A Business at a Glance
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AMERICAS CARMART INC
CRMT
$23M
Mkt Cap
$3.04
-16.48%
AMERICAS CARMART INC (CRMT) has a 5-year average return on invested capital (ROIC) of 8.1%. This is below average and may indicate limited pricing power.
AMERICAS CARMART INC (CRMT) has a market capitalization of $25M. It is classified as a small-cap stock.
Yes, AMERICAS CARMART INC (CRMT) pays a dividend with a trailing twelve-month yield of 0.16%. The company also returns capital through share buybacks, with a buyback yield of 1.19%.
AMERICAS CARMART INC (CRMT) operates in the Retail-Auto Dealers & Gasoline Stations industry, within the Consumer Cyclical sector.
AMERICAS CARMART INC (CRMT) reported annual revenue of $1.4 billion in its most recent fiscal year, based on SEC EDGAR filings.
AMERICAS CARMART INC (CRMT) has a net profit margin of 1.3%. This is a modest margin.
AMERICAS CARMART INC (CRMT) generated $-53 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Business and Organization America’s Car-Mart, Inc., a Texas corporation initially formed in 1981 (the “Company”), is one of the largest publicly held automotive retailers in the United States focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market. References to the “Company” include the Company’s consolidated subsidiaries. The Company’s operations are principally conducted through its two operating subsidiaries, America’s Car Mart, Inc., an Arkansas corporation (“Car-Mart of Arkansas”), and Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”). Collectively, Car-Mart of Arkansas and Colonial are referred to herein as “Car-Mart.” The Company primarily sells older model used vehicles and provides financing for substantially all of its customers. Many of the Company’s customers have limited financial resources and would not qualify for conventional financing as a result of limited credit histories or past credit problems.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.3B | 1.4B | 1.4B | 1.4B | 1.2B | 910M |
| Net Income | -94M | 18M | -31M | 20M | 95M | 105M |
| EPS | $-11.36 | $2.33 | $-4.92 | $3.11 | $13.92 | $15.05 |
| Free Cash Flow | 14M | -53M | -80M | -158M | -135M | -63M |
| ROIC | 0.0% | 5.7% | 2.0% | 4.5% | 11.4% | 16.8% |
| Gross Margin | - | 47.8% | 45.6% | 42.8% | 44.7% | 47.3% |
| Debt/Equity | 1.86 | 1.36 | 1.60 | 1.62 | 1.02 | 1.11 |
| Dividends/Share | $0.00 | $0.01 | $0.01 | $0.01 | $0.01 | $0.01 |
| Operating Income | 0 | 93M | 25M | 64M | 134M | 142M |
| Operating Margin | 0.0% | 6.7% | 1.8% | 4.6% | 11.2% | 15.6% |
| ROE | -19.7% | 3.4% | -6.5% | 4.2% | 21.5% | 29.6% |
| Shares Outstanding | 8M | 8M | 6M | 7M | 7M | 7M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 489M | 530M | 568M | 588M | 612M | 669M | 745M | 910M | 1.2B | 1.4B | 1.4B | 1.4B | 1.3B |
| Gross Margin | 37.4% | 37.7% | 35.5% | 36.6% | 36.3% | 36.3% | 35.5% | 47.3% | 44.7% | 42.8% | 45.6% | 47.8% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 79M | 84M | 92M | 92M | 99M | 107M | 118M | 131M | 156M | 177M | 179M | 189M | 209M |
