(CRMT) Americas Car-Mart - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US03062T1051
Stock: Used Vehicles, In-House Financing
Total Rating 27
Risk 98
Buy Signal -1.06
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 63.9% |
| Relative Tail Risk | -16.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.92 |
| Alpha | -66.48 |
| Character TTM | |
|---|---|
| Beta | 1.023 |
| Beta Downside | 0.857 |
| Drawdowns 3y | |
|---|---|
| Max DD | 85.09% |
| CAGR/Max DD | -0.41 |
Description: CRMT Americas Car-Mart December 28, 2025
America’s Car-Mart, Inc. (NASDAQ: CRMT) is a U.S.–based automotive retailer that specializes in selling older-model used vehicles and offering in-house financing. Founded in 1981 and headquartered in Rogers, Arkansas, the firm operates through a network of franchised dealerships across the United States, targeting price-sensitive consumers in the used-car segment.
Key operating metrics that analysts watch include FY 2023 revenue of roughly $1.2 billion and an average gross profit per vehicle of about $2,500, reflecting the thin margins typical of the used-car market. Inventory turnover averages 45 days, while the company’s financing arm generates roughly 4 % net interest margin, making it sensitive to changes in consumer credit spreads and the Federal Reserve’s policy rate. Macro-level drivers such as the U.S. used-car market’s 3 % annual growth rate and the broader auto loan delinquency trends also materially affect CRMT’s earnings outlook.
For a deeper quantitative dive into CRMT’s valuation metrics and scenario analysis, check out the ValueRay profile.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: -14.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 2.02 > 1.0 |
| NWC/Revenue: 83.50% < 20% (prev 82.52%; Δ 0.98% < -1%) |
| CFO/TA -0.00 > 3% & CFO -8.42m > Net Income -14.4m |
| Net Debt (840.4m) to EBITDA (57.1m): 14.73 < 3 |
| Current Ratio: 3.55 > 1.5 & < 3 |
| Outstanding Shares: last quarter (8.28m) vs 12m ago -0.17% < -2% |
| Gross Margin: 50.62% > 18% (prev 0.47%; Δ 5015 % > 0.5%) |
| Asset Turnover: 80.59% > 50% (prev 86.30%; Δ -5.71% > 0%) |
| Interest Coverage Ratio: 0.73 > 6 (EBITDA TTM 57.1m / Interest Expense TTM 67.0m) |
Altman Z'' 6.23
| A: 0.64 (Total Current Assets 1.54b - Total Current Liabilities 435.0m) / Total Assets 1.72b |
| B: 0.37 (Retained Earnings 644.0m / Total Assets 1.72b) |
| C: 0.03 (EBIT TTM 49.0m / Avg Total Assets 1.65b) |
| D: 0.55 (Book Value of Equity 644.2m / Total Liabilities 1.16b) |
| Altman-Z'' Score: 6.23 = AAA |
Beneish M -3.08
| DSRI: 1.07 (Receivables 1.19b/1.14b, Revenue 1.33b/1.36b) |
| GMI: 0.93 (GM 50.62% / 47.08%) |
| AQI: 0.96 (AQ_t 0.04 / AQ_t-1 0.04) |
| SGI: 0.98 (Revenue 1.33b / 1.36b) |
| TATA: -0.00 (NI -14.4m - CFO -8.42m) / TA 1.72b) |
| Beneish M-Score: -3.08 (Cap -4..+1) = AA |
What is the price of CRMT shares?
As of February 07, 2026, the stock is trading at USD 24.45 with a total of 119,747 shares traded.
Over the past week, the price has changed by -4.94%, over one month by -6.36%, over three months by +18.40% and over the past year by -50.71%.
Over the past week, the price has changed by -4.94%, over one month by -6.36%, over three months by +18.40% and over the past year by -50.71%.
Is CRMT a buy, sell or hold?
Americas Car-Mart has received a consensus analysts rating of 3.25.
Therefor, it is recommend to hold CRMT.
