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CRMTAmerica's Car-Mart, Inc.
$2.97$25M
Overview & Verdict
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CRMT logoAmerica's Car-Mart, Inc.(CRMT)Earnings, Financials & Key Ratios

CRMT•NASDAQ
$2.97
1.3× P/E·Price updated Jul 6, 2026
SectorConsumer CyclicalIndustryAuto DealershipsSub-IndustrySpecialty Vehicle Dealers and Finance
AboutAmerica's Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. It primarily sells older model used vehicles and provides financing for its customers. As of April 30, 2022, the company operated 154 dealerships in the South-Central United States. The company was founded in 1981 and is based in Rogers, Arkansas.Show more
  • Revenue$1.39B-0.2%
  • EBITDA$101M+211.8%
  • Net Income$18M+157.0%
  • EPS (Diluted)2.33+147.5%
  • Gross Margin47.8%+6.0%
  • EBITDA Margin7.29%+212.5%
  • Operating Margin6.74%+266.3%
  • Net Margin1.29%+157.1%
  • ROE3.44%+153.1%

CRMT Price & Volume

America's Car-Mart, Inc. (CRMT) stock price & volume — 10-year historical chart

Loading chart...

Subprime Credit Deterioration Strains Operational Profitability

Investment Thesis • Updated 2025Q3

VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Subprime credit portfolio deterioration

Key Thesis Takeaways

  • America's Car-Mart faces a challenging fundamental outlook as its subprime retail model struggles with accelerating revenue contraction and significant margin erosion.
  • The company's reliance on external financing to support its loan portfolio, evidenced by a debt-to-equity ratio of 1.99, creates substantial balance sheet vulnerability.
  • Investors should monitor the potential for further loss-severity shocks as the firm navigates a cooling used-car market and persistent negative free cash flow.

Verdict Logic

the company's inability to generate positive free cash flow and the recent $76.7 million net loss in 2025Q3 suggest significant underlying credit risks that outweigh current valuation multiples.

CRMT Growth Metrics

America's Car-Mart, Inc. (CRMT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.12%
5 Years13.31%
3 Years4.69%
TTM-20.33%

Profit CAGR

10 Years-4.87%
5 Years-19.01%
3 Years-42.68%
TTM-1499.41%

EPS CAGR

10 Years-3.27%
5 Years-20.61%
3 Years-44.89%
TTM-1375.6%

Return on Capital

10 Years10.06%
5 Years10.41%
3 Years5.49%
Last Year7.95%

CRMT Recent Earnings

America's Car-Mart, Inc. (CRMT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 2/12 qtrs (20%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Mar 12, 2026
Metric
Actual
Est
EPS
$1.53-496.1%
$0.26
Rev
$287M-12.9%
$329M
Q4 2025
Dec 4, 2025
Metric
Actual
Est
EPS
$0.79
—
Rev
—
—
Q4 2025
Sep 4, 2025
Metric
Actual
Est
EPS
$0.69-200.0%
$0.69
Rev
$341M-5.0%
$359M
Q4 2025
Sep 3, 2025
Metric
Actual
Est
EPS
$0.15-121.7%
$0.69
Rev
$341M-5.0%
$359M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMar 12, 2026
$1.53vs $0.26-496.1%
$287Mvs $329M-12.9%
Q4 2025Dec 4, 2025
$0.79
—
Q4 2025Sep 4, 2025
$0.69vs $0.69-200.0%
$341Mvs $359M-5.0%
Q4 2025Sep 3, 2025
$0.15vs $0.69-121.7%
$341Mvs $359M-5.0%
Based on last 12 quarters of dataView full earnings history →

Latest CRMT News

Recent stock market news and headlines for America's Car-Mart, Inc. (CRMT)

GlobeNewsWire·Jun 19, 2026
America's Car-Mart, Inc. Announces Agreement with Lenders to Support Ongoing Strategic Review Process

Amendment Provides Covenant Relief and Runway to Advance Its Strategic Review Amendment Provides Covenant Relief and Runway to Advance Its Strategic Review

Peers Comparison

Key metrics vs top competitors for America's Car-Mart, Inc. (CRMT)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CRMT logoCRMTAmerica's Car-Mart, Inc.Current
$2.97$24.66M1.27-0.21%1.29%3.44%0.18%
DRVN logoDRVNDriven Brands Holdings Inc.
$15.08$2.49B17.74-20.39%10.35%24.44%—
AN logoANAutoNation, Inc.
$190.72$6.55B11.193.24%2.47%28.44%—
LAD logoLADLithia Motors, Inc.
$309.02$7.05B9.564%1.88%10.59%—
KMX logoKMXCarMax, Inc.
$50.21$7.13B29.89-1.79%0.84%3.67%—
SAH logoSAHSonic Automotive, Inc.
$85.91$2.91B25.126.53%0.72%10.5%—

Compare CRMT vs Peers

America's Car-Mart, Inc. (CRMT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs DRVN

Most directly comparable listed peer for CRMT.

Scale Benchmark

vs COF

Larger-name benchmark to compare CRMT against a more recognizable public peer.

Peer Set

Compare Top 5

vs DRVN, AN, LAD, KMX

CRMT SEC Filings & Documents

America's Car-Mart, Inc. (CRMT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 25, 2026·SEC

Material company update

Jun 12, 2026·SEC

Material company update

Jun 5, 2026·SEC

10-K Annual Reports

2
FY 2025

Aug 8, 2025·SEC

FY 2024

Jul 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Mar 12, 2026·SEC

FY 2025

Dec 9, 2025·SEC

FY 2025

Sep 9, 2025·SEC

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CRMT Frequently Asked Questions

America's Car-Mart, Inc. (CRMT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is America's Car-Mart, Inc.'s revenue?

America's Car-Mart, Inc. (CRMT) reported $1.10B in revenue for fiscal year 2024. This represents a 1103646% increase from $0.1M in 1995.

How fast is America's Car-Mart, Inc. growing?

America's Car-Mart, Inc. (CRMT) saw revenue decline by 0.2% over the past year.

Is CRMT profitable?

America's Car-Mart, Inc. (CRMT) reported a net loss of $94.3M for fiscal year 2024.

Dividend & Returns
Does CRMT pay dividends?

Yes, America's Car-Mart, Inc. (CRMT) pays a dividend with a yield of 0.18%. This makes it attractive for income-focused investors.

What is CRMT's return on equity?

America's Car-Mart, Inc. (CRMT) has a return on equity (ROE) of 3.4%. This is below average, suggesting room for improvement.

What is America's Car-Mart, Inc.'s free cash flow?

America's Car-Mart, Inc. (CRMT) generated $14.2M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in CRMT back in 1995?

Total return calculator · dividends reinvested · 31+ years of data

See returns →