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CRMT stock logo

CRMT

America’s Car-Mart, Inc.

$12.47
0.33
 (2.72%)
Exchange:  NASDAQ
Market Cap:  103.532M
Shares Outstanding:  3.927M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Consumer Cyclical
Industry:  Auto – Dealerships
   
CEO:  Douglas W. Campbell
Full Time Employees:  2280
Address: 
1805 North 2nd Street
Rogers
AR
72756
US
Website:  https://www.car-mart.com
America’s Car-Mart, Inc., through its subsidiaries, operates as an automotive retailer in the United States. It primarily sells older model used vehicles and provides financing for its customers. As of April 30, 2022, the company operated 154 dealerships in the South-Central United States. The company was founded in 1981 and is based in Rogers, Arkansas.

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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

Year202220232024
Revenue1,405,4981,393,8941,390,932
Gross Profit599,625628,477664,877
EBITDA69,70832,084101,058
Operating Income64,46725,65093,750
Net Income20,432-31,39317,892

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets1,420,4311,477,6441,606,474
Total Liabilities1,123,0101,006,4941,036,552
Total Stockholders Equity297,421471,050569,822
Total Debt638,598818,698845,070
Cash and Cash Equivalents9,7965,5229,808

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow-137,974-73,898-48,764
Capital Expenditure-22,234-6,146-3,848
Free Cash Flow-160,208-80,044-52,612
Net Income20,432-31,39317,932
Net Change in Cash-17,14126,41330,090

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,390,245.646Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,474,355.941Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,430,898Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)116,099.656Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)123,123.722Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)119,494.541Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)10,908.441Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)19,665.922Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)17,256.500Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)183,926.873Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)195,054.507Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)189,305.103Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.990Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.560Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.420Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.394B  ?P/S
 (TTM)
: 
0.1
?Net Income
 (TTM)
: 
-31393000  ?P/E
 (TTM)
: 
-1.18
?Enterprise Value
 (TTM)
: 
945.288M  ?EV/FCF
 (TTM)
: 
66.76
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
-0.17  ?ROIC
 (TTM)
: 
0.08
?Net Debt
 (TTM)
: 
737.554M  ?Debt/Equity
 (TTM)
: 
1.99
?P/B
 (TTM)
: 
0.23  ?Current Ratio
 (TTM)
: 
1.37

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
N/AFull AccessFull AccessFull AccessFull Access

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SWOT Analysis

Strengths (preview)
  • Revenue Growth: CRMT reported an 8.7% increase in total revenue for Q3 Fiscal 2025, as highlighted in the earnings call transcript. This growth reflects strong demand and effective sales strategies, positioning the company favorably within the automotive retail sector.
  • Operational Efficiency: Key financial results from the earnings call indicate improved gross margins, suggesting better cost management and pricing power. This operational strength supports profitability despite market challenges.
  • Focused Customer Service: The earnings call emphasized enhancements in customer service, which could drive customer loyalty and repeat business, a critical factor in the competitive used-car market.

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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.


Calculate CRMT Intrinsic Value

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

2.72
MARKETSnap

Trading Metrics:

Open: 12.01   Previous Close: 12.14
Day Low: 11.55   Day High: 12.52
Year Low: 11.04   Year High: 62.72
Price Avg 50: 19.46   Price Avg 200: 31.17
Volume: 125399   Average Volume: 138641

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CRMT full analysis

16/12/2025

Welcome to MARKETSNAP’s SWOT analysis for America's Car-Mart, a player in the used car retail space that might not be on everyone’s radar but definitely deserves a closer look. If you’re a long-term investor hunting for value or growth in niche markets, stick around as we break down the strengths, weaknesses, opportunities, and threats for this company. We’ll dive into their financials, recent news, and what’s driving their performance, all while keeping an eye on what this means for your…

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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
05-12-2025 17:15
Rosen Law Firm Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT
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
CRMT Investor News: If You Have Suffered Losses in America's Car-Mart, Inc. (NASDAQ: CRMT), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
03-12-2025 17:04
CRMT Investor News: If You Have Suffered Losses in America's Car-Mart, Inc. (NASDAQ: CRMT), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
America's Car-Mart, Inc. (CRMT) Q3 2026 Earnings Call Transcript
12-03-2026 20:02
America's Car-Mart, Inc. (CRMT) Q3 2026 Earnings Call Transcript
ROSEN, SKILLED INVESTOR COUNSEL, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT
28-01-2026 13:18
ROSEN, SKILLED INVESTOR COUNSEL, Encourages America's Car-Mart, Inc. Investors to Inquire About Securities Class Action Investigation - CRMT
America's Car-Mart Advances SG&A Cost Control Strategy With Phase 2 Store Consolidations
13-01-2026 16:05
America's Car-Mart Advances SG&A Cost Control Strategy With Phase 2 Store Consolidations

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