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the CRMT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 37 | 51.3% |
| Analysts Target Price | 37 | 51.3% |
| ValueRay Target Price | 18.4 | -24.8% |
CRMT Fundamental Data Overview February 04, 2026
P/E Forward = 28.3286
P/S = 0.1526
P/B = 0.3845
P/EG = 2.58
Revenue TTM = 1.33b USD
EBIT TTM = 49.0m USD
EBITDA TTM = 57.1m USD
Long Term Debt = 635.0m USD (from longTermDebt, last quarter)
Short Term Debt = 261.9m USD (from shortTermDebt, last quarter)
Debt = 962.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 840.4m USD (from netDebt column, last quarter)
Enterprise Value = 1.05b USD (210.8m + Debt 962.8m - CCE 122.4m)
Interest Coverage Ratio = 0.73 (Ebit TTM 49.0m / Interest Expense TTM 67.0m)
EV/FCF = -105.9x (Enterprise Value 1.05b / FCF TTM -9.93m)
FCF Yield = -0.94% (FCF TTM -9.93m / Enterprise Value 1.05b)
FCF Margin = -0.75% (FCF TTM -9.93m / Revenue TTM 1.33b)
Net Margin = -1.09% (Net Income TTM -14.4m / Revenue TTM 1.33b)
Gross Margin = 50.62% ((Revenue TTM 1.33b - Cost of Revenue TTM 655.3m) / Revenue TTM)
Gross Margin QoQ = 67.46% (prev 48.70%)
Tobins Q-Ratio = 0.61 (Enterprise Value 1.05b / Total Assets 1.72b)
Interest Expense / Debt = 1.63% (Interest Expense 15.7m / Debt 962.8m)
Taxrate = 21.35% (4.87m / 22.8m)
NOPAT = 38.5m (EBIT 49.0m * (1 - 21.35%))
Current Ratio = 3.55 (Total Current Assets 1.54b / Total Current Liabilities 435.0m)
Debt / Equity = 1.73 (Debt 962.8m / totalStockholderEquity, last quarter 555.4m)
Debt / EBITDA = 14.73 (Net Debt 840.4m / EBITDA 57.1m)
Debt / FCF = -84.66 (negative FCF - burning cash) (Net Debt 840.4m / FCF TTM -9.93m)
Total Stockholder Equity = 562.1m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.88% (Net Income -14.4m / Total Assets 1.72b)
RoE = -2.57% (Net Income TTM -14.4m / Total Stockholder Equity 562.1m)
RoCE = 4.09% (EBIT 49.0m / Capital Employed (Equity 562.1m + L.T.Debt 635.0m))
RoIC = 2.80% (NOPAT 38.5m / Invested Capital 1.38b)
WACC = 2.79% (E(210.8m)/V(1.17b) * Re(9.68%) + D(962.8m)/V(1.17b) * Rd(1.63%) * (1-Tc(0.21)))
Discount Rate = 9.68% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 13.86%
Fair Price DCF = unknown (Cash Flow -9.93m)
EPS Correlation: -44.73 | EPS CAGR: -15.96% | SUE: 0.19 | # QB: 0
Revenue Correlation: 1.38 | Revenue CAGR: 4.98% | SUE: 0.64 | # QB: 0
EPS current Year (2026-04-30): EPS=-3.47 | Chg30d=-0.145 | Revisions Net=-1 | Growth EPS=-248.9% | Growth Revenue=-0.2%
EPS next Year (2027-04-30): EPS=0.86 | Chg30d=-0.380 | Revisions Net=-1 | Growth EPS=+124.9% | Growth Revenue=+2.9%
P/S = 0.1526
P/B = 0.3845
P/EG = 2.58
Revenue TTM = 1.33b USD
EBIT TTM = 49.0m USD
EBITDA TTM = 57.1m USD
Long Term Debt = 635.0m USD (from longTermDebt, last quarter)
Short Term Debt = 261.9m USD (from shortTermDebt, last quarter)
Debt = 962.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 840.4m USD (from netDebt column, last quarter)
Enterprise Value = 1.05b USD (210.8m + Debt 962.8m - CCE 122.4m)
Interest Coverage Ratio = 0.73 (Ebit TTM 49.0m / Interest Expense TTM 67.0m)
EV/FCF = -105.9x (Enterprise Value 1.05b / FCF TTM -9.93m)
FCF Yield = -0.94% (FCF TTM -9.93m / Enterprise Value 1.05b)
FCF Margin = -0.75% (FCF TTM -9.93m / Revenue TTM 1.33b)
Net Margin = -1.09% (Net Income TTM -14.4m / Revenue TTM 1.33b)
Gross Margin = 50.62% ((Revenue TTM 1.33b - Cost of Revenue TTM 655.3m) / Revenue TTM)
Gross Margin QoQ = 67.46% (prev 48.70%)
Tobins Q-Ratio = 0.61 (Enterprise Value 1.05b / Total Assets 1.72b)
Interest Expense / Debt = 1.63% (Interest Expense 15.7m / Debt 962.8m)
Taxrate = 21.35% (4.87m / 22.8m)
NOPAT = 38.5m (EBIT 49.0m * (1 - 21.35%))
Current Ratio = 3.55 (Total Current Assets 1.54b / Total Current Liabilities 435.0m)
Debt / Equity = 1.73 (Debt 962.8m / totalStockholderEquity, last quarter 555.4m)
Debt / EBITDA = 14.73 (Net Debt 840.4m / EBITDA 57.1m)
Debt / FCF = -84.66 (negative FCF - burning cash) (Net Debt 840.4m / FCF TTM -9.93m)
Total Stockholder Equity = 562.1m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.88% (Net Income -14.4m / Total Assets 1.72b)
RoE = -2.57% (Net Income TTM -14.4m / Total Stockholder Equity 562.1m)
RoCE = 4.09% (EBIT 49.0m / Capital Employed (Equity 562.1m + L.T.Debt 635.0m))
RoIC = 2.80% (NOPAT 38.5m / Invested Capital 1.38b)
WACC = 2.79% (E(210.8m)/V(1.17b) * Re(9.68%) + D(962.8m)/V(1.17b) * Rd(1.63%) * (1-Tc(0.21)))
Discount Rate = 9.68% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 13.86%
Fair Price DCF = unknown (Cash Flow -9.93m)
EPS Correlation: -44.73 | EPS CAGR: -15.96% | SUE: 0.19 | # QB: 0
Revenue Correlation: 1.38 | Revenue CAGR: 4.98% | SUE: 0.64 | # QB: 0
EPS current Year (2026-04-30): EPS=-3.47 | Chg30d=-0.145 | Revisions Net=-1 | Growth EPS=-248.9% | Growth Revenue=-0.2%
EPS next Year (2027-04-30): EPS=0.86 | Chg30d=-0.380 | Revisions Net=-1 | Growth EPS=+124.9% | Growth Revenue=+2.9%