Consumer Cyclical · Auto - Dealerships
Price
$2.60
Market Cap
$21.6M
Employees
2,280
Beta
1.19
Avg Volume
1,477,253
CEO
Douglas W. Campbell
Business Description
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.
Business History
Price Overview
Last updated: Jun 27, 2026 8:03am (just now)$2.60
-1.19 (-31.40%)
Day Range
$2.28 – $3.55
52-Week Range
$1.38 – $62.72
50-Day MA
$9.36
200-Day MA
$19.57
Volume
3,404,021.00
Analyst Price Targets
Low
$14.00
Consensus
$14.00
High
$14.00
(5 analysts)
Share Structure
Outstanding
8,302,450.00
Float
7,606,953.00
Free Float
91.6%
High free float
— 91.6% of shares trade freely, ~8.4% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Small absolute float (7.6M shares) — even with a decent free float %, volume can be thin. Check average daily volume before sizing a position.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALCStock Price / EPS (Diluted)
1.09
Stock Price: $2.60
EPS (Diluted): 2.38
EPS (Diluted): 2.38
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
0.63
Stock Price: $2.60
Total Equity: $569.82M
Shares: 7,682,000
Total Equity: $569.82M
Shares: 7,682,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
40.63
Market Cap: $21.59M
Total Debt: $778.07M
Cash: $9.81M
EBITDA: $101.06M
Total Debt: $778.07M
Cash: $9.81M
EBITDA: $101.06M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$1.2B
Market Cap: $21.59M
Total Debt: $778.07M
Cash: $9.81M
Total Debt: $778.07M
Cash: $9.81M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
47.8%
Gross Profit: $664.88M
Revenue: $1.39B
Revenue: $1.39B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
6.7%
Operating Income: $93.75M
Revenue: $1.39B
Revenue: $1.39B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
1.3%
Net Income: $17.89M
Revenue: $1.39B
Revenue: $1.39B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
-17.4%
Net Income: $17.89M
Total Equity: $569.82M
Total Equity: $569.82M
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
7.8%
Operating Income: $93.75M
Tax Rate: 21.4%
Equity: $569.82M
Total Debt: $778.07M
Cash: $9.81M
Tax Rate: 21.4%
Equity: $569.82M
Total Debt: $778.07M
Cash: $9.81M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
3.83
Current Assets: $1.42B
Current Liabilities: $372.09M
Current Liabilities: $372.09M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
1.37
Short-Term Debt: $206.06M
Long-Term Debt: $572.01M
Total Debt: $778.07M
Total Equity: $569.82M
Long-Term Debt: $572.01M
Total Debt: $778.07M
Total Equity: $569.82M
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$181.06
Revenue: $1.39B
Shares: 7,682,000
Shares: 7,682,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$74.18
Total Equity: $569.82M
Shares: 7,682,000
Shares: 7,682,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$-6.85
Operating CF: -$48.76M
CapEx: -$3.85M
Shares: 7,682,000
CapEx: -$3.85M
Shares: 7,682,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $2.60
Stock Price: $2.60
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $17.89M
Net Income: $17.89M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares CRMT against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 10:57am (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $918.6M | $1.2B | $1.4B | $1.4B | $1.4B |
| Cost of Revenue | $479.2M | $663.6M | $805.9M | $765.4M | $726.1M |
| Gross Profit | $439.5M | $548.7M | $599.6M | $628.5M | $664.9M |
| Operating Expenses | $298.2M | $417.3M | $535.2M | $602.8M | $571.1M |
| Operating Income | $141.2M | $131.5M | $64.5M | $25.7M | $93.8M |
| Net Income | $104.8M | $95.0M | $20.4M | -$31.4M | $17.9M |
| EBITDA | $145.9M | $137.6M | $69.7M | $32.1M | $101.1M |
