AMERICA'S CAR-MART INC (CRMT) Stock Fundamental Analysis
NASDAQ:CRMT - Nasdaq - US03062T1051 - Common Stock - Currency: USD
Overall CRMT gets a fundamental rating of 3 out of 10. We evaluated CRMT against 121 industry peers in the Specialty Retail industry. Both the profitability and financial health of CRMT have multiple concerns. 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.
CRMT had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
CRMT has a Return On Assets (0.48%) which is in line with its industry peers.
CRMT's Return On Equity of 1.38% is in line compared to the rest of the industry. CRMT outperforms 57.85% of its industry peers.
CRMT's Return On Invested Capital of 4.36% is in line compared to the rest of the industry. CRMT outperforms 52.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 1.38% | ||
| ROIC | 4.36% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CRMT has a Profit Margin (0.55%) which is comparable to the rest of the industry.
CRMT's Profit Margin has declined in the last couple of years.
CRMT's Operating Margin of 5.93% is fine compared to the rest of the industry. CRMT outperforms 72.73% of its industry peers.
CRMT's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 47.52%, CRMT is in the better half of the industry, outperforming 74.38% of the companies in the same industry.
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 | 5.93% | ||
| PM (TTM) | 0.55% | ||
| GM | 47.52% |
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.
There is no outstanding debt for CRMT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
An Altman-Z score of 1.89 indicates that CRMT is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of CRMT (1.89) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.43 is on the high side and indicates that CRMT has dependencies on debt financing.
CRMT has a Debt to Equity ratio of 1.43. This is in the lower half of the industry: CRMT underperforms 64.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.43 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.89 |
ROIC/WACC0.5
WACC8.74%
2.3 Liquidity
A Current Ratio of 1.56 indicates that CRMT should not have too much problems paying its short term obligations.
CRMT has a better Current ratio (1.56) than 66.94% of its industry peers.
CRMT has a Quick Ratio of 1.56. 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 0.42, CRMT is in line with its industry, outperforming 40.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.56 | ||
| Quick Ratio | 0.42 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 125.05% over the past year.
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.
CRMT shows a decrease in Revenue. In the last year, the revenue decreased by -0.21%.
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)125.05%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%2000%
Revenue 1Y (TTM)-0.21%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%1.51%
3.2 Future
CRMT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 121.40% yearly.
CRMT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.59% yearly.
EPS Next Y180.2%
EPS Next 2Y121.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.96%
Revenue Next 2Y7.59%
Revenue Next 3YN/A
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 39.42, the valuation of CRMT can be described as expensive.
CRMT's Price/Earnings is on the same level as the industry average.
CRMT is valuated rather expensively when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 14.07 indicates a correct valuation of CRMT.
CRMT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CRMT is cheaper than 65.29% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, CRMT is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.42 | ||
| Fwd PE | 14.07 |
4.2 Price Multiples
CRMT's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.29 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CRMT's earnings are expected to grow with 121.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y121.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CRMT does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
48.88
-0.15 (-0.31%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners89.38%
Inst Owner Change3.72%
Ins Owners10.74%
Ins Owner Change-5.54%
Market Cap403.75M
Analysts51.11
Price Target53.55 (9.55%)
Short Float %13.18%
Short Ratio11.24
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.01
Dividend Growth(5Y)1.32%
DP0.52%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)44.84%
Min EPS beat(2)-140.1%
Max EPS beat(2)229.77%
EPS beat(4)1
Avg EPS beat(4)-31.47%
Min EPS beat(4)-140.1%
Max EPS beat(4)229.77%
EPS beat(8)1
Avg EPS beat(8)-121.19%
EPS beat(12)2
Avg EPS beat(12)-92.73%
EPS beat(16)5
Avg EPS beat(16)-62.37%
Revenue beat(2)2
Avg Revenue beat(2)4.39%
Min Revenue beat(2)0.63%
Max Revenue beat(2)8.15%
Revenue beat(4)3
Avg Revenue beat(4)2.08%
Min Revenue beat(4)-1.09%
Max Revenue beat(4)8.15%
Revenue beat(8)5
Avg Revenue beat(8)-0.02%
Revenue beat(12)8
Avg Revenue beat(12)1.72%
Revenue beat(16)12
Avg Revenue beat(16)3.84%
PT rev (1m)0%
PT rev (3m)-2.4%
EPS NQ rev (1m)-13.41%
EPS NQ rev (3m)0.91%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.95%
Revenue NQ rev (1m)-1.37%
Revenue NQ rev (3m)-0.98%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.42 | ||
| Fwd PE | 14.07 | ||
| P/S | 0.29 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.72 | ||
| P/tB | 0.75 | ||
| EV/EBITDA | 13.29 |
EPS(TTM)1.24
EY2.54%
EPS(NY)3.47
Fwd EY7.11%
FCF(TTM)-10.06
FCFYN/A
OCF(TTM)-9.53
OCFYN/A
SpS167.73
BVpS67.58
TBVpS64.82
PEG (NY)0.22
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.48% | ||
| ROE | 1.38% | ||
| ROCE | 5.55% | ||
| ROIC | 4.36% | ||
| ROICexc | 4.39% | ||
| ROICexgc | 4.46% | ||
| OM | 5.93% | ||
| PM (TTM) | 0.55% | ||
| GM | 47.52% | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
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-Score5
Asset Turnover0.86
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.43 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 8.89 | ||
| Cap/Depr | 58.51% | ||
| Cap/Sales | 0.32% | ||
| Interest Coverage | 1.06 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.56 | ||
| Quick Ratio | 0.42 | ||
| Altman-Z | 1.89 |
F-Score5
WACC8.74%
ROIC/WACC0.5
Cap/Depr(3y)178.2%
Cap/Depr(5y)233.45%
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)125.05%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%2000%
EPS Next Y180.2%
EPS Next 2Y121.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.21%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%1.51%
Revenue Next Year4.96%
Revenue Next 2Y7.59%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y267.14%
EBIT growth 3Y-11.16%
EBIT growth 5Y5.33%
EBIT Next Year613.24%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.26%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4.16%
OCF growth 3YN/A
OCF growth 5YN/A