AMERICA'S CAR-MART INC (CRMT) Stock Fundamental Analysis
NASDAQ:CRMT - Nasdaq - US03062T1051 - Common Stock - Currency: USD
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. CRMT has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
CRMT had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.48%, CRMT perfoms like the industry average, outperforming 51.64% of the companies in the same industry.
CRMT's Return On Equity of 1.38% is in line compared to the rest of the industry. CRMT outperforms 58.20% of its industry peers.
The Return On Invested Capital of CRMT (4.36%) is comparable to the rest of the industry.
| 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 of 0.55%. This is comparable to the rest of the industry: CRMT outperforms 53.28% of its industry peers.
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 73.77% of its industry peers.
CRMT's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 47.52%, CRMT is doing good in the industry, outperforming 74.59% 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 | 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
CRMT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 1.94 indicates that CRMT is not a great score, but indicates only limited risk for bankruptcy at the moment.
CRMT's Altman-Z score of 1.94 is in line compared to the rest of the industry. CRMT outperforms 43.44% of its industry peers.
A Debt/Equity ratio of 1.43 is on the high side and indicates that CRMT has dependencies on debt financing.
The Debt to Equity ratio of CRMT (1.43) is worse than 63.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.43 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.94 |
ROIC/WACC0.49
WACC8.87%
2.3 Liquidity
A Current Ratio of 1.56 indicates that CRMT should not have too much problems paying its short term obligations.
CRMT's Current ratio of 1.56 is fine compared to the rest of the industry. CRMT outperforms 66.39% 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.
CRMT has a Quick ratio (0.42) which is in line with its industry peers.
| 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
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.
The Revenue is expected to grow by 8.59% on average over the next years. This is quite good.
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.
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
With a Price/Earnings ratio of 47.94, CRMT can be considered very expensive at the moment.
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 (27.41), we can say CRMT is valued expensively.
With a Price/Forward Earnings ratio of 16.16, CRMT is valued correctly.
Based on the Price/Forward Earnings ratio, CRMT is valued a bit cheaper than the industry average as 63.11% of the companies are valued more expensively.
CRMT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.94 | ||
| Fwd PE | 16.16 |
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 | 14.26 |
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.
CRMT's earnings are expected to grow with 92.12% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y130.74%
EPS Next 3Y92.12%
5. Dividend
5.1 Amount
No dividends for CRMT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
59.44
-1.74 (-2.84%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners89.38%
Inst Owner Change0%
Ins Owners10.74%
Ins Owner Change-5.91%
Market Cap490.97M
Analysts51.11
Price Target53.55 (-9.91%)
Short Float %12.05%
Short Ratio9.93
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)3.45%
PT rev (3m)0.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-13.41%
EPS NY rev (1m)-3.75%
EPS NY rev (3m)-0.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.85%
Revenue NY rev (1m)5.97%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.94 | ||
| Fwd PE | 16.16 | ||
| P/S | 0.35 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.88 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 14.26 |
EPS(TTM)1.24
EY2.09%
EPS(NY)3.68
Fwd EY6.19%
FCF(TTM)-10.06
FCFYN/A
OCF(TTM)-9.53
OCFYN/A
SpS167.73
BVpS67.58
TBVpS64.82
PEG (NY)0.24
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 | 1.94 |
F-Score5
WACC8.87%
ROIC/WACC0.49
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 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%1.51%
Revenue Next Year10.36%
Revenue Next 2Y8.35%
Revenue Next 3Y8.59%
Revenue Next 5YN/A
EBIT growth 1Y267.14%
EBIT growth 3Y-11.16%
EBIT growth 5Y5.33%
EBIT Next Year613.24%
EBIT Next 3Y123%
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