28.17 USD
+0.24 (+0.86%)
28.17 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to CRMT. CRMT was compared to 122 industry peers in the Specialty Retail industry. CRMT has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
CRMT had a negative operating cash flow in the past year.
CRMT had positive earnings in 4 of the past 5 years.
CRMT had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
CRMT has a Return On Assets of -0.84%. This is comparable to the rest of the industry: CRMT outperforms 44.26% of its industry peers.
With a Return On Equity value of -2.60%, CRMT perfoms like the industry average, outperforming 50.82% of the companies in the same industry.
CRMT has a Return On Invested Capital of 2.67%. This is comparable to the rest of the industry: CRMT outperforms 46.72% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CRMT is significantly below the industry average of 12.24%.
| 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.
CRMT has a Operating Margin (3.88%) which 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 74.59% of its industry peers.
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 | 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CRMT 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 1.66, we must say that CRMT is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of CRMT (1.66) is worse than 60.66% 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 Debt to Equity ratio of 1.61. This is in the lower half of the industry: CRMT underperforms 65.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.61 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.66 |
ROIC/WACC0.29
WACC9.24%
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.
Looking at the Current ratio, with a value of 2.10, CRMT belongs to the top of the industry, outperforming 80.33% of the companies in the same industry.
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 better Quick ratio (1.31) than 82.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.1 | ||
| Quick Ratio | 1.31 |
3. Growth
3.1 Past
CRMT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 108.98%, which is quite impressive.
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.
Looking at the last year, CRMT shows a small growth in Revenue. The Revenue has grown by 2.07% 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)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
CRMT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 48.67% yearly.
Based on estimates for the next years, CRMT will show a small growth in Revenue. The Revenue will grow by 6.09% on average per year.
EPS Next Y-115.22%
EPS Next 2Y56.37%
EPS Next 3Y48.67%
EPS Next 5YN/A
Revenue Next Year5.48%
Revenue Next 2Y5.26%
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.
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 is valuated quite expensively with a Price/Earnings ratio of 187.80.
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 (27.19), we can say CRMT is valued expensively.
Based on the Price/Forward Earnings ratio of 9.29, the valuation of CRMT can be described as reasonable.
88.52% of the companies in the same industry are more expensive than CRMT, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.92, CRMT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 187.8 | ||
| Fwd PE | 9.29 |
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 | 16.29 |
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% |
28.17
+0.24 (+0.86%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners86.53%
Inst Owner Change0.1%
Ins Owners15.06%
Ins Owner Change-10.08%
Market Cap233.25M
Revenue(TTM)1.39B
Net Income(TTM)-14.45M
Analysts80
Price Target36.21 (28.54%)
Short Float %23.41%
Short Ratio8.73
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)0%
PT rev (3m)-10.13%
EPS NQ rev (1m)1300%
EPS NQ rev (3m)-67.69%
EPS NY rev (1m)80.63%
EPS NY rev (3m)-117.29%
Revenue NQ rev (1m)4.95%
Revenue NQ rev (3m)-1.4%
Revenue NY rev (1m)3.64%
Revenue NY rev (3m)-0.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 187.8 | ||
| Fwd PE | 9.29 | ||
| P/S | 0.17 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.42 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 16.29 |
EPS(TTM)0.15
EY0.53%
EPS(NY)3.03
Fwd EY10.76%
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 | 1.66 |
F-Score4
WACC9.24%
ROIC/WACC0.29
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 Year5.48%
Revenue Next 2Y5.26%
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 187.8 and the Price/Book (PB) ratio is 0.42.
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.