America's Car-Mart, Inc.
CRMT · Price history
Price at last available close
$0.87
−$0.16 (-15.82%) 1M
2026-10-28
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Company & revenue
About America's Car-Mart, Inc.
Primary reporting period: 2026-04-30 · Research updated Oct 13, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
America's Car-Mart operates as an integrated auto sales and finance retailer, focusing on the 'Buy Here/Pay Here' segment. The company generates revenue primarily through the sale of older model used vehicles and by providing in-house financing to customers with limited access to traditional credit, earning interest income on these loans.
Products & services
The company sells used vehicles and provides financing solutions for substantially all of its customers, including related vehicle protection products.
Brands & revenue mix
The primary brand under which the company operates its automotive dealerships.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Credit-challenged consumersSource
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Automotive Auctions — The company sources a significant portion of its vehicle inventory from various automotive auctions.Source
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-07-31.
Quarterly revenue fell 57.3% versus the same quarter last year.
Check comparable business scope and currency, then separate volume, pricing and divestitures. One weaker quarter does not establish that the same decline will continue.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
27
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
32
Poor
Financial Strength
45
Business Quality / Moat
65
Management
0
Growth Quality
0
Risk / Durability
20
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
33
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
43/100
Building Historical Record
Model Score 43/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Recent buyback activity is present
- •Debt service risk
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for CRMT
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving CRMT's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is CRMT's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is CRMT's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What specifically needs to improve for CRMT to reach sustainable profitability?
- •What future growth or profitability would be needed to justify CRMT's current valuation?
Essential Investment Snapshot
Wall Street Score
27
Opportunity Score
33
Market Cap
$7.2M
P/E Ratio
-0.0
EPS
$-23.81
52-Week High
$30.75
52-Week Low
$1.00
Beta
1.27
Analyst Target
$45.00
Shares Outstanding
8.3M
Total Revenue
$1.03B
Total Debt
$671.2M
Dividend
No current dividend
Liquidation Value / Share
$45.42
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Extreme movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for CRMT
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~-1.5x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on CRMT.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Integrated sales and finance model.
- +Disciplined underwriting approach.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Auto - Dealerships industry.
- −Credit risk associated with subprime lending.
- −Inventory availability and pricing volatility.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
27
Sep 17, 2026
Change
Unchanged
Current Score
27
Oct 1, 2026
Category Changes
CRMT score was unchanged.
Projected Score
Projected Score
25
Projected Change
-1.8 points
Preliminary comparable-period financial changes suggest decline of approximately 1.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$0.87
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.03B | $1.28B | $1.39B | $1.39B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $565.1M | $664.0M | $726.1M | $765.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $460.3M | $617.4M | $664.9M | $628.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $207.6M | $208.1M | $188.9M | $602.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $503.7M | $725.5M | $571.1M | $602.8M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | -$38.5M | -$99.8M | $101.1M | $32.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | -$43.4M | -$108.1M | $93.8M | $25.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $76.7M | $74.5M | $70.7M | $65.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | -$164.8M | -$108.0M | $22.8M | -$40.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $32.9M | $31.1M | $4.9M | -$8.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | -$197.8M | -$139.2M | $17.9M | -$31.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $-23.81 | $-16.79 | $2.38 | $-4.91 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 8.33M | 8.29M | 7.53M | 6.39M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 8.33M | 8.29M | 7.68M | 6.39M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$145.8M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
-$8.28
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-21.0%
Cash Change
+184.8%
Margin Change
-45.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
- Debt reduced
What Weakened
- Margins contracted
Potential Score Impact
Positive indicators included EPS growth, cash levels, debt levels. Pressure indicators included revenue growth, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 57.3%. EPS increased 1100.0%. Cash increased 184.8%. Total debt declined 21.0%. Net income margin declined by 45.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
40
Smart Money
40
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Auto - DealershipsNews
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of America's Car-Mart, Inc. - CRMT
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of America's Car-Mart, Inc. - CRMT
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of America's Car-Mart, Inc. - 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
Rumor Mill · CRMT
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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