AMERICA'S CAR-MART INC (CRMT) Fundamental Analysis & Valuation

NASDAQ:CRMT • US03062T1051

Current stock price

12.46 USD
+0.15 (+1.22%)
At close:
12.51 USD
+0.05 (+0.4%)
After Hours:

This CRMT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CRMT Profitability Analysis

1.1 Basic Checks

  • In the past year CRMT has reported negative net income.
  • In the past year CRMT had a positive 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.
CRMT Yearly Net Income VS EBIT VS OCF VS FCFCRMT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M -50M 100M -100M -150M

1.2 Ratios

  • CRMT has a worse Return On Assets (-5.80%) than 65.32% of its industry peers.
  • CRMT's Return On Equity of -19.66% is in line compared to the rest of the industry. CRMT outperforms 44.35% of its industry peers.
  • CRMT has a Return On Invested Capital (0.91%) which is in line with its industry peers.
  • CRMT had an Average Return On Invested Capital over the past 3 years of 3.44%. This is significantly below the industry average of 13.35%.
Industry RankSector Rank
ROA -5.8%
ROE -19.66%
ROIC 0.91%
ROA(3y)0.14%
ROA(5y)4.28%
ROE(3y)0.19%
ROE(5y)9.25%
ROIC(3y)3.44%
ROIC(5y)7.19%
CRMT Yearly ROA, ROE, ROICCRMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

1.3 Margins

  • CRMT's Profit Margin has declined in the last couple of years.
  • The Operating Margin of CRMT (1.31%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of CRMT has declined.
  • Looking at the Gross Margin, with a value of 48.54%, CRMT is in the better half of the industry, outperforming 75.81% 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 RankSector Rank
OM 1.31%
PM (TTM) N/A
GM 48.54%
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%
CRMT Yearly Profit, Operating, Gross MarginsCRMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30 40

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4

2. CRMT Health Analysis

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.
  • 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.
CRMT Yearly Shares OutstandingCRMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
CRMT Yearly Total Debt VS Total AssetsCRMT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • Based on the Altman-Z score of 1.52, we must say that CRMT is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CRMT (1.52) is worse than 62.10% of its industry peers.
  • CRMT has a debt to FCF ratio of 63.19. This is a negative value and a sign of low solvency as CRMT would need 63.19 years to pay back of all of its debts.
  • CRMT has a Debt to FCF ratio of 63.19. This is comparable to the rest of the industry: CRMT outperforms 41.94% of its industry peers.
  • CRMT has a Debt/Equity ratio of 1.86. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of CRMT (1.86) is worse than 66.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.86
Debt/FCF 63.19
Altman-Z 1.52
ROIC/WACC0.11
WACC8.28%
CRMT Yearly LT Debt VS Equity VS FCFCRMT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 2.49 indicates that CRMT has no problem at all paying its short term obligations.
  • CRMT has a better Current ratio (2.49) than 86.29% of its industry peers.
  • A Quick Ratio of 1.54 indicates that CRMT should not have too much problems paying its short term obligations.
  • CRMT has a Quick ratio of 1.54. This is amongst the best in the industry. CRMT outperforms 84.68% of its industry peers.
Industry RankSector Rank
Current Ratio 2.49
Quick Ratio 1.54
CRMT Yearly Current Assets VS Current LiabilitesCRMT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CRMT Growth Analysis

3.1 Past

  • The earnings per share for CRMT have decreased strongly by -4475.00% in the last 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.
  • The Revenue has decreased by -2.67% in the past year.
  • The Revenue has been growing by 13.31% on average over the past years. This is quite good.
EPS 1Y (TTM)-4475%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%-513.51%
Revenue 1Y (TTM)-2.67%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%-11.95%

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.
  • CRMT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.32% yearly.
EPS Next Y-115.22%
EPS Next 2Y56.37%
EPS Next 3Y48.67%
EPS Next 5YN/A
Revenue Next Year0.37%
Revenue Next 2Y2.45%
Revenue Next 3Y3.32%
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.
CRMT Yearly Revenue VS EstimatesCRMT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B
CRMT Yearly EPS VS EstimatesCRMT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 5 10

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5

4. CRMT Valuation Analysis

4.1 Price/Earnings Ratio

  • CRMT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 4.11 indicates a rather cheap valuation of CRMT.
  • 99.19% of the companies in the same industry are more expensive than CRMT, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of CRMT to the average of the S&P500 Index (23.10), we can say CRMT is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 4.11
CRMT Price Earnings VS Forward Price EarningsCRMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60

4.2 Price Multiples

  • 61.29% of the companies in the same industry are cheaper than CRMT, based on the Enterprise Value to EBITDA ratio.
  • 86.29% of the companies in the same industry are more expensive than CRMT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.33
EV/EBITDA 33.95
CRMT Per share dataCRMT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100 150