| EBIT | 37M | 50M | 22M | 36M | 44M | 68M | 72M | 142M | 134M | 64M | 25M | 93M | 0 |
| Op. Margin | 7.5% | 9.4% | 3.8% | 6.2% | 7.3% | 10.1% | 9.7% | 15.6% | 11.2% | 4.6% | 1.8% | 6.7% | 0.0% |
| Net Income | 21M | 29M | 12M | 20M | 36M | 48M | 51M | 105M | 95M | 20M | -31M | 18M | -94M |
| Net Margin | 4.3% | 5.6% | 2.0% | 3.4% | 6.0% | 7.1% | 6.9% | 11.5% | 8.0% | 1.5% | -2.3% | 1.3% | -7.0% |
| Non-Recurring | -76K | -17K | -369K | -1.2M | -91K | 91K | 114K | 40K | -149K | -361K | -170K | -159K | -159K |
| Returns on Capital | |||||||||||||
| ROIC | 9.0% | 9.8% | 4.1% | 5.7% | 9.8% | 16.8% | 16.1% | 16.8% | 11.4% | 4.5% | 2.0% | 5.7% | 0.0% |
| ROE | 10.2% | 13.3% | 5.0% | 8.7% | 15.7% | 19.4% | 18.2% | 29.6% | 21.5% | 4.2% | -6.5% | 3.4% | -19.7% |
| ROA | 5.8% | 7.7% | 2.9% | 4.9% | 8.3% | 10.0% | 8.8% | 14.1% | 9.6% | 1.6% | -2.2% | 1.2% | -5.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 22M | 12M | 14M | 7.3M | 10.0M | 25M | 21M | -54M | -119M | -136M | -74M | -49M | 16M |
| Free Cash Flow | 15M | 8.4M | 9.8M | 5.7M | 7.7M | 21M | 15M | -63M | -135M | -158M | -80M | -53M | 14M |
| Owner Earnings | 17M | 7.8M | 8.6M | 1.8M | 4.1M | 17M | 12M | -63M | -129M | -147M | -85M | -61M | 4.0M |
| CapEx | 7.1M | 4.0M | 4.5M | 1.6M | 2.3M | 4.0M | 5.4M | 9.0M | 16M | 22M | 6.1M | 3.9M | 2.3M |
| Maint. CapEx | 3.3M | 3.8M | 4.2M | 4.3M | 4.3M | 4.0M | 3.8M | 3.7M | 4.0M | 5.6M | 6.9M | 7.6M | 8.2M |
| Growth CapEx | 3.8M | 179K | 318K | 0 | 0 | 60K | 1.6M | 5.2M | 12M | 17M | 0 | 0 | 0 |
| D&A | 3.3M | 3.8M | 4.2M | 4.3M | 4.3M | 4.0M | 3.8M | 3.7M | 4.0M | 5.6M | 6.9M | 7.6M | 8.2M |
| CapEx/OCF | 32.4% | 32.4% | 31.7% | 21.6% | 22.6% | 16.2% | 25.9% | N/A | N/A | N/A | N/A | N/A | 14.1% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 40K | 40K | 40K | 40K | 40K | 40K | 40K | 40K | 40K | 40K | 40K | 40K | 40K |
| Dividend Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.2% |
| Share Buybacks | 13M | 20M | 14M | 20M | 42M | 27M | 16M | 11M | 35M | 5.2M | 365K | 434K | 301K |
| Buyback Yield | 3.7% | 4.3% | 6.1% | 6.8% | 10.8% | 3.7% | 3.7% | 1.0% | 6.1% | 1.0% | 0.1% | 0.1% | 1.2% |
| Stock-Based Comp | 1.4M | 780K | 1.5M | 1.3M | 1.6M | 3.7M | 4.7M | 6.0M | 5.5M | 5.3M | 4.2M | 4.7M | 4.2M |
| Debt Repayment | 207K | 256K | 146K | 104K | 107K | 389K | 509K | 524K | 0 | 327M | 527M | 631M | 631M |
| Balance Sheet | |||||||||||||
| Net Debt | 97M | 101M | 107M | 235M | 151M | -1.6M | 156M | 449M | 478M | 796M | 749M | 767M | 774M |
| Cash & Equiv. | 289K | 790K | 602K | 434K | 1.0M | 1.8M | 60M | 2.9M | 6.9M | 9.8M | 5.5M | 9.8M | 118M |
| Long-Term Debt | N/A | N/A | N/A | 118M | 152M | 194K | 216M | 226M | 441M | 639M | 754M | 777M | 892M |
| Debt/Equity | 0.46 | 0.45 | 0.47 | 1.01 | 0.66 | 0.00 | 0.71 | 1.11 | 1.02 | 1.62 | 1.60 | 1.36 | 1.86 |
| Interest Coverage | 12.2 | 17.2 | 6.6 | 8.9 | 7.9 | 8.6 | 9.0 | 20.8 | 12.2 | 1.7 | 0.4 | 1.3 | 1.3 |
| Equity | 213M | 229M | 229M | 233M | 230M | 260M | 303M | 406M | 476M | 498M | 471M | 569M | 479M |
| Total Assets | 363M | 400M | 406M | 424M | 456M | 493M | 667M | 822M | 1.2B | 1.4B | 1.5B | 1.6B | 1.6B |
