20.23 USD
+1.85 (+10.07%)
20.23 USD
0 (0%)
Taking everything into account, CRMT scores 3 out of 10 in our fundamental rating. CRMT was compared to 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
CRMT had positive earnings in the past year.
In the past year CRMT has reported a negative cash flow from operations.
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
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.
Looking at the Return On Equity, with a value of 2.32%, CRMT is in line with its industry, outperforming 56.56% of the companies in the same industry.
The Return On Invested Capital of CRMT (4.57%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for CRMT is significantly below the industry average of 11.69%.
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 has a Profit Margin of 0.95%. This is comparable to the rest of the industry: CRMT outperforms 54.92% of its industry peers.
CRMT's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 6.23%, CRMT is in the better half of the industry, outperforming 72.13% of the companies in the same industry.
CRMT's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 48.39%, CRMT is doing good in the industry, outperforming 76.23% of the companies in the same industry.
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.
The number of shares outstanding for CRMT has been increased compared to 1 year ago.
CRMT has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CRMT has an improved debt to assets ratio.
2.2 Solvency
CRMT has an Altman-Z score of 1.73. This is a bad value and indicates that CRMT is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.73, CRMT is in line with its industry, outperforming 43.44% of the companies in the same industry.
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: 61.48% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.38 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.73 |
ROIC/WACC0.52
WACC8.76%
2.3 Liquidity
A Current Ratio of 1.29 indicates that CRMT should not have too much problems paying its short term obligations.
With a Current ratio value of 1.29, CRMT perfoms like the industry average, outperforming 48.36% of the companies in the same industry.
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.
The Quick ratio of CRMT (0.44) is comparable to the rest of the industry.
| 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
CRMT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 63.72% yearly.
CRMT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.31% yearly.
EPS Next Y-11.78%
EPS Next 2Y81.79%
EPS Next 3Y63.72%
EPS Next 5YN/A
Revenue Next Year6.14%
Revenue Next 2Y5.93%
Revenue Next 3Y6.31%
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
Based on the Price/Earnings ratio of 28.90, the valuation of CRMT can be described as expensive.
The rest of the industry has a similar Price/Earnings ratio as CRMT.
Compared to an average S&P500 Price/Earnings ratio of 25.45, CRMT is valued at the same level.
With a Price/Forward Earnings ratio of 4.94, the valuation of CRMT can be described as very cheap.
Based on the Price/Forward Earnings ratio, CRMT is valued cheaper than 95.90% of the companies in the same industry.
CRMT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.9 | ||
| Fwd PE | 4.94 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as CRMT.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.75 |
4.3 Compensation for Growth
A more expensive valuation may be justified as CRMT's earnings are expected to grow with 63.72% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y81.79%
EPS Next 3Y63.72%
5. Dividend
5.1 Amount
No dividends for CRMT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
20.23
+1.85 (+10.07%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners87.77%
Inst Owner Change-0.49%
Ins Owners15.1%
Ins Owner Change-19.77%
Market Cap167.50M
Revenue(TTM)1.38B
Net Income(TTM)13.12M
Analysts80
Price Target40.29 (99.16%)
Short Float %25.08%
Short Ratio9.91
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)0%
PT rev (3m)-31.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-73.25%
EPS NY rev (1m)0.23%
EPS NY rev (3m)-70.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.9 | ||
| Fwd PE | 4.94 | ||
| P/S | 0.12 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.3 | ||
| P/tB | 0.31 | ||
| EV/EBITDA | 9.75 |
EPS(TTM)0.7
EY3.46%
EPS(NY)4.1
Fwd EY20.26%
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
Graham Number32.79
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%
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 Turnover0.86
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 | 1.73 |
F-Score4
WACC8.76%
ROIC/WACC0.52
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-11.78%
EPS Next 2Y81.79%
EPS Next 3Y63.72%
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 3Y6.31%
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
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.
Can you provide the valuation status for AMERICA'S CAR-MART INC?
ChartMill assigns a valuation rating of 4 / 10 to AMERICA'S CAR-MART INC (CRMT). This can be considered as Fairly Valued.
What is the profitability of CRMT stock?
AMERICA'S CAR-MART INC (CRMT) has a profitability rating of 4 / 10.
Can you provide the financial health for CRMT stock?
The financial health rating of AMERICA'S CAR-MART INC (CRMT) is 2 / 10.
Can you provide the dividend sustainability for CRMT stock?
The dividend rating of AMERICA'S CAR-MART INC (CRMT) is 0 / 10 and the dividend payout ratio is 0.3%.