AMERICA'S CAR-MART INC (CRMT) Stock Fundamental Analysis
NASDAQ:CRMT - US03062T1051 - Common Stock
36.115 USD
-0.39 (-1.08%)
36.115 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CRMT. CRMT was compared to 123 industry peers in the Specialty Retail industry. CRMT has a medium profitability rating, but doesn't score so well on its financial health evaluation. CRMT is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CRMT was profitable.
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 1.11%, CRMT perfoms like the industry average, outperforming 55.28% of the companies in the same industry.
With a decent Return On Equity value of 3.14%, CRMT is doing good in the industry, outperforming 60.16% of the companies in the same industry.
CRMT's Return On Invested Capital of 4.97% is in line compared to the rest of the industry. CRMT outperforms 56.91% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CRMT is significantly below the industry average of 12.10%.
The last Return On Invested Capital (4.97%) for CRMT is above the 3 year average (3.44%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 3.14% | ||
| ROIC | 4.97% |
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
The Profit Margin of CRMT (1.29%) is comparable to the rest of the industry.
CRMT's Profit Margin has declined in the last couple of years.
CRMT has a Operating Margin of 6.74%. This is in the better half of the industry: CRMT outperforms 73.98% of its industry peers.
CRMT's Operating Margin has declined in the last couple of years.
CRMT's Gross Margin of 47.80% is fine compared to the rest of the industry. CRMT outperforms 77.24% of its industry peers.
CRMT's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.74% | ||
| PM (TTM) | 1.29% | ||
| GM | 47.8% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
Compared to 1 year ago, CRMT has an improved debt to assets ratio.
2.2 Solvency
CRMT has an Altman-Z score of 1.85. This is not the best score and indicates that CRMT is in the grey zone with still only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.85, CRMT is in line with its industry, outperforming 44.72% of the companies in the same industry.
A Debt/Equity ratio of 1.37 is on the high side and indicates that CRMT has dependencies on debt financing.
CRMT's Debt to Equity ratio of 1.37 is on the low side compared to the rest of the industry. CRMT is outperformed by 64.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.85 |
ROIC/WACC0.51
WACC9.68%
2.3 Liquidity
CRMT has a Current Ratio of 1.34. 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 Current ratio (1.34) which is comparable to the rest of the industry.
CRMT has a Quick Ratio of 1.34. 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 42.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.34 | ||
| 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.
CRMT shows a decrease in Revenue. In the last year, the revenue decreased by -0.21%.
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)112.22%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%-360%
Revenue 1Y (TTM)-0.21%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%-1.86%
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 92.12% on average per year.
Based on estimates for the next years, CRMT will show a quite strong growth in Revenue. The Revenue will grow by 8.59% on average per year.
EPS Next Y196.65%
EPS Next 2Y130.74%
EPS Next 3Y92.12%
EPS Next 5YN/A
Revenue Next Year10.36%
Revenue Next 2Y8.35%
Revenue Next 3Y8.59%
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
A Price/Earnings ratio of 51.59 indicates a quite expensive valuation of CRMT.
Compared to the rest of the industry, the Price/Earnings ratio of CRMT is on the same level as its industry peers.
CRMT's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.06.
Based on the Price/Forward Earnings ratio of 5.47, the valuation of CRMT can be described as very cheap.
CRMT's Price/Forward Earnings ratio is rather cheap when compared to the industry. CRMT is cheaper than 95.94% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.69, CRMT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 51.59 | ||
| Fwd PE | 5.47 |
4.2 Price Multiples
CRMT's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CRMT is cheaper than 60.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.61 |
4.3 Compensation for Growth
CRMT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CRMT's earnings are expected to grow with 92.12% in the coming years.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y130.74%
EPS Next 3Y92.12%
5. Dividend
5.1 Amount
CRMT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
36.115
-0.39 (-1.08%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners87.37%
Inst Owner Change-3.65%
Ins Owners10.81%
Ins Owner Change-14.91%
Market Cap308.78M
Analysts80
Price Target58.48 (61.93%)
Short Float %10.92%
Short Ratio8.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.01
Dividend Growth(5Y)1.32%
DP0.22%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)129.54%
Min EPS beat(2)29.31%
Max EPS beat(2)229.77%
EPS beat(4)2
Avg EPS beat(4)-0.8%
Min EPS beat(4)-140.1%
Max EPS beat(4)229.77%
EPS beat(8)2
Avg EPS beat(8)-108.5%
EPS beat(12)2
Avg EPS beat(12)-92.54%
EPS beat(16)5
Avg EPS beat(16)-67.81%
Revenue beat(2)2
Avg Revenue beat(2)5.65%
Min Revenue beat(2)3.14%
Max Revenue beat(2)8.15%
Revenue beat(4)4
Avg Revenue beat(4)3.14%
Min Revenue beat(4)0.63%
Max Revenue beat(4)8.15%
Revenue beat(8)5
Avg Revenue beat(8)-0.61%
Revenue beat(12)8
Avg Revenue beat(12)0.8%
Revenue beat(16)12
Avg Revenue beat(16)2.78%
PT rev (1m)0%
PT rev (3m)12.97%
EPS NQ rev (1m)8.2%
EPS NQ rev (3m)29.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 51.59 | ||
| Fwd PE | 5.47 | ||
| P/S | 0.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.54 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | 10.61 |
EPS(TTM)0.7
EY1.94%
EPS(NY)6.6
Fwd EY18.28%
FCF(TTM)-6.16
FCFYN/A
OCF(TTM)-5.7
OCFYN/A
SpS162.68
BVpS66.65
TBVpS63.98
PEG (NY)0.26
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 3.14% | ||
| ROCE | 6.33% | ||
| ROIC | 4.97% | ||
| ROICexc | 5.01% | ||
| ROICexgc | 5.08% | ||
| OM | 6.74% | ||
| PM (TTM) | 1.29% | ||
| GM | 47.8% | ||
| 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 Turnover0.87
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.37 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 7.67 | ||
| Cap/Depr | 50.87% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | 1.33 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.34 | ||
| Quick Ratio | 0.44 | ||
| Altman-Z | 1.85 |
F-Score4
WACC9.68%
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 Y196.65%
EPS Next 2Y130.74%
EPS Next 3Y92.12%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.21%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%-1.86%
Revenue Next Year10.36%
Revenue Next 2Y8.35%
Revenue Next 3Y8.59%
Revenue Next 5YN/A
EBIT growth 1Y264.93%
EBIT growth 3Y-11.16%
EBIT growth 5Y5.33%
EBIT Next Year628.62%
EBIT Next 3Y123%
EBIT Next 5YN/A
FCF growth 1Y34.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y34.01%
OCF growth 3YN/A
OCF growth 5YN/A