| EPS | $15.70 | $14.60 | $3.20 | $-4.91 | $2.38 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 10:57am (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $2.9M | $6.9M | $9.8M | $5.5M | $9.8M |
| Total Current Assets | $719.8M | $1.0B | $1.3B | $1.3B | $1.4B |
| Total Assets | $822.2M | $1.2B | $1.4B | $1.5B | $1.6B |
| Current Liabilities | $82.1M | $164.8M | $323.1M | $353.8M | $372.1M |
| Long-Term Debt | $225.9M | $396.0M | $471.4M | $553.6M | $572.0M |
| Total Liabilities | $415.3M | $677.8M | $915.8M | $1.0B | $1.0B |
| Total Equity | $406.8M | $476.8M | $498.8M | $471.1M | $569.8M |
| Retained Earnings | $565.0M | $665.4M | $685.8M | $654.4M | $672.3M |
Cash Flow (Annual)
Last updated: Jun 21, 2026 10:57am (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$53.8M | -$114.3M | -$138.0M | -$73.9M | -$48.8M |
| Capital Expenditure | -$9.0M | -$20.9M | -$22.2M | -$6.1M | -$3.8M |
| Free Cash Flow | -$62.8M | -$135.2M | -$160.2M | -$80.0M | -$52.6M |
| Acquisitions (net) | $694,000 | $20,000 | $84,000 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$10.6M | -$34.7M | -$5.2M | $-365,000 | $-434,000 |
| Net Change in Cash | -$56.7M | $39.7M | -$17.1M | $26.4M | $30.1M |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 7:42am (20m ago)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$1.3B $1.3B – $1.4B
|
$1.3B $1.3B – $1.3B
|
$1.4B $1.4B – $1.4B
|
$1.4B $1.4B – $1.5B
|
| EBITDA |
$110.6M $108.2M – $113.0M
|
$109.9M $107.6M – $112.3M
|
$116.5M $114.0M – $119.1M
|
$120.3M $117.6M – $122.9M
|
| Net Income |
$13.1M $7.1M – $20.4M
|
-$102.3M -$105.2M – -$99.4M
|
$1.8M $1.7M – $1.8M
|
$19.7M $19.1M – $20.2M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 10:57am (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +32.0% | +15.9% | -0.8% | -0.2% |
| Gross Profit Growth | +24.9% | +9.3% | +4.8% | +5.8% |
| Operating Income Growth | -6.9% | -51.0% | -60.2% | +265.5% |
| Net Income Growth | -9.4% | -78.5% | -253.6% | +157.0% |
| EBITDA Growth | -5.7% | -49.3% | -54.0% | +215.0% |
Insider Trading (Recent)
Last updated: Jun 27, 2026 7:42am (20m ago)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-22 | Paul Adam | 0.00 | $0.00 | $0 | |
| 2026-06-05 | Collins Jonathan M. | F-InKind | 506.00 | $7.73 | $3,911 |
| 2026-01-16 | Judy Vickie D. | A-Award | 1,241.00 | $0.00 | $0 |
| 2026-06-03 | Judy Vickie D. | A-Award | 6,007.00 | $7.37 | $44,272 |
| 2026-06-03 | Fischer Jamie | A-Award | 18,628.00 | $7.37 | $137,288 |
| 2026-06-03 | Collins Jonathan M. | A-Award | 16,687.00 | $7.37 | $122,983 |
| 2026-06-03 | Campbell Douglas W. Jr. | A-Award | 60,307.00 | $7.37 | $444,463 |
| 2026-05-22 | Judy Vickie D. | F-InKind | 1,067.00 | $11.88 | $12,676 |
| 2026-05-01 | Williams Jeffrey A | A-Award | 11,801.00 | $0.00 | $0 |
| 2026-05-01 | WELCH JOSHUA G | A-Award | 11,801.00 | $0.00 | $0 |
| 2026-05-01 | MORRIS DAWN C | A-Award | 11,801.00 | $0.00 | $0 |
| 2026-05-01 | Joplin Brandi N. | A-Award | 11,801.00 | $0.00 | $0 |
| 2026-05-01 | Englander Daniel J | A-Award | 16,915.00 | $0.00 | $0 |
| 2026-05-01 | Davis Julia K. | A-Award | 11,801.00 | $0.00 | $0 |
| 2026-05-01 | Buba Jonathan Z | A-Award | 11,801.00 | $0.00 | $0 |
| 2026-05-01 | Bordelon Ann G. | A-Award | 40,805.00 | $12.71 | $518,632 |
| 2026-04-27 | Peterson Adam K | S-Sale | 8,000.00 | $12.59 | $100,720 |
| 2026-04-20 | Peterson Adam K | J-Other | 132,815.00 | $0.00 | $0 |
| 2025-09-25 | Joplin Brandi N. | A-Award | 2,919.00 | $0.00 | $0 |
| 2025-12-11 | Collins Jonathan M. | P-Purchase | 197.00 | $25.27 | $4,978 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for CRMT — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30