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CRMT stock logo

CRMT

America’s Car-Mart, Inc.

$3.23
-0.07
 (-2.12%)
Exchange:  NASDAQ
Market Cap:  26.897M
Shares Outstanding:  3.927M
Delayed data
Calculate CRMT Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Consumer Cyclical
Industry:  Auto – Dealerships
   
CEO:  Douglas W. Campbell
Full Time Employees:  1500
Address: 
1805 North 2nd Street
Rogers
AR
72756
US
Website:  https://www.car-mart.com
Through its various subsidiaries, America’s Car-Mart, Inc. functions as an automotive retailer across the United States. The company’s core business involves selling pre-owned, older model vehicles, complemented by providing financing solutions directly to its clientele. As of April 30, 2022, it managed 154 dealership locations, predominantly situated within the South-Central U.S. This Rogers, Arkansas-based enterprise commenced operations in 1981.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/09/04 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202420252026
Revenue1,393,8941,390,9321,281,502
Gross Profit628,477664,877617,441
EBITDA32,084101,058-99,814
Operating Income25,65093,750-108,101
Net Income-31,39317,892-139,151

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(* All numbers are in thousands)

Balance Sheet

Year202420252026
Total Assets1,606,4741,606,4741,416,840
Total Liabilities1,036,5521,036,552971,184
Total Stockholders Equity569,822569,822445,656
Total Debt845,070845,0700
Cash and Cash Equivalents9,8089,80846,962

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(* All numbers are in thousands)

Cash Flow Statement

Year202420252026
Operating Cash Flow-48,764-48,76464,959
Capital Expenditure-3,848-3,890-1,810
Free Cash Flow-52,612-52,61263,149
Net Income17,93217,932-139,111
Net Change in Cash30,09030,0907,109

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)831,953.324Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)892,646.675Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)862,300Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)29,788.151Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)31,961.281Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)30,874.716Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)-19,590.978Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)-17,876.747Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)-18,700Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)163,923.824Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)175,882.531Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)169,903.177Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)-2.260Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)-2.160Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)-2.360Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.394B  ?P/S
 (TTM)
: 
0.02
?Net Income
 (TTM)
: 
-31393000  ?P/E
 (TTM)
: 
-0.2
?Enterprise Value
 (TTM)
: 
752.134M  ?EV/FCF
 (TTM)
: 
11.94
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
-0.03%
?ROE
 (TTM)
: 
-26.3%  ?ROIC
 (TTM)
: 
1.23%
?Net Debt
 (TTM)
: 
737.554M  ?Debt/Equity
 (TTM)
: 
1.73
?P/B
 (TTM)
: 
0.06  ?Current Ratio
 (TTM)
: 
8.78

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Forward P/E Ratios

?

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Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
N/AResearch AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

Strengths (preview)

  • Q3 fiscal 2025 revenue rose 8.7 percent, reflecting effective sales execution in a used-vehicle retail environment.
  • Solid capital structure supports operational flexibility and positions the company to sustain long-term growth initiatives without immediate liquidity pressure.
  • Emphasis on customer-service enhancements provides a potential differentiator within the automotive retail sector.

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about CRMT valuation

Is America's Car-Mart, Inc. (CRMT) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for America's Car-Mart, Inc. (CRMT) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CRMT a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CRMT trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CRMT’s P/E ratio?

You can see CRMT’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CRMT?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CRMT a good long-term investment?

Whether CRMT fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CRMT

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-2.12
MARKETSnap

Trading Metrics:

Open: 3.31   Previous Close: 3.3
Day Low: 3.18   Day High: 3.43
Year Low: 1.38   Year High: 47.93
Price Avg 50: 4.81   Price Avg 200: 16.19
Volume: 0   Average Volume: 1.699M

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CRMT full analysis

22/06/2026

Hey everyone, welcome back to the channel where we break down stocks with the kind of detail that actually helps you decide whether to put money on the line. Today we're diving deep into America's Car-Mart, ticker CRMT, a buy-here-pay-here used-car retailer that's been through the wringer lately. Let's kick things off with the big picture. CRMT operates roughly 154 dealerships concentrated in the South-Central United States, selling older used vehicles to customers who often can't get traditional financing. The…

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See in Nexus

Relevant news

Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT
12-03-2026 16:29
Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT
America's Car-Mart, Inc. (CRMT) Investors Who Lost Money – Contact Law Offices of Howard G. Smith About Ongoing Securities Fraud Investigation
30-07-2026 18:00
America's Car-Mart, Inc. (CRMT) Investors Who Lost Money – Contact Law Offices of Howard G. Smith About Ongoing Securities Fraud Investigation
Securities Fraud Investigation Into America's Car-Mart, Inc. (CRMT) Continues – Shareholders Who Lost Money Urged to Contact The Law Offices of Frank R. Cruz
21-07-2026 20:55
Securities Fraud Investigation Into America's Car-Mart, Inc. (CRMT) Continues – Shareholders Who Lost Money Urged to Contact The Law Offices of Frank R. Cruz
Securities Fraud Investigation Into America's Car-Mart, Inc. (CRMT) Continues – Investors Who Lost Money Urged To Contact Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firm
30-07-2026 14:00
Securities Fraud Investigation Into America's Car-Mart, Inc. (CRMT) Continues – Investors Who Lost Money Urged To Contact Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firm
Securities Fraud Investigation Into America's Car-Mart, Inc. (CRMT) Continues -- Shareholders Who Lost Money Urged to Contact The Law Offices of Frank R. Cruz
21-07-2026 21:00
Securities Fraud Investigation Into America's Car-Mart, Inc. (CRMT) Continues -- Shareholders Who Lost Money Urged to Contact The Law Offices of Frank R. Cruz
ROSEN, LEADING TRIAL ATTORNEYS, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT
27-03-2026 14:53
ROSEN, LEADING TRIAL ATTORNEYS, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT

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