America's Car-Mart Statistics
Total Valuation
CRMT has a market cap or net worth of $179.72 million. The enterprise value is $1.02 billion.
Important Dates
The next estimated earnings date is Thursday, December 4, 2025, before market open.
| Earnings Date | Dec 4, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
CRMT has 8.28 million shares outstanding. The number of shares has increased by 27.51% in one year.
| Current Share Class | 8.28M |
| Shares Outstanding | 8.28M |
| Shares Change (YoY) | +27.51% |
| Shares Change (QoQ) | -1.83% |
| Owned by Insiders (%) | 3.30% |
| Owned by Institutions (%) | 68.92% |
| Float | 6.10M |
Valuation Ratios
The trailing PE ratio is 13.46 and the forward PE ratio is 9.79.
| PE Ratio | 13.46 |
| Forward PE | 9.79 |
| PS Ratio | 0.13 |
| Forward PS | 0.12 |
| PB Ratio | 0.32 |
| P/TBV Ratio | 0.33 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 77.71 |
| EV / Sales | 0.74 |
| EV / EBITDA | 10.83 |
| EV / EBIT | 11.82 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 16.60, with a Debt / Equity ratio of 1.50.
| Current Ratio | 16.60 |
| Quick Ratio | 13.61 |
| Debt / Equity | 1.50 |
| Debt / EBITDA | 7.33 |
| Debt / FCF | n/a |
| Interest Coverage | 1.24 |
Financial Efficiency
Return on equity (ROE) is 2.54% and return on invested capital (ROIC) is 3.93%.
| Return on Equity (ROE) | 2.54% |
| Return on Assets (ROA) | 3.43% |
| Return on Invested Capital (ROIC) | 3.93% |
| Return on Capital Employed (ROCE) | 5.67% |
| Revenue Per Employee | $599,427 |
| Profits Per Employee | $5,704 |
| Employee Count | 2,300 |
| Asset Turnover | 0.88 |
| Inventory Turnover | 6.36 |
Taxes
In the past 12 months, CRMT has paid $3.42 million in taxes.
| Income Tax | 3.42M |
| Effective Tax Rate | 20.64% |
Stock Price Statistics
The stock price has decreased by -44.19% in the last 52 weeks. The beta is 1.23, so CRMT's price volatility has been higher than the market average.
| Beta (5Y) | 1.23 |
| 52-Week Price Change | -44.19% |
| 50-Day Moving Average | 30.49 |
| 200-Day Moving Average | 44.38 |
| Relative Strength Index (RSI) | 28.84 |
| Average Volume (20 Days) | 163,484 |
Short Selling Information
The latest short interest is 1.39 million, so 16.77% of the outstanding shares have been sold short.
| Short Interest | 1.39M |
| Short Previous Month | 1.29M |
| Short % of Shares Out | 16.77% |
| Short % of Float | 22.75% |
| Short Ratio (days to cover) | 7.53 |
Income Statement
In the last 12 months, CRMT had revenue of $1.38 billion and earned $13.12 million in profits. Earnings per share was $1.61.
| Revenue | 1.38B |
| Gross Profit | 656.50M |
| Operating Income | 86.22M |
| Pretax Income | 16.58M |
| Net Income | 13.12M |
| EBITDA | 94.13M |
| EBIT | 86.22M |
| Earnings Per Share (EPS) | $1.61 |
Full Income StatementBalance Sheet
The company has $9.67 million in cash and $849.54 million in debt, giving a net cash position of -$839.88 million or -$101.46 per share.
| Cash & Cash Equivalents | 9.67M |
| Total Debt | 849.54M |
| Net Cash | -839.88M |
| Net Cash Per Share | -$101.46 |
| Equity (Book Value) | 565.33M |
| Book Value Per Share | 68.24 |
| Working Capital | 1.38B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$39.71 million and capital expenditures -$3.36 million, giving a free cash flow of -$43.07 million.
| Operating Cash Flow | -39.71M |
| Capital Expenditures | -3.36M |
| Free Cash Flow | -43.07M |
| FCF Per Share | -$5.20 |
Full Cash Flow StatementMargins
Gross margin is 47.62%, with operating and profit margins of 6.25% and 0.95%.
| Gross Margin | 47.62% |
| Operating Margin | 6.25% |
| Pretax Margin | 1.20% |
| Profit Margin | 0.95% |
| EBITDA Margin | 6.83% |
| EBIT Margin | 6.25% |
| FCF Margin | n/a |
Dividends & Yields
CRMT does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -27.51% |
| Shareholder Yield | -27.51% |
| Earnings Yield | 7.30% |
| FCF Yield | -23.97% |
Analyst Forecast
The average price target for CRMT is $45.00, which is 107.28% higher than the current price. The consensus rating is "Buy".
| Price Target | $45.00 |
| Price Target Difference | 107.28% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on April 15, 2005. It was a forward split with a ratio of 1.5:1.
| Last Split Date | Apr 15, 2005 |
| Split Type | Forward |
| Split Ratio | 1.5:1 |
Scores
CRMT has an Altman Z-Score of 2.87 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.87 |
| Piotroski F-Score | 4 |
