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Company Analysis

America's Car-Mart, Inc. CRMT

A comprehensive view of key metrics, scores, and financial health for America's Car-Mart, Inc.

Overview of America's Car-Mart, Inc.

CRMT NMS
Consumer Cyclical Auto & Truck Dealerships Framework: General Corporate Micro Cap
America's Car-Mart, Inc. (CRMT), is a Micro Cap company, in the Auto & Truck Dealerships industry, last closed at $3.66, about 5756.0% undervalued vs fair value, -92.0% 1Y return, ranked 441/548 in sector.
Metrics P/E 20.4× Rev Growth -0.2% ROE 3.5% Gross Margin 47.8% Div Yield 0.01%
USD 3.66
-6.15%
(Delayed)
• Vol 90d: 225.3%
52-Week Range
Market Cap
$28.90M
Enterprise Value
$754.14M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

Website https://www.car-mart.com
HQ Rogers, AR
Employees 2,300
Fiscal year Apr 30

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$186
$214
$245
Current: $3.66 +5756% vs base

Engine Room Money Flow™

Micro Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$1.3B
-7.9%%
Gross Profit
$617.5M
-7.1%%
Operating Income
$-18.0M
-119.2%%
Net Income
$-139.1M
-875.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio FY2026
-45.4%

Operating Cash Flow / Net Income

FCF / Net Income - not meaningful while net income is negative (a near-100% ratio here only reflects cash burn tracking accounting losses, not earnings quality)

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$34.5M
54.7% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
3
Active Leaks
0/3
Improving
1
High Impact
2
Critical
Locked Leak
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Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating America's Car-Mart, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
59
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing CRMT's balance between Growth (32.7%), Profitability (35.5%), and Safety (31.8%). Growth 33% Safety 32% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

47th percentile vs peers
47
Key Signals
EPS Growth YoY 1.47 92p Revenue CAGR 3Y 5.3% 57p Rev Growth YoY -0.2% 35p TSR -17.2% 27p EPS CAGR 3Y -44.9% 7p
Strengths
  • EPS Growth YoY in top 20% of peers (1.47, 92th percentile)
  • Current Ratio in top 20% of peers (3.83, 85th percentile)
  • Debt/FCF Ratio in top 20% of peers (-16.05, 94th percentile)
  • Quick Ratio in top 20% of peers (3.53, 88th percentile)
  • Consistently strong margins across 3 metrics
Risks

No significant risks identified for this axis.

Profitability

51th percentile vs peers
51
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
46
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for America's Car-Mart, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$214.33
- - -
+5756.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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