4.3 Compensation for Growth

  • A more expensive valuation may be justified as CRMT's earnings are expected to grow with 48.67% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y56.37%
EPS Next 3Y48.67%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CRMT Dividend Analysis

5.1 Amount

  • CRMT does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

CRMT Fundamentals: All Metrics, Ratios and Statistics

AMERICA'S CAR-MART INC

NASDAQ:CRMT (4/7/2026, 9:27:40 PM)

After market: 12.51 +0.05 (+0.4%)

12.46

+0.15 (+1.22%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)03-12
Earnings (Next)06-10
Inst Owners80.11%
Inst Owner Change0%
Ins Owners15.1%
Ins Owner Change-0.14%
Market Cap103.42M
Revenue(TTM)1.35B
Net Income(TTM)-94.32M
Analysts80
Price Target20.4 (63.72%)
Short Float %15.37%
Short Ratio7.87
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.01
Dividend Growth(5Y)-1.73%
DP-0.04%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-251.84%
Min EPS beat(2)-445.45%
Max EPS beat(2)-58.22%
EPS beat(4)1
Avg EPS beat(4)-162.53%
Min EPS beat(4)-445.45%
Max EPS beat(4)29.31%
EPS beat(8)2
Avg EPS beat(8)-97%
EPS beat(12)2
Avg EPS beat(12)-134.97%
EPS beat(16)3
Avg EPS beat(16)-110.18%
Revenue beat(2)1
Avg Revenue beat(2)-5.79%
Min Revenue beat(2)-15.29%
Max Revenue beat(2)3.71%
Revenue beat(4)2
Avg Revenue beat(4)-3.82%
Min Revenue beat(4)-15.29%
Max Revenue beat(4)3.71%
Revenue beat(8)5
Avg Revenue beat(8)-0.87%
Revenue beat(12)7
Avg Revenue beat(12)-1.29%
Revenue beat(16)10
Avg Revenue beat(16)0.34%
PT rev (1m)-39.39%
PT rev (3m)-43.66%
EPS NQ rev (1m)-108.26%
EPS NQ rev (3m)-108.26%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-8.33%
Revenue NQ rev (3m)-8.79%
Revenue NY rev (1m)-4.44%
Revenue NY rev (3m)-4.84%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 4.11
P/S 0.08
P/FCF 7.33
P/OCF 6.29
P/B 0.22
P/tB 0.23
EV/EBITDA 33.95
EPS(TTM)-1.75
EYN/A
EPS(NY)3.03
Fwd EY24.33%
FCF(TTM)1.7
FCFY13.65%
OCF(TTM)1.98
OCFY15.9%
SpS162.47
BVpS57.8
TBVpS55.05
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -5.8%
ROE -19.66%
ROCE 1.16%
ROIC 0.91%
ROICexc 0.99%
ROICexgc 1.01%
OM 1.31%
PM (TTM) N/A
GM 48.54%
FCFM 1.05%
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-Score5
Asset Turnover0.83
Health
Industry RankSector Rank
Debt/Equity 1.86
Debt/FCF 63.19
Debt/EBITDA 34.51
Cap/Depr 28.22%
Cap/Sales 0.17%
Interest Coverage 0.24
Cash Conversion 63.59%
Profit Quality N/A
Current Ratio 2.49
Quick Ratio 1.54
Altman-Z 1.52
F-Score5
WACC8.28%
ROIC/WACC0.11
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)-4475%
EPS 3Y-55.08%
EPS 5Y-30.02%
EPS Q2Q%-513.51%
EPS Next Y-115.22%
EPS Next 2Y56.37%
EPS Next 3Y48.67%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.67%
Revenue growth 3Y5.17%
Revenue growth 5Y13.31%
Sales Q2Q%-11.95%
Revenue Next Year0.37%
Revenue Next 2Y2.45%
Revenue Next 3Y3.32%
Revenue Next 5YN/A
EBIT growth 1Y-78.54%
EBIT growth 3Y-11.16%
EBIT growth 5Y5.33%
EBIT Next Year344.53%
EBIT Next 3Y95.69%
EBIT Next 5YN/A
FCF growth 1Y117.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y121.76%
OCF growth 3YN/A
OCF growth 5YN/A

AMERICA'S CAR-MART INC / CRMT Fundamental Analysis 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 5 / 10 to AMERICA'S CAR-MART INC (CRMT). This can be considered as Fairly Valued.


How profitable is AMERICA'S CAR-MART INC (CRMT) stock?

AMERICA'S CAR-MART INC (CRMT) has a profitability rating of 2 / 10.


How sustainable is the dividend of AMERICA'S CAR-MART INC (CRMT) stock?

The dividend rating of AMERICA'S CAR-MART INC (CRMT) is 0 / 10 and the dividend payout ratio is -0.04%.