Return On Equity (-2.60%) which is comparable to the rest of the industry.
- The Return On Invested Capital of CRMT (2.67%) is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for CRMT is significantly below the industry average of 12.31%.
| 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
- In the last couple of years the Profit Margin of CRMT has declined.
- The Operating Margin of CRMT (3.88%) is comparable to the rest of the industry.
- CRMT's Operating Margin has declined in the last couple of years.
- CRMT has a Gross Margin of 48.08%. This is in the better half of the industry: CRMT outperforms 75.00% 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. Health
2.1 Basic Checks
- CRMT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
2.2 Solvency
- Based on the Altman-Z score of 1.63, we must say that CRMT is in the distress zone and has some risk of bankruptcy.
- CRMT has a Altman-Z score of 1.63. This is in the lower half of the industry: CRMT underperforms 60.83% of its industry peers.
- A Debt/Equity ratio of 1.61 is on the high side and indicates that CRMT has dependencies on debt financing.
- CRMT has a worse Debt to Equity ratio (1.61) than 65.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.63 |
ROIC/WACC0.3
WACC8.85%
2.3 Liquidity
- CRMT has a Current Ratio of 2.10. This indicates that CRMT is financially healthy and has no problem in meeting its short term obligations.
- CRMT's Current ratio of 2.10 is fine compared to the rest of the industry. CRMT outperforms 80.00% of its industry peers.
- CRMT has a Quick Ratio of 1.31. This is a normal value and indicates that CRMT is financially healthy and should not expect problems in meeting its short term obligations.
- CRMT has a Quick ratio of 1.31. This is amongst the best in the industry. CRMT outperforms 82.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.1 | ||
| Quick Ratio | 1.31 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 108.98% over the past year.
- The earnings per share for CRMT have been decreasing by -30.02% on average. This is quite bad
- The Revenue has been growing slightly by 2.07% in the past year.
- 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
- The Earnings Per Share is expected to grow by 48.67% 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 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
- 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
- Based on the Price/Earnings ratio of 144.53, the valuation of CRMT can be described as expensive.
- The rest of the industry has a similar Price/Earnings ratio as CRMT.
- When comparing the Price/Earnings ratio of CRMT to the average of the S&P500 Index (27.67), we can say CRMT is valued expensively.
- A Price/Forward Earnings ratio of 7.15 indicates a rather cheap valuation of CRMT.
- Based on the Price/Forward Earnings ratio, CRMT is valued cheaper than 95.83% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 27.69. CRMT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 144.53 | ||
| Fwd PE | 7.15 |
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 | 15.37 |
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. Dividend
5.1 Amount
- No dividends for CRMT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:CRMT (2/13/2026, 12:41:03 PM)
21.68
+0.38 (+1.78%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)12-04 2025-12-04/bmo
Earnings (Next)02-25 2026-02-25/bmo
Inst Owners86.53%
Inst Owner Change-0.74%
Ins Owners15.06%
Ins Owner Change-0.05%
Market Cap179.51M
Revenue(TTM)1.39B
Net Income(TTM)-14.45M
Analysts80
Price Target33.66 (55.26%)
Short Float %14.31%
Short Ratio6.47
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)-7.04%
PT rev (3m)-16.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-67.69%
EPS NY rev (1m)0%
EPS NY rev (3m)-117.29%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)-1.55%
Revenue NY rev (1m)-0.42%
Revenue NY rev (3m)-1.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 144.53 | ||
| Fwd PE | 7.15 | ||
| P/S | 0.13 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.32 | ||
| P/tB | 0.34 | ||
| EV/EBITDA | 15.37 |
EPS(TTM)0.15
EY0.69%
EPS(NY)3.03
Fwd EY13.99%
FCF(TTM)-1.35
FCFYN/A
OCF(TTM)-1.02
OCFYN/A
SpS167.56
BVpS67.08
TBVpS64.22
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.05
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 | 1.63 |
F-Score4
WACC8.85%
ROIC/WACC0.3
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 144.53 and the Price/Book (PB) ratio is 0.32.
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.