| Total Liabilities | 150M | 170M | 177M | 191M | 225M | 232M | 364M | 415M | 678M | 916M | 1.0B | 1.0B | 1.1B |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 264M | 294M | 305M | 326M | 362M | 410M | 461M | 565M | 665M | 686M | 654M | 672M | 567M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 76M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 89M | 115M | 115M |
| Current Liabilities | 11M | 13M | 11M | 14M | 16M | 19M | 20M | 31M | N/A | N/A | N/A | N/A | 39M |
| Per Share Data | |||||||||||||
| EPS | 2.25 | 3.25 | 1.33 | 2.49 | 4.90 | 6.73 | 7.39 | 15.05 | 13.92 | 3.11 | -4.92 | 2.33 | -11.36 |
| Owner EPS | 1.83 | 0.86 | 0.99 | 0.22 | 0.56 | 2.44 | 1.78 | -9.12 | -18.86 | -22.36 | -13.30 | -7.96 | 0.48 |
| Book Value | 22.72 | 25.28 | 26.32 | 28.76 | 30.96 | 36.83 | 43.60 | 58.37 | 69.83 | 76.02 | 73.67 | 74.15 | 57.73 |
| Cash Flow/Share | 2.33 | 1.37 | 1.64 | 0.91 | 1.34 | 3.52 | 3.01 | -7.73 | -17.47 | -20.70 | -11.57 | -6.35 | -10.37 |
| Dividends/Share | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Shares Out. | 9.4M | 9.1M | 8.7M | 8.1M | 7.4M | 7.1M | 6.9M | 7.0M | 6.8M | 6.6M | 6.4M | 7.7M | 8.3M |
| Valuation | |||||||||||||
| P/E Ratio | 16.2 | 15.9 | 20.3 | 15.0 | 10.8 | 15.1 | 8.5 | 10.0 | 5.9 | 25.8 | N/A | 21.1 | -0.3 |
| P/FCF | 23.1 | 56.0 | 24.1 | 52.6 | 50.7 | 34.5 | 28.1 | N/A | N/A | N/A | N/A | N/A | 1.8 |
| EV/EBIT | N/A | N/A | N/A | 11.6 | 12.2 | 12.9 | 8.2 | 7.4 | 7.1 | 15.4 | 36.5 | 10.1 | N/A |
| Price/Book | 1.6 | 2.0 | 1.0 | 1.3 | 1.7 | 2.8 | 1.4 | 2.6 | 1.2 | 1.1 | 0.8 | 0.7 | 0.1 |
| Price/Sales | 0.8 | 0.8 | 0.5 | 0.5 | 0.6 | 0.9 | 1.0 | 0.9 | 0.8 | 0.4 | 0.4 | 0.3 | 0.0 |
| FCF Yield | 4.3% | 1.8% | 4.2% | 1.9% | 2.0% | 2.9% | 3.6% | -6.0% | -23.9% | -29.9% | -21.6% | -13.9% | 55.9% |
| Market Cap | 342M | 469M | 235M | 302M | 392M | 720M | 435M | 1.0B | 564M | 527M | 370M | 378M | 25M |
| Avg. Price | 41.95 | 45.46 | 35.47 | 35.85 | 42.88 | 73.61 | 91.04 | 107.40 | 119.08 | 82.36 | 80.93 | 51.81 | 3.04 |
| Year-End Price | 36.45 | 51.73 | 27.03 | 37.30 | 52.70 | 101.89 | 62.68 | 149.62 | 82.73 | 80.39 | 57.87 | 49.25 | 3.04 |
AMERICAS CARMART INC passes 2 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average ROIC is 8.1% with a gross margin of 45.6%. Total shareholder yield (dividends + buybacks) is 1.4%. At current prices, the estimated annualized return to fair value is +11.8%.
AMERICAS CARMART INC (CRMT) has a debt-to-equity ratio of 1.36. This indicates moderate leverage.
AMERICAS CARMART INC (CRMT) reported earnings per share (EPS) of $2.33 in its most recent fiscal year.
AMERICAS CARMART INC (CRMT) has a return on equity (ROE) of 3.4%. This indicates moderate shareholder returns.
AMERICAS CARMART INC (CRMT) has a 5-year average gross margin of 45.6%. This indicates decent pricing power.
The Ledger Terminal provides 16 years of financial data for AMERICAS CARMART INC (CRMT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
AMERICAS CARMART INC (CRMT) has a book value per share of $74.15, based on its most recent annual SEC filing.
No recent